The Mortgage

Coach

I used to do home visits.

New clients would open a drawer and hand me

unopened mortgage statements.

Sometimes dozens.

Why unopened?

Because they already knew the number inside would hurt.

Ask someone what age they’ll be when their mortgage ends

and watch what happens.

There’s normally a pause…

Then

“I’ve got no idea, actually.”

or

“Probably my 60s, maybe into my 70s?”

The repayments go out each month, the direct debit does its job.

So the assumption becomes

I’m all good, mate.

As featured in

As a mortgage coach, here’s the hard truth no one else is going to say to your face.

Paying your mortgage

& knowing whether it’s actually moving

are two very different things.

If you want the latter, you’ve gotta

know your numbers.

We did some modelling for the Australian Financial Review

Take this scenario: a couple, aged 38 buy their first home with a new $800,000 mortgage. They do everything they think is right: work hard, pay the mortgage on-time.

Illustrative modelling only: $800,000 loan, age 38, 30-year term, 6.19% average variable rate (RBA, 2026), standard amortisation, no extra repayments assumed. Outcomes vary by individual circumstances.

I’m gunna ask you 3 questions.

Right here, right now.

1. What's your current loan balance?

Approx is fine.

2. What year do you want to retire?

3. Do those numbers line up?

Are you happy with that answer?

You can keep guessing.

Or you can start asking better questions.

We’re not accountants. We’re not financial planners.

and we don’t pretend to be.

We think it’s time mortgage broking worked differently.

An era where you understand your mortgage.

An era where you have a mortgage coach.

An era where someone with mortgage expertise keeps you on your toes.

An era where opening those mortgage statements doesn’t feel like the end of the world.

They said it better than we could

I have no words to describe how amazing John and Bella have been to me. If I could give 100 stars I would! I am possibly every loan brokers worst nightmare... as I ask too many questions, only just have enough to scrape in the loan, and need lots of help... But John and Bella's help has been unwavering during this very stressful time. Johns dedication to helping me get across the line is unparalleled to any other broker. My loan and circumstances were complicated, and anything but straightforward. But the entire way John and Bella thankfully have been holding my hand and I couldn't be more grateful. So although I havent yet found a suitable home, but my loan is pre-approved! So Johns and Bella's jobs are done in theory. I just pray now to find my forever home to finalise it... I will update when I do! So just hire "The Mortgage Coach" (John and Bella)! You will be in the best hands! 🙂

Great operator, John was the missing link I needed to work towards financial freedom.

John was extremely thorough during our initial conversation. He explained clearly what the different lending schemes entailed for a first home buyer like myself, so that I could make a more informed decision of how to proceed with my mortgage plans.

John was also upfront about any limitations I may encounter, which allowed me to trust his advice as they were geared towards helping me rather than for his personal gain.

Amazing Experience for a First Time Home Buyer

Talking with John was my first step along the journey of buying my first home so I was feeling obviously excited and nervous beforehand. John has a down-to-earth approach and talked me through the steps in easy to understand language. It was really useful to talk with John and understand next steps and also help to allay some of my concerns. He made the process easier to understand and gave me confidence to start the journey- I’m so grateful! John and Bella are offering an amazing service here and I can’t thank you enough!

Great experience learnt a lot about mortgage structures, really helpful information. Appreciated the help greatly.

Prompt and excellent service every time. Highly recommend.