Most Aussies Take 30 Years to Pay Off a Mortgage. You Don’t Have To.
When most Australians take out a home loan, they accept one thing without question: it’ll take 30 years to pay off.
But what if that wasn’t your only option?
At The Loan Room, we’ve helped countless clients fast-track their journey to financial freedom with a smarter, more intentional strategy — one that could shave years (even decades) off your loan term and save you tens (or even hundreds) of thousands in interest.
We call it the Fast Track Strategy, and it’s changing the game for homeowners.
So, how does it work?
Most people follow this process:
- Get paid into their offset account
- Pay their mortgage
- Spend what’s left
But this traditional approach often leaves room for overspending — especially when there's easy access to savings in an offset account.
The Fast Track Strategy flips that on its head.
Here’s how:
- Your income goes directly into your mortgage — not your offset or everyday account.
- We calculate what you need weekly to cover essentials: groceries, fuel, fun, family outings, holidays, etc.
Let’s say that’s around $1,000 per week. - Each Monday, that fixed amount is transferred to your spending account.
- Your bills (most being monthly or quarterly) are set up to be paid directly from the mortgage.
Why does this matter? Because by keeping the bulk of your income in the loan itself, you're reducing the balance on which interest is calculated daily. That’s where the magic happens.
Why not just use an offset account?
Offset accounts are helpful — but also tempting.
Many people end up spending more than planned simply because that money is visible and easy to access. Think of it as a safety net that also becomes a spending trap.
By reversing the flow and removing the offset, you’re creating structure, discipline, and momentum. You’re protecting your progress.
It’s not just about the rate
Sure, interest rates matter. But while your mate at the weekend BBQ is bragging about locking in a 5.85%, you're over here quietly eliminating years of repayments.
The truth is: a slightly higher rate in the right structure can still save you hundreds of thousands over time.
It’s not about chasing the lowest rate - it’s about choosing the smartest path forward.
Use the Fast Track Calculator and see for yourself
We’ve taken this strategy and turned it into a free online tool — the Fast Track Calculator — so you can see just how much faster you could become mortgage-free.
✅ Slash years off your loan
✅ Save thousands in interest
✅ Get debt-free without sacrificing your lifestyle
👉 Try the Fast Track Calculator now
Ready to take control of your financial future?
Whether you're a first home buyer, a young family juggling bills, or an investor ready to eliminate debt faster — this strategy could completely shift your outlook on home ownership.
We’ll guide you through the setup, tailor the numbers to your lifestyle, and support you every step of the way.
Your future self will thank you.
Have a question or would like to schedule a free strategy session with our friendly team of finance experts? Reach out to us on our Contact page.