Take back control of your mortgage and
Own It Sooner
See how small changes to your repayments, interest rate, or offset account can save you tens of thousands over time. Stop guessing. Model your mortgage in real time and see the long-term impact of your decisions, before the bank profits from them.
Take back control of your mortgage.
Your mortgage isn’t a monthly repayment, it’s a thirty-year financial engine shaped by rates, repayment strategy, and a hundred small money decisions most borrowers never see.
When the numbers are in front of you, smarter decisions become obvious. Small adjustments compound into tens — sometimes hundreds — of thousands saved. That’s not a gimmick. That’s just interest math, run honestly.
Six tools. One mortgage.
Everything you need.
Loan Schedule
Full amortisation, month by month, with the interest/principal split made plain.
Extra Repayments
Model recurring and one-off extra payments to see how much time and interest you can save.
Rate Scenarios
Plan for interest rate changes and see their impact on your repayments and total interest.
Offset Account
Track your offset account balance and see how it reduces your interest payments over time.
Tenants in Common
Track contributions from multiple owners and see your share of the mortgage.
Save & Compare
Create an account to save different mortgage scenarios and compare options side by side.
Four plays the bank won’t suggest.
Hold your repayment when rates fall
Banks drop your repayment when rates fall. You don’t have to accept that.
See the worked example →Every dollar in offset equates to less interest
The most underused feature in Australian mortgages.
See the worked example →Redirect one bonus a year to pay off your loan
A single annual lump sum compounds against the loan harder than you’d think.
See the worked example →An extra $100/week for the life of the loan
Small, steady, disciplined. The bank’s least favourite combination.
See the worked example →See how other people have run the numbers.
“The interest-saved chart was the wake-up call. We doubled our extra repayment the same week.”
“Realised my offset was sitting idle. Moved $34k across and this showed $41k in avoided interest.”
“My broker wouldn’t run these numbers. This did it in thirty seconds and settled our argument.”
Run your numbers. Own It Sooner.
- → Your full 30-year amortisation chart
- → Interest saved from any extra repayment
- → How rate changes reshape your loan
- → What an offset account is really worth
- → Scenario comparison, side by side
All calculations are estimates only and should not be considered financial advice. Actual loan terms may vary. Please consult a qualified financial advisor before making decisions. See our Terms and Conditions for more information.