Brixel Property Partners

The 8–10 year home loan playbook · Free homeowner report

Paid on time. Barely moved.

Where your mortgage repayments really go, the three mistakes adding years to most home loans, and how homeowners are aiming to be done in 8 to 10 years, not 25 or 30.

Cover of the report, Paid on time. Barely moved.

14 pages, free PDFAbout a six-minute read. Written by James Iodice, Brixel Property Partners.

Cover of the report, Paid on time. Barely moved.
  • How much of a repayment actually comes off the loan
  • The refinance move that adds years back on
  • The three moves people use to shorten a loan, on one page
  • What it can't promise, in plain English
James Iodice James IodiceFounder, Brixel Property Partners

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Your details are only used to send you the report and contact you about it. No cost. General information, not personal financial advice.

The example in the report

Ten years of repayments. $78,811 off the loan.

Borrow $500,000 at 6.25% over 30 years and never miss a payment. After ten years you've paid $369,430. Most of it went on interest.

Over the full 30 years, the interest comes to more than the loan itself. Most people guess low. The exact figure is on page 3.

The report shows why that happens, and the three things that change it.

After ten years of statements

Illustration
Repayments made
$369,430
Interest charged
$290,619
Came off your loan
$78,811
Still owing
$421,189

Illustration only, not a forecast. $500,000 principal and interest over 30 years at 6.25% p.a., minimum repayments of $3,078.59 a month, no fees or rate changes. Your figures will be different.

A look inside

What you'll be reading.

Real pages from the report, so you know exactly what you're getting before you ask for it.

  • Page 2 of the report: have a guess, how much interest do you pay?
    Have a guessPage 2
  • Page 4: where each year of repayments goes, bar chart
    Where each year of repayments goesPage 4
  • Page 8: mistake two, resetting the clock on a refinance
    Mistake two: resetting the clockPage 8
  • Page 11: one account, everything runs through it
    One account. Everything runs through it.Page 11
James Iodice, founder of Brixel Property Partners

Who wrote it

James Iodice

Founder, Brixel Property Partners

James has spent 11 years in Australian property. He wrote this report for homeowners who are doing everything right on the mortgage and still find it's barely moving.

Brixel Group Pty Ltd trading as Brixel Property Partners
ABN 52 701 562 432 · Check it on the ABN register

The part most guides skip

What this can't promise.

It doesn't stack up for everyone.

Whether it would work for you depends on your numbers. Nobody can tell you that from a PDF.

8 to 10 years is the aim.

It isn't a guarantee. Some people get there, some take longer, and some are better off with the first two moves only.

Property is more debt before it's less.

Rent can stop, rates move and values fall as well as rise. Nobody can tell you what a property will be worth.

Questions

Before you hand over your details.

Is it actually free?

Yes. There's no card and nothing to buy. The PDF opens on this page as soon as you send your details.

Will someone call me?

Someone from our team may call for 5 to 10 minutes to ask where your mortgage is at. If you'd rather not talk, say so and that's the end of it.

Is this financial advice?

No. It's general information and it doesn't look at your situation. Which account or loan suits you is a question for a licensed broker, and tax is a question for your accountant.

What happens to my details?

We use them to send you the report and contact you about it. Every marketing email has an unsubscribe link, and you can ask us to delete your details at any time. The full detail is in our Privacy Policy.

Who are Brixel Property Partners?

A licensed real estate agency based on the Gold Coast, run by Brixel Group Pty Ltd (ABN 52 701 562 432). We're licensed in Queensland (4034472) and Victoria (094889L) and registered with AUSTRAC.

See where your repayments go.

Free 14-page report. About a six-minute read.

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