Understand the real surplus
We review relevant mortgage, transaction, savings and credit-card statements to identify stable cash flow and credit reliance.
Personalised financial advice | NZ$399
Stop guessing. Build a 90-day plan to pay your mortgage off faster.
Most homeowners know they should pay extra. The real questions are how much is sustainable, what to do first, and whether offset or revolving credit suits the way they manage money.
Statements reviewedPersonalised repayment range90-day test
Why this is different
Not another calculator. Not budgeting every cup of coffee.
This is a focused financial advice engagement to determine a mortgage repayment and structure that fits your real cash-flow behaviour.
Choose the right accelerator
We assess extra repayments, offset, revolving credit, a fixed/flexible split, or whether waiting is better.
Prove it for 90 days
Test the recommended amount before a permanent lending change. If it does not work, identify why and reset.
Your deliverables
A number, a structure and an action plan.
Move from "I should pay more" to a system you can confidently implement.
- Financial Position ReviewMortgage, cash, consumer debt and key household commitments.
- Three repayment levelsSafe, recommended and stretch targets.
- Repayment modellingCurrent, recommended and stretch illustrations.
- Structure suitabilityOffset, revolving credit, extra repayments or another approach.
- One-page 90-day roadmapActions, guardrails, review dates and the next lending trigger.
- Plan meeting and reviewPresentation of the plan and a 90-day progress review.
Is this for you?
Designed for homeowners ready to act.
- You want to clear your home loan years sooner
- You need a personal answer about offset or revolving credit
- You want to know how much extra is genuinely sustainable
- You will provide statements and test the plan for 90 days
This is not:
A promise to save a fixed number of years, comprehensive budgeting coaching, or an automatic recommendation to refinance.
90-Day Pay Off Faster Plan
NZ$399
Apply first. Yan confirms that the service is appropriate before requesting payment or sensitive documents.
All modelling is illustrative. Rates, fees, lender rules and behaviour affect actual outcomes.