The Cheat Sheet

Pay Off Your Mortgage ASAP.

The two-stage formula our clients use to knock years off the family home — without earning a dollar more. Stage one puts every spare dollar to work in an offset account. Stage two turns the equity you already have into a second property that helps pay the first one off.

What's behind the lock

Stage 1 — The offset engine

Map your income against every expense, find your real monthly surplus, then watch what happens when it sits in an offset account against your loan. Exact interest saved, exact years and months cut.

Stage 2 — The equity play

See the usable equity sitting in your home right now, and exactly what it could buy — purchase price, deposit, costs and property type — so a second property can start paying down your first.

Your numbers, exported

Download the whole scenario as a spreadsheet, or send it straight to a Capital Legacy broker in one click.

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The offset engine

Turn your monthly surplus into years off your loan

Take-home income (after tax)—

Include every earner in the household, plus rent, dividends or government payments you actually receive.

Monthly expenses

—

Home loan repayments

Other loans & credit cards

Groceries & household

Utilities, rates & internet

Transport & fuel

Insurance & health

Childcare & education

Dining, subscriptions & fun

Everything else

Your monthly surplus

—

This is the money that does the work. Every dollar of it parked in an offset account stops charging you interest.

Your current mortgage

Loan balance

Interest rate

Remaining term

yrs

Savings in offset now

We keep your repayment at the current contracted amount and let the growing offset balance do the rest — the way a real offset account behaves.

Interest saved

—

Paid off sooner

—

Without an offset—

With your surplus in an offset—

Current monthly repayment—

Interest without an offset—

Interest with your offset—

New payoff time—

Debt-free by—

The equity play

Buy a second property that helps pay off the first

Stage one gets your home loan moving. Stage two accelerates it. Instead of leaving equity locked in your home doing nothing, you draw on it to buy an investment property — then flip it, renovate and revalue it, or hold it and let the rent and growth compound. The profit or new equity goes straight back onto your owner-occupied loan.

What's your home worth today?—

Not sure? Our Usable Equity Calculator can look up an estimate by address. Your loan balance carries across from stage one.

Usable equity at 80% LVR

—

80% of your property value, less what you still owe. Lenders generally release equity to this line without charging Lenders Mortgage Insurance.

Property value—

80% lending line—

Less current loan—

Total equity (value − loan)—

What that equity could actually buy

Enter your property value and loan balance to see a worked example.

Purchase price supported—

Deposit needed (20%)—

Stamp duty & buying costs (~5.5%)—

Equity you'd draw on—

New investment loan (80%)—

Property type—

Assumes your income comfortably services both loans, an 80% LVR investment purchase, and typical Australian stamp duty and conveyancing costs. Servicing is what lenders actually assess — a broker confirms it in minutes.

Where would you buy? (optional)

See what's for sale in this range

Capital Legacy works with onboarded buyer's agents who source, negotiate and settle investment property on your behalf — including off-market stock you won't see on a portal.

Step 3 — Make it real

Send your scenario to Capital Legacy.

One click sends every input and every result above straight to Zubair — so when you speak, the numbers are already on the table. Or take the spreadsheet with you.

These results are estimates only

Offset savings assume your surplus is deposited every month and your interest rate stays fixed for the life of the loan — neither is guaranteed. Usable equity and purchase capacity depend on a lender's valuation and servicing assessment. This is general information, not financial advice.

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Pay Off Your Mortgage ASAP.

What's behind the lock

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