Know the full cost.
Review the rate, fees, remaining term and repayment restrictions. Staying with your current loan may be a sensible option.
CLIC MONEY / YOUR MORTGAGE REDUCTION PLAN
Your home.
Paid off sooner.
Your way.
A personalised mortgage reduction plan. No Clic Money program fee. We look at your loan, income and money habits, then help you choose practical steps towards paying off your home sooner.
Start with a free 30-minute review. Your written plan follows a review of the relevant information; you do not need to refinance to receive it. If we arrange a loan, lender commissions may be paid to us and disclosed. Lender and third-party charges may apply. Outcomes depend on your circumstances, rates and actions.
Established 2007Clic Money’s business history
Finance experience since 2000Zoran Pusic’s industry career
Experienced leadershipZoran Pusic & Terina Tzouramanis
PUT YOUR MONEY TOWARDS MORTGAGE FREEDOM
Your money belongs
in your mortgage.
Some mortgage reduction programs charge thousands. We would rather help you put those dollars towards your own home-loan goals. Our included plan has no Clic Money program fee.
You receive a written action plan, clear explanations of relevant options and an agreed approach to checking progress. We consider what you can improve with your existing loan as well as alternatives where appropriate. Keep essential living costs and accessible emergency reserves protected.
Explore the different approaches ↓A LOWER RATE IS ONE LEVER. A PLAN PUTS IT TO WORK.
Make more of the
money you already earn.
We look at your rate and fees, your regular spending, your available surplus and the cash you need to keep accessible. The aim is a repayment approach you can actually maintain—not an impressive target that disappears after a month.
Give the surplus a job.
Set an affordable extra repayment or offset contribution after living costs, other commitments and a buffer.
Check what changed.
Compare the plan with actual balances and cash flow. Adjust when income, rates, family needs or priorities change.
CHOOSE THE STRUCTURE. UNDERSTAND THE TRADE-OFFS.
Extra repayments.
Offset.
Or a bit of both.
Your preference matters. We also consider affordability, access to cash, costs, loan terms and future property plans before recommending an approach.
At the same rate and with equivalent cash held for the same time, principal reduction and a full offset can have similar interest effects. Access, fees, tax treatment and behaviour can differ. Read our offset and redraw guide ↗
MORE THAN ONE WAY FORWARD
Different households.
Different combinations.
Offset and extra repayments are part of the picture. We also look at the price of your loan, income timing and the routines you can realistically maintain.
What about redraw and future property plans?
Redraw can provide access to eligible extra repayments under your lender’s rules; it is not the same as a separate transaction account. If you may rent out this home later, discuss that before changing account arrangements. The use of redrawn borrowing can affect tax treatment, so obtain advice for your circumstances.
Read the offset and redraw guide ↗What if other debts are holding me back?
Review expensive debts alongside your home loan. Consolidation is not automatically the answer: extending a debt over more years may increase its total cost, and securing it against your home adds risk. A plan should show the repayment timeframe and costs clearly.
Do I have to choose one fixed package?
No. We can combine an accessible buffer, suitable account features, sustainable extra repayments and a loan review. The allocation follows your circumstances; the calculator’s 50/50 example is an illustration, not a recommended split for everyone.
General information, not a personal recommendation. Moneysmart: ways to repay your mortgage faster ↗
YOUR CASH. THREE TRANSPARENT SCENARIOS.
See what your
extra effort could change.
Use the same savings and monthly surplus to compare principal-first, offset and a 50/50 combination. No special multiplier, assumed pay rise or gated result.
ILLUSTRATION / NOT A PERSONAL FORECAST
Green: selected strategy’s loan balance less offset. Grey: minimum repayments with no savings applied.
Read the assumptions and see yearly figures
Monthly principal-and-interest model with a constant rate. Scheduled repayment is calculated from the original balance and term, then retained after applying opening savings. Opening savings go to principal, offset or 50/50 according to the scenario; monthly surplus is allocated the same way at each month-end. Offset is assumed to be 100%, constant-rate and fee-free. Baseline uses no opening savings and no extra cash. Existing savings must not exceed the entered loan balance.
Interest savings are gross, before any rate differences, lender, refinancing, programme or advice fees. No new income or investment return is assumed. Actual lenders generally calculate interest daily. Access and early-repayment restrictions are not assessed. “Net debt covered” means offset savings could cover the remaining loan—it does not mean the loan is repaid or discharged. Offset cash is not automatically used to close it.
Figures stay in this browser calculation and are not submitted with your enquiry. Moneysmart: paying off your mortgage faster ↗
FROM AN IDEA TO A WORKABLE ROUTINE
A clear process.
A pace that fits your life.
Start with your free review, then a written plan based on the relevant information. There is no Clic Money program fee for the included plan. Agree the practical actions and how we will check progress together.
Understand.
Discuss your balance, repayment, spending commitments, savings buffer and what you want to change.
Compare.
Test extra repayments, offset and a combination against your current path. Include costs and a higher-rate scenario.
Put it in place.
Agree the lending steps and a realistic payment routine. A refinance is considered when justified by your circumstances.
Review.
Agree when to check the actions, actual balances and cash flow. Adjust as life changes. The included plan is not an unlimited coaching subscription or automated bank-monitoring service.
IS THIS THE RIGHT CONVERSATION FOR YOU?
A plan needs
room to work.
This is a useful starting point if you have a mortgage, can identify a sustainable surplus and want a clearer repayment routine. You can also start by understanding your current position before committing more money.
Keep the essentials protected.
Emergency savings, higher-cost debts and essential living costs need attention before an aggressive mortgage target. If repayments are already difficult, speak with your lender’s hardship team rather than paying for an acceleration programme.
Investing is a separate decision.
Debt recycling involves borrowing to invest and adds risk. It is not required to reduce your mortgage. Investment selection and tax treatment need appropriately qualified advice.
Explore the educational debt-recycling tool ↗EXPLORE YOUR NEXT QUESTION
Useful tools.
Clear assumptions.
Rent versus buy
Compare equity, rent, purchase costs and investing the cash-flow difference under assumptions you control.
Compare scenarios ↗Debt recycling explained
See the difference between reducing private debt and carrying investment debt. Educational mechanics, with risk and tax boundaries.
Explore the mechanics ↗STRAIGHT ANSWERS
Before we
talk numbers.
Can I pay my mortgage off in half the time?
It depends on your balance, interest rate, affordable extra cash and how consistently you maintain the plan. We model the figures rather than promise a standard timeframe. A shorter target can require substantially higher repayments.
Do I need to refinance?
Not necessarily. Extra repayments or better use of your current features may help. A refinance needs a comparison of costs, features, restrictions and your circumstances.
Is an offset better than extra repayments?
Neither is automatically better for everyone. At the same rate and equivalent cash, the interest effect can be similar. Access, fees, spending habits and potential future property use can change which approach is appropriate.
What does the plan cost, and how do you get paid?
There is no Clic Money program fee for the included mortgage reduction plan, and you do not need to refinance to receive it. If we arrange a loan, lender commissions may be paid to us and are disclosed. Lender and third-party charges may apply. We explain any costs before you decide. Unlimited coaching, automatic bank monitoring and specialist tax or investment advice are not included.
Will you control my money or pay my bills?
This website does not access your bank accounts, move your money or pay bills. The first step is a conversation. Only agree to services once you understand the provider, permissions, scope and costs.
Can I keep an emergency buffer?
Yes, the plan should consider accessible emergency savings. Exclude money you need outside the strategy from the calculator. Ask about the actual access rules for any redraw or offset.
What if this home becomes an investment property later?
Mention that before changing the structure or making large repayments and redraws. Interest deductibility can depend on how borrowed funds are used. Obtain tax advice about your circumstances.
Do I have to invest or recycle debt?
No. Mortgage reduction can be the sole goal. Debt recycling is a separate borrowing-to-invest strategy and is not appropriate for everyone.
START WITH CLARITY
Put your money towards
mortgage freedom.
Have your balance, rate, repayment and remaining term nearby. You do not need to upload documents for the first enquiry.