A HOME FOR LIVING. A PLAN FOR YOU.
Make more
room for life.
Less mortgage on your mind.
More of what matters to you.
Understand your home loan, explore your options and find a next step that fits the life you want to live.
01 Start with what matters.
02 Make sense of your options.
03 Take a considered next step.
A CLEARER STARTING POINT
What matters
most to you?
Every home loan sits inside a bigger story.
Choose the part you’d like to explore.
01Paying it off sooner−
See how your repayments, loan features and everyday habits could affect the interest you pay and the time it takes.
02Rethinking my home loan+
Take a fresh look at your rate, fees and features. Know what to compare before deciding whether a change makes sense.
03Feeling more in control+
Bring your cash flow and priorities into focus. A useful plan leaves room for daily life and the things you didn’t see coming.
Your starting point becomes a private summary you can download. Nothing is sent from this website.
More of the everyday good.
THE MORTGAGE REDUCTION MINDSET
A smaller mortgage.
A bigger perspective.
A rate is one part of the picture.
Your life is the rest of it.
The way your loan is set up, the way money moves through your home and the goals you’re working towards all belong in the same conversation.
Your priorities, your commitments and what you want life to look like.
Understand repayments, loan features, costs and the trade-offs involved.
A decision you understand, with room to adjust as life changes.
Keep the bigger
picture in view.
A LITTLE EXTRA CAN CHANGE THE PICTURE
Curious what’s possible?
Try a simple illustration of how an extra monthly repayment could affect your loan term and interest.
GOOD QUESTIONS. CLEARER DECISIONS.
A little less
guesswork.
Can I pay my mortgage off sooner?+
Paying more towards your principal can shorten your loan term and reduce interest, if your loan allows it. Your balance, rate, repayment amount, fees and product restrictions all affect the result.
Does this always mean refinancing?+
No. Start by understanding your existing loan and repayment habits. Refinancing is one option, with switching costs, features and the remaining loan term all worth considering.
What about an offset account?+
A full offset account reduces the loan balance used to calculate interest by the eligible account balance. Availability, fees and conditions depend on your lender and product.
What should I have ready?+
Your approximate loan balance, interest rate, remaining term and monthly repayment are useful starting points. You don’t need account numbers or bank statements for this website’s private planner.
What happens when I prepare a summary?+
You’ll put your goals into a short summary and download it to your device. Nothing is sent to CutMyMortgage. Share it through a contact channel you have verified with the business.
THERE’S A LIFE BEYOND THE LOAN.
Your next chapter.
A clearer beginning.
Start with the things you want more room for.
Put them into a private summary.