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 if their mortgage is on track to be paid off before retirement

and watch what happens.

There’s normally a pause…

Then

“I’ve got no idea, actually.”

or

“Nah, I won’t have.”

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.

Being

“all good” &

“on track to be mortgage-free before retirement”

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

A typical scenario in today’s economy: 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 work with strategy.

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

We’re paving the way for the new era of home loan management.

An era where you have a mortgage strategy.

An era where you have a mortgage coach.

An era where someone with mortgage expertise, but also 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

There is no words to explain how absolutely incredible the service from John and Bella was/ still is. (as I am still in the conditional- approval stage). The time, effort and passion John put into helping me get a loan, and under very difficult circumstances, was next level amazing. He truly knows what he’s talking about! He is very professional, kind, and down to earth. If I could give 100 stars I would. Trust me, if John can't help you, it’s unlikely anyone can. So just go to him first and don’t worry about the rest!

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!