You don't know where to start.
You've been thinking about getting ahead of the mortgage for months, maybe years. There's so much information out there that it's hard to know what applies to you.
For Australian homeowners with a mortgage
Everyone shows you how to buy a property, but not how to pay it off.
Watch this 7‑minute video from James. It walks through how we help working Australians pay the mortgage down faster, on the income they already earn.
Your next step
Book your free 15-minute Clarity Call.
We'll look at your numbers and tell you straight whether we can help.
Choose a timeWatch it before you book. It's what the call builds on.
Book my free Clarity Call
15 minutes by phone to see if you're eligible.
11 yearsJames's time in the industry
600+Clients James has helped
Clients from Cairns to Adelaide, Sunshine Coast to Melbourne. Sessions run by phone and Zoom.
The number most people are never shown
$695,000
in interest on a $600,000 loan at 6% over 30 years.
That's more than the loan itself.
It's the number our whole approach is built around: keeping as much of it as possible in your pocket instead of the bank's.
Illustration only: standard principal and interest repayments with the rate unchanged for the full term. Your numbers will differ.
Sound familiar?
People usually land here for one of three reasons.
You've tried, and it didn't stick.
Extra repayments, a budgeting app, a chat with a broker. The advice was generic, life got busy, nobody followed up and the progress stalled.
You've done everything right.
Worked hard, bought the home, never missed a repayment. The equity is building, but the mortgage feels like it hasn't moved and there are still 20 or 30 years on it.
If any of those is you, the video above is worth the seven minutes.
How we do it differently
We don't hand you a spreadsheet and say good luck.
We work with you hands on, through every step. Most of our clients aren't finance people. They have full-time jobs, busy families and very little spare time.
We don't give financial, tax, credit or legal advice. Licensed brokers, accountants and solicitors handle those parts, and we bring them in when you need them.
- 1
Know where your money goes.
And where it could go. A clear picture of what comes in, what goes out and what's left to work with.
- 2
A loan set up to work for you.
Our vetted, licensed partners look at how your home loan is structured, so it works for you, not the bank.
- 3
A plan built with you.
Your budget, the structure and the timeline, laid out in plain English, so you can stop guessing and avoid the expensive mistakes.
- 4
Someone keeping you on track.
Monthly accountability check-ins, and we keep reviewing your numbers as life changes. We don't disappear once the plan is in place.
In their words
Not one of them mentions a magic number.
They talk about not having to do it on their own anymore.
Individual experiences, not a guarantee of any outcome.
Honestly, Take the step and trust James. I was nervous as, didn't know what to do and it wouldn't have happened without him. James took me through step by step, one stage at a time, has an unbelievable network team from lawyers to property managers and finance. Everyone always there for support when needed. I am pleased I made the right decision putting my trust in Brixel no regrets.
The Brixel team was such an amazing asset in our journey. James helped us every step of the way to suit our needs and goals, then arranged finance, legals, tenancy advocates, EVERYTHING. We could not be happier and would give ten out of 5 stars if we could, thanks so much to all of you on the team, WE DID IT!!
James helped us every step of the way. He made the entire process easy and stress-free, and was always there to answer our questions and guide us through each stage. We highly recommend James. His knowledge, support and professionalism made such a difference to our experience.
James and his team are elite at getting things done. They got me sorted with minimal effort from me, couldn't be happier and am very grateful for them making it all very easy. Thankyou James again and i hope everyone reading this comes chooses you.
Meet James
From never hearing the word mortgage to paying one off.
James grew up with a single mum whose focus was a roof over their heads and food on the table. Money wasn't something they talked about.
By 31 he'd paid off a million-dollar property and built a portfolio alongside it. He shares that not to brag, but because you should hear this from someone who has actually done it.
11 yearsJames's time in the industry
600+Clients James has helped
Before you book
This isn't for everyone. That's on purpose.
It's for you if
- You own your home and have a mortgage on it
- You want a plan, not another list of tips
- You're willing to change how money moves in your household
- You'd like your partner on the call, if you have one
It's not for you if
- You're after a quick tip
- You want someone to promise you a number
- You'd rather keep doing what you're doing now
You don't need any finance knowledge or a big income. What you do need is commitment, consistency and a bit of courage. We bring the guidance and the experience.
Free Clarity Call
Book your 15 minutes.
On the call we look at one question: what would it take for your household to pay the home off sooner? For some it's realistic now, for some it isn't yet. Either way, we'll tell you straight.
- Pick a time that suits youCalls run by phone, at a time that works for you.
- Answer a few quick questionsSo the call is about your situation, not small talk.
- We call youHave your partner with you if you can. It's a household decision.
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Open the booking pageYou can reschedule from your confirmation email.
Questions
What people ask before they book.
Is the Clarity Call really free?
Yes. It's 15 minutes by phone, there's no cost and you're not signing up to anything.
Will I get a sales pitch?
The call is about your situation. If it looks like we can help, we'll explain what the next step would be and you decide. If we can't help, or it isn't the right time, we'll tell you.
Can you guarantee how fast I'll pay the home off?
No, and nobody honestly can. We show you the strategy and the numbers behind it. How it plays out depends on your situation and on sticking to the plan, which is why accountability is built in.
Do you give financial advice?
No. We're not financial advisers, brokers, accountants or lawyers. We work alongside licensed partners who are, and bring them in when you need them.
Do I need lots of equity or a big income?
No. The Clarity Call works out where you're starting from and whether we're the right fit right now.
Where are you based?
On the Gold Coast, working with homeowners right across Australia by phone and Zoom.
P.S.
Interest on a home loan is worked out daily. Every month without a plan is another month of it, whether you're thinking about it or not.
Fifteen minutes is enough to find out where you stand and what it would take. If the answer is "not yet", you'll still leave knowing more than you do now.
James IodiceFounder, Brixel Group