“I’m sick of being in debt”
Hi, I’m Alex.
Years ago, we had a mortgage of over $400,000. We were in huge debt. It felt good to "own" a house, but really it was like a ball and chain. We didn't know what we were doing and when we looked around, no one else seemed to know either. Everyone just kept paying money to the banks for decades. It was really depressing.
Everyone seemed to just block it out of their mind. Stick their heads in the sand. Ignore it.
It was a very negative thing and even just talking about it would make most people feel bad. All that hard earned money being wasted on interest. With nothing they could do about it.
I never wanted to waste our money and more importantly, our life. The last thing I wanted was to:
But I bet you've been there. All home "owners" have.
Worst of all there's no one to talk to this about! No one likes talking about their finances, it's more taboo than sex! And forget it if you want to talk about paying it off quicker.
We're never taught in school how to pay down debt quickly or what the best proven ways are to make it easier and automatic. We're never told about how to structure out lives so that the default setting is for it to help us get out of debt.
The only hope is maybe Google?
Even there you're just flooded with a sea of 89 million "top 10 lists" or "hacks" that never do anything. And ads of course.
All they do is constantly suggest you "change your repayments from monthly to fortnightly" or "refinance your mortgage to a lower interest rate". Ugh. USELESS!
HOW do you really pay it off quickly? How do you take a 30 year prison sentence and cut it down to 10 years or 7 years or even 5 years!? How? What are the exact details? What do you say? How do you structure your finances? What happens if you can't find any more money to put towards it? What do you do?
You can keep reading all the throw away articles but at the end of the day your mortgage is still huge. You still can't go on that awesome holiday because you've got mortgage repayments to make. You still have to delay having children because you can't afford it.
But it doesn't have to be like this.
After years of reading these articles and testing out all the different advice I built my own system. I then refined that system over many years, building on it and pushing further the things that worked. After a while things started to really take off.
I realised that if we kept doing more of what we were doing it'd mean paying off our mortgage fast. Real fast. Almost unbelievably fast. Six years fast in fact. This is what the experts never tell you.
You can pay off your mortgage early. So early that you can be mortgage free before you even have kids, before you hit 30 and you can do it without cutting back on the things you love too.
Is it weird to do a course on mortgages?
When we first moved into our home neither of us had any clue what we were doing. Sure, the bills got paid and we didn't have $50,000 of credit card debt but we did have $400,000 of mortgage debt.
As the first few months went by and we started to pay off our mortgage it didn't seem to really do anything. Seriously, we'd pay the bank thousands of dollars week after week and our loan amount wouldn't even flinch. I kept waiting for it to do something but quickly realised doing nothing did, well... nothing!
Asking around and reading up everyone assured me that this is just "how it was". You sit there and pay off your loan for decades and decades. Maybe we'd be free of it by the time we were 60?
Not on my watch.
I got to work Googling, searching, reading. Anything I could get my hands on I read and took notes. Everyone else thought it was all incredibly boring, the finance, the interest rates, the mortgage repayment tools. I couldn't stop though because it became clear that we were doing it all wrong. Everyone was doing it all wrong.
Imagine upping your repayments slightly (a couple hundred dollars) and seeing that loan term go from 30 years to 20.
Imagine a few months later you increase your repayments again and now your loan terms is at 15 years!
Think how amazing it'd be to know exactly what to do. Know exactly what to throw all your attention and effort at and what to just ignore. You'd be able to crush your mortgage more and more and get a huge advantage over everyone else.
Eventually you'd get it down to under 10 years, maybe even 6 or 7 years. An amazing achievement that likely no one else you know has ever done. You'd save hundreds of thousands of dollars and decades of being in mortgage prison.
Now imagine what it'd be like being free of your mortgage completely. That's the feeling Jim got thanks to this material.
"A quick note of thanks for the incredible spreadsheet"I found it just over three years ago, and after plugging the numbers in saw that we could repay our mortgage drastically quicker than previously imagined.
About half an hour ago, we just made the final payment.
Pressing 'send' on the email to the bank requesting clear title was the sweetest thing I've ever done online!
Again, thanks. It's a great service tailored to all borrowers.
Crazy barriers that hold people back
It took us just six years to completely pay off our $400,000 mortgage. One of the main things I learnt over all that time is that while anyone can get these results, most hold themselves back with serious mental barriers like...
This won't work for us because we have kids…
We all think that our life is 100% unique and that no one else has ever been in the same situation before. The truth is that most people have the same problems. We all might have different lives but we're not that different.
These problems have already been solved too, so why not learn from other people and jump ahead of everyone else? There are already many students that have applied this material and got fantastic results with children! You can too!
Your income is way above what I make so this whole thing is crap!
People automatically jump to the conclusion that getting out of debt early is only for the 1%. The truth is that if you don't have a high income, it's likely your mortgage isn't nearly as big. This means you can get out of debt quickly too.
Having a smaller income is fine and actually makes paying off your mortgage early even more important. Given you already have limited funds don't you want to make the best use of them? Learn how to manage your finances and finally start to get ahead in life so you can relax and enjoy it instead of constantly worrying about your repayments.
I like to actually have fun and not scrimp and save just so I can pay off the house a few years early
Too many instantly associate paying off debt with sacrifice, cutting back and deprivation. The truth is you don't have to give up the things you love just to get ahead in life. You can spend the same amount or more on travel, coffee, TV or anything else you can't live without and at the same time kill that mortgage.
Learn how to get the best of both worlds with detailed insights and techniques in this course. During the 6 years we paid off our mortgage we had a ball going on 10 different holidays. This included awesome locations like Antarctica, Paris, Las Vegas, a private island in Fiji and more.
Don't stay trapped in mortgage prison just because you believe you're different. Learn how to conquer your debt and live the life you've always wanted at the same time!
GO FROM NO IDEA TO MORTGAGE FREE IN UNDER 10 YEARS
Paying a $400,000 mortgage off in 10 years instead of 30 will save you $400,877 in interest. If you'd rather keep that money for yourself instead of giving it to the banks, this course is for you!
How To Pay Off A Mortgage Early is brought to you by Alex, an Australian finance writer that has been helping people crush their mortgages for over 5 years.
Students from hundreds of countries all over the world!
This material is proven, with simple steps and serious results. Already it's helped thousands of people from over 175 countries pay off their mortgages in a fraction of the time it normally takes. This course will help you save HUNDREDS of thousands of dollars with only a very small amount of effort. Best of all, this Big Win will set you up for the rest of your life.
How To Pay Off A Mortgage Early is NOT...
There's a lot of "experts" out there that will promise you the world and deliver nothing. So, let me be perfectly clear, honest and upfront with you and outline what this course is NOT:
How To Pay Off A Mortgage Early IS....
So now that you know what this course isn't, let's go through what it IS. What you will get by working through the following course content is:
"BEST DECISION EVER!"Martin had a huge mortgage and was determined to get rid of it!
"Started our mortgage at $375k in November 2010. Currently we have $67k remaining and it's May 2016 (6 years!)."
"It's tough going, but by far the BEST DECISION EVER!"
What You Will Get
And And of course, a mortgage that gets paid off FAST!
What You Will Learn
How To Pay Off A Mortgage Early also includes….
Even more extra resources to accompany the video lessons. The exact steps you'll need to do what's outlined in the course. A custom spreadsheet to get you on track and fully up to speed in minutes. A 60+ page eBook of the full course content so you can read along while you watch the course videos.
Hours of in depth, personal videos outlining how the strategy works and what you need to do each step of the way. You'll get access to dozens and dozens of these amazing lessons that will change your current and future financial abilities.
See the results others have already got
"Bye bye mortgage!"We paid our $450,000 mortgage off in 7 years and 1 month. We put our highest salary on the mortgage and lived off our smallest salary. Bye bye mortgage! - HUY
"A single income AND 3 kids"We bought our first home for $370k this year in April. We’re now on track to pay it off in 11 years with a single income and 3 kids. It's so much more inspiring than a dismal 30 years! - APRIL
An AMAZING Guarantee.
Try How To Pay Off A Mortgage Early for 30 days with no risk!
I'm so confident that you'll love this material that I'm giving you a 30 day money back guarantee.
Try the course. If you don't love the fantastic videos, course strategy, supporting documentation and bonus material, and feel they don't help you pay off your mortgage earlier, you'll get your money back.
You'll even get to keep the course material. It doesn't get better than that. What have you got to lose?
Even though this course already includes hours and hours of material I've added in more. Two extra complimentary videos that take you through the course material in even more detailed steps. This includes a step-by-step look at precisely how to use and customise the main tracking spreadsheet.
On top of this you also get a look at how you can tailor the given examples exactly to your situation. Get access to 48 different use cases covering all possible combinations. Single incomes, dual incomes, high incomes, low incomes, high mortgages, no kids, 2 kids and all the permutations in between.
These extra videos take you through the process of customising the course to whatever situation you're in. Then there's also an extra 5 reference links to dig even further into how to specifically handle every expense from your car to birthday presents. No stone has been left unturned.
"Give this spreadsheet to everyone!"Fantastic. This spreadsheet should be given to each person who walks into a bank. Then told to go and read it before they ask for a loan.
By doing that they know what they are getting themselves into.
How much money will you save?
I'll tell you a quick secret. The amount of interest you pay on a 30 year mortgage is about equal to the loan itself.
For example, on a 30 year $400,000 mortgage you'll pay over $400,000 in interest. For a $200,000 mortgage it's over $200,000 in interest.
By taking the How To Pay Off A Mortgage Early course you'll learn how to reduce that interest to one quarter. This would save you over $280,000 for the $400,000 loan or $140,000 for the $200,000 loan! All for the small price this course costs.
You could just do nothing and keep handing over your hard earned money to the bank year after year. Or you could do something about it right now.
Step up and take back control of your finances. Learn how it all works and beat the banks at their own game. Save hundreds of thousands of dollars, get a huge Big Win, set you and your family up for years to come and get a huge edge over everyone else out there.