Pay Off Your Mortgage ASAP.
The two-stage cheat sheet our clients use to knock years off the family home — without earning a dollar more. It's a live Excel workbook: put your own numbers in and it does the maths for you. Stage one turns your monthly surplus into years off the loan. Stage two turns the equity you already have into a second property that helps pay the first one off.
What's in the download
Stage 1 — The offset engine
Type in your income and every expense. It finds your real monthly surplus, then runs a genuine month-by-month offset simulation against your loan — exact interest saved, exact years and months cut, and the date you'd be debt free.
Stage 2 — The equity play
Your usable equity at 80% LVR, turned into a worked example — purchase price supported, deposit, buying costs, the new loan and the type of property it actually buys. Then flip it, renovate it or hold it, and put the profit back on your home loan.
Live formulas, not a printout
Every number recalculates the moment you change an input. Gold-bordered cells are yours to type in; everything else is a formula. Works in Excel, Numbers and Google Sheets.
Get the Cheat Sheet
Tell us who you are and the spreadsheet downloads straight away — free, no obligation, no credit check.
Excel workbook (.xlsx), 65 KB. By downloading you agree a Capital Legacy broker may contact you about it. We never sell your details — see our Privacy Policy.
Four tabs, no guesswork
Open it and the workbook is already filled in with a worked example, so you can see how it behaves before you touch a thing.
Tab 1
Start Here
How to use it in three steps, and who to send it to when you're done.
Tab 2
1. Offset Engine
Income, expenses, surplus, loan. Out comes the interest saved and the years cut off.
Tab 3
2. Equity Play
Usable equity, what it buys, and what the profit does to your home loan.
Tab 4
Offset Schedule
The full month-by-month workings, so you can see exactly where the saving comes from.
The example it opens with
A $650,000 loan at 6.10% with 27 years to run, and $2,153 a month of surplus going into the offset. Change a single cell and every one of these numbers moves.
Interest saved
$400,115
Paid off sooner
14y 7m
Usable equity
$230,000
Which buys
$900,000
Stage two, done for you
We'll find the property too.
Once the spreadsheet shows you what your equity can buy, the hard part is finding the right property at the right price. Capital Legacy works with onboarded buyer's agents who source, negotiate and settle on your behalf — including off-market stock you'll never see on a portal — while we structure the equity release behind it.
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.