My Home My Money

The average Australian homeowner holds $380,000 in untapped equity

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Your home is your most powerful financial engine

Most Australians sit on a fortune in home equity and never put it to work. We show you how to unlock it, grow it with high-yield returns, and funnel every dollar straight back into paying off your mortgage.

The Hidden Fortune in Your Suburb

For the average Australian homeowner, wealth isn’t sitting in a bank account—it’s locked in the bricks and mortar of their property. As property values have surged, so has your net worth. But right now, that wealth is idle. It’s just numbers on a bank valuation statement.

Meanwhile, your mortgage is quietly draining your monthly cash flow with compounding interest.

The Broken Traditional Model

We’re taught to buy a home, pay the minimum monthly repayments, and wait 30 years to own it outright finally. But standard mortgages are designed to keep you in debt for as long as possible. Leaving your equity untouched while scraping together extra cash to make additional payments is a slow, uphill battle.

There is a faster, smarter way to play the game.

Ready to see what your engine can do?

Chat with Craig 

 

You’ve worked hard to build equity in your home. Now it may be time to discover what that equity could do for you. Chat with Craig to explore strategies that may help improve cash flow, reduce debt, and create greater financial freedom.

Go ahead and say hello

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The Hard Numbers Behind Your Financial Freedom

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Target Net Annual Return

  • The Breakdown: This isn’t just a gross return. We focus on securing asset-backed, high-yield investments that target an 8% net annual return after factoring in your borrowing and interest costs.

  • The Impact: Every dollar generated is pure financial fuel, ready to be deployed directly against your debt rather than being swallowed up by bank fees or interest margins.

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Years Slipped Off Your Mortgage

  • The Breakdown: The average Australian takes 30 years to pay off a standard home loan. By creating a dedicated feedback loop where your investment income pays your mortgage, our clients slash an average of 12 or more years off their loan terms.

  • The Impact: Imagine what life looks like when you stop paying the bank a decade earlier than planned. That is a decade’s worth of principal and interest payments kept entirely in your pocket.

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Cost for Your Strategy Session

  • The Breakdown: Finding out if your home qualifies shouldn’t cost you a cent. Your initial Strategy Session is 100% complimentary and carries zero obligation.

  • The Impact: We map out your exact usable equity, look at your current mortgage structure, and show you the potential timeline reduction upfront. If the numbers don’t make sense for your situation, you walk away with a clear financial blueprint at no cost.

 

THE PROBLEM

Billions in home equity sitting completely idle

The average Australian homeowner holds $380,000 in untapped equity. That capital sits locked in bricks and mortar, earning nothing

Years Back in Your Life

 

The Breakdown

The average Australian home loan is structured over 30 years. But a mortgage term is simply the bank’s schedule not necessarily your financial future.

Through the My Home My Money strategy, capital is invested into income-producing opportunities designed to generate ongoing returns. Those returns can then be redirected towards reducing non-deductible home loan debt faster.

For example, a $200,000 investment generating an effective net return of approximately 8% per annum may produce around $16,000 in annual cash flow. Applied consistently to mortgage reduction, that additional income can significantly accelerate the repayment of a typical Australian home loan.

The result isn’t just a smaller mortgage balance it’s fewer years spent making repayments and less interest paid to the bank over the life of the loan.

The Impact

Imagine reaching mortgage freedom years ahead of schedule.

Instead of spending 30 years following the bank’s repayment timetable, your investment income helps bring forward the day your home is owned outright.

For many Australians, eliminating a mortgage even 8–12 years earlier could mean:

  • Hundreds of thousands of dollars less paid in interest
  • Greater financial flexibility
  • More disposable income
  • Earlier retirement options
  • More wealth retained for family and future generations

Because every dollar reducing your mortgage today can save multiple dollars in future interest costs.

*Results vary depending on loan size, interest rates, tax position and investment performance.

Financial planners focus on super and investments, not on your mortgage as a wealth tool.

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Free strategy session

Most people are taught how to earn money

Very few are taught how to structure it. My Home My Money exists to help bridge that gap.

Your Equity Loop

The gap between what your equity earns and what it costs to borrow it.

At the core of the strategy is a simple financial comparison: the difference between the return generated on invested capital and the cost of accessing that capital.

This difference is commonly referred to as the spread.

In a simplified example:

  • Investment return: 14% per annum (gross)
  • Less borrowing cost: 6% per annum interest
  • Net position before fees, tax, and volatility: ~8% per annum

This means the capital is potentially working harder than the cost of accessing it, creating a positive return differential when structured correctly.

In practical terms:

  • A $200,000 investment at a 14% gross return may generate $28,000 per year
  • After an estimated 6% borrowing cost ($12,000 per year), the remaining ~$16,000 per year represents the net spread before additional costs and tax considerations

This is the portion of performance that can be directed toward strategic goals such as mortgage reduction, wealth building, or reinvestment.

Important Context

This outcome is not guaranteed and will vary based on:

  • Market performance and volatility
  • Lending rates and facility structure
  • Fees, taxes, and investment timing
  • Individual financial circumstances

The “spread” is therefore a theoretical framework for understanding how capital can potentially work more efficiently, not a fixed or risk-free return.

Why It Matters

When structured effectively, the objective is not simply to borrow or invest — but to create a situation where:

The return on capital exceeds the cost of capital.

Even small positive spreads, when compounded over time, can have a meaningful impact on:

  • Mortgage reduction speed
  • Long-term interest savings
  • Net wealth creation
  • Cash flow flexibility

How it Works

Four steps One powerful loop

Unlock your equity

80% of your total property value, less all existing loans, reveals the capital sitting idle in your home right now..

Deploy for high returns

We place your equity with our exclusive investment partner generating 14% p.a. gross, paid quarterly.

Net returns to mortgage

After your 6% borrowing cost, the 8% net return flows directly into extra mortgage repayments every quarter.

The loop accelerates

As your mortgage shrinks, equity grows. More capital, more returns, faster paydown compounding year after year.

Discover your equity loop potential

See how your existing property equity put to work through high-yield returns can slash years off your mortgage.

Your equity loop

See exactly how many years you could
cut off your mortgage

Enter your numbers below — results update instantly.

Your property & debts
$
$
$
years
$
$
% p.a.
Equity breakdown
Total property value $850,000
80% lendable value $680,000
Less: residential mortgage −$450,000
Less: personal debt −$0
Available to invest $230,000
No available equity. Your current loans exceed 80% of your property value. Adjust your figures above to unlock the loop.
Gross quarterly return (14% p.a.) $8,050
Less interest cost on borrowed equity −$3,450
Net quarterly — applied on top of repayments $4,600
Investable equity
$230,000
Unlocked from your property
Net annual benefit
$18,400
Extra repayment per year
Years saved
—
Off your mortgage term
Interest saved
—
Total interest not paid

Your existing repayments continue unchanged. The net quarterly return is applied on top of your normal scheduled mortgage repayments — not instead of them. The years saved reflects the combined effect of both.

Mortgage timeline comparison
Without loop: 25 yrs With loop: — yrs
Book a free session to discuss your numbers →

This calculator is for illustrative purposes only and does not constitute financial advice. Figures assume a fixed interest rate of 6% p.a. on all borrowings and a 14% p.a. gross return from our investment partner, paid quarterly. Net returns are applied as additional mortgage repayments on top of the client’s existing scheduled monthly repayments, which continue unchanged throughout. Actual results will vary based on lender policies, market conditions, and individual circumstances. My Home My Money recommends speaking with a qualified advisor before making financial decisions.

Free strategy session

Income alone doesn't create wealth.

 Direction Does

Start the loop

Book your free
strategy session

No cost. No obligation. Just a clear picture of what your equity could be doing — and a plan to make it happen.

By submitting, you agree to our Privacy Policy. We will never sell your data or pass it to third parties without your consent. A consultant will contact you within one business day.

Most Australians sit on a fortune in home equity and never put it to work.

Contact Info

  • Lvl 2, 28 Riddell Parade, Elsternwick, Vic 3185
  • 1800 548 516
  • info@myhomemymoney.com.au

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Helping Australians unlock the hidden potential of their home equity through smarter strategies, clearer insights, and a fresh perspective on home ownership.

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Discover Your Equity Loop
Discover Your Equity Loop