It’s 2025 — and the mortgage landscape has changed.
Interest rates have shifted, cost-of-living pressure is growing, and Aussie households are feeling the pinch.

If you’re paying off your home, here are 3 things you absolutely need to know this year:

1. You could be overpaying without realising it.
   Many lenders don’t automatically drop your rate — you have to ask. A refinance or restructure could save you thousands.
2. Your home equity is likely increasing — but are you using it?
   Equity isn’t just “wealth on paper.” It can be used to invest, eliminate debt, and fast-track retirement.
3. The first 10 years of your mortgage are the most interest-heavy.
   If you’re making minimum repayments, you’re likely paying off the bank more than the house. A strategy can flip that in your favour.

💡 Don’t let your biggest asset become your biggest trap.

👉 Request a call with our team to explore how to make your mortgage work for you — not just the bank.