CutMyMortgage

A CLEARER STARTING POINT

More understanding. More room for life.

CutMyMortgage brings home-loan concepts, useful questions and the wider housing picture into one place. Start with what matters to you.

A light Australian weatherboard home surrounded by leafy planting
Lifestyle illustration.
Mortgage reductionRefinancingOffset accounts

A home loan belongs in a bigger story.

Your mortgage sits alongside ordinary life: household commitments, changes at work and the plans you want to make. Our guides are designed to make the next conversation easier to prepare for.

Explore repayments, refinancing and offset accounts at your own pace. Use the calculator for an illustration, or create a short private summary of your goals.

Clear about what happens here.

The summary planner creates a text file on your device. It does not send your answers to CutMyMortgage, submit a loan application or arrange a callback. Your inputs remain in the current page until it is closed or reloaded.

The calculator does not compare lenders or assess eligibility. Its assumptions are shown alongside the result. Before acting, consider your own circumstances, loan conditions and appropriate professional advice.

A source you can follow.

Our news archive explains selected Australian housing and economic releases, with links to the original sources. Each article distinguishes the news date from the date we published our explanation.

Images are illustrative. They do not show actual clients, staff or the reported events. Editorial articles are attributed to CutMyMortgage Editorial, rather than invented individual journalists.

A CLEARER NEXT STEP

Bring it back to your life.

Capture your priorities in a private summary you can download.

REPAYMENT EXPLORER

EXPLORE THE NUMBERS

What could a little
extra look like?

Adjust the numbers to explore an illustrative outcome.

You could finish around5 years 5 monthssooner
You could save approximately$147,415in interest

Illustration only, not a quote or personal advice. Assumes monthly principal and interest repayments, a constant rate, no fees and no missed repayments. Extra payments start immediately. Actual loan terms and results vary.

YOUR PRIVATE SUMMARY

YOUR NEXT CHAPTER STARTS HERE

What’s on
your mind?

Put your goals into words. This private planner creates a summary to download on your device. Your answers are not sent to CutMyMortgage.

Your details stay in this browser. This planner prepares a download; it does not send your answers.

PRIVACY

YOUR INFORMATION

Privacy, simply.

This site’s calculator runs in your browser. The summary planner creates a file on your device and does not submit your answers to CutMyMortgage.

Your inputs are not saved by this page after you close it. Hosting providers may process standard access logs. Fonts and images are served with this website.

We use PostHog, hosted in the United States, to understand page visits and a few actions such as opening the calculator or downloading a summary. A random identifier lasts for this browser tab’s visit. We do not send your name, notes, loan figures or summary contents, create a personal profile, or record your session. Page addresses exclude query strings and fragments.

Analytics respects Do Not Track, Global Privacy Control and the choice below. Your choice is saved in this browser. Hosting and analytics providers may process standard network information when requests are made.

Limited analytics can be turned off in this browser.

Share personal or financial documents only through a contact channel you have verified with the business.