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JIM

JIM

"We bought our first home ($370k) this year. We’re now on track to pay it off in 11 years with a single income and 3 kids"

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RANIL

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JO

JO

"We paid our $450k mortgage off in 7 years and 1 month. We put our highest salary on the mortgage and lived off our smallest salary. Bye bye mortgage!"

LATEST MTM POSTS

Check out the latest news with our most recent posts below!

Mortgage Advice That Should Be Obvious

While I've covered a number of in depth, more specific topics on this website over the years sometimes it's good to get back to basics. This can be good for new and old readers alike. Hopefully these are all pretty damn obvious to you but if not, really sit back and think about them as it could be a very big wall stopping you from attaining your goals and getting ahead in life.

How Climate Change Is Already Affecting Your Mortgage

Here in Australia, specific agencies such as the Bureau of Meteorology and CSIRO are tracking a big jump in the number of natural disasters throughout the land. This in turn raises a number of interesting flow on effects that have - and will continue to - affect all mortgage holders.

Check Your Clock, Check Your Interest Rate

While Mutilating The Mortgage is mostly focused on throwing huge chunks of your income at the mortgage consistently and automatically, today we're going to walk you through a very simple and quick thing you can do to hopefully give your ongoing efforts a nice boost: checking your mortgage interest rate is as good as it can be.

Mutilating Your Biggest Expense: The Car

Driving a car is dangerous and costs you a ton of money. So today we're going to look into some of the best ways Australians can seriously reduce their car expenses in order to then put more towards their mortgage repayments.

Top 5 Types Of Awesomeness Inflation

Many years ago I coined a fantastic term called Awesomeness Inflation. If you've never heard of it it's a great mentality to have throughout life to help your life, your bank account and of course, your mortgage.

Don’t Fall Into The Lower Price Trap

The recent housing slump has been the longest and deepest property downturn in modern history which is great! Just make sure you're careful to avoid two very common traps if you're looking to buy.

Beware Of Life, It Doesn’t Throw Soft Punches!

There are millions of couples out there currently working and coming home to their fantastic house every day here in Australia. While they may not be living in 50 bedroom mansions on their own private island, for many simply having a safe and secure home is a dream come true. Is yours in trouble though?

How Mortgage Insurance Works

Mortgage Insurance goes by many names around the world, from Private Mortgage Insurance (PMI), Lenders Mortgage Insurance (LMI) to Mortgage Indemnity Guarantee (MIG) it is an insurance policy that protects the lender of the money (ie. not you!) in the event you default on the loan or stop paying.

Where To Start When Paying Off A Mortgage

When you're starting out on a new path it always helps to have a simple and solid step-by-step plan to follow. So if you've just made the plunge, find out the best things you can do to get moving in the right direction!

A Deep Dive Into How Mortgage Brokers Work

Mortgage Brokers are very common here in Australia and throughout the world. They help people that are looking for a loan to find the best one for their personal situation. At least that's what they should be doing anyway. Unfortunately life isn't always roses and fairy tales, especially where huge sums of money are involved so today we're going to dig deep into the world of Mortgage Brokers.

Top Reasons To Pay Off A Mortgage Early

Many people already know that paying off a mortgage early saves heaps of money. However there are many other very good reasons you may not be aware of. Today I want to go through a few of the most important ones to hopefully get you more motivated so you can pay down that debt as quickly as possible.

New Years Resolutions Are Garbage

Welcome to the New Year everyone! So do people still do that thing with the new years resolutions anymore? Or is it just something all the news outlets crap on about because they think it's still a thing? I want to get rich! I want to exercise more! I want to blah blah blah... rubbish.

How To Pay Off A Mortgage In Half The Time

A very common issue many have with paying off their mortgage is a big mental barrier that blocks their way. This is highly damaging as it stops you from killing that mortgage and getting ahead in life! So today we take a quick look at it and define a super simple, two step process to get around it and kill that mortgage.

5 Colossal Mistakes Easily Avoided When Getting A Mortgage

After looking into some of the mortgage mistakes first home buyers make when buying their first home last week I thought I'd dig even further. So this week we're going through some of the biggest, most colossal mortgage mistakes to avoid for all people when getting a mortgage.

The Best Way To Compare Home Loan Interest Rates

On MTM we’re all keenly aware that paying off your mortgage fast is a huge life win… but many people out there just go with the "default big bank mortgage rate" and throw away thousands over the years as they pay more interest than they should. So today we're going to show you what to look out for when shopping and how to compare mortgage interest rates properly once and for all.

The Ultimate First Home Owners Grant Guide

The First Home Owners Grant (FHOG) is a super tempting bonus giving you upwards of $30,000+ towards your home that all Australian states provide. Check out our ultimate guide on learning about and applying for it.