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Most Kiwis settle for a 30-year mortgage, but you don’t need to stay locked in for that long. Mortgage optimisation can shorten your loan term and save you hundreds of thousands in interest.
Total mortgage
Average monthly repayments (30-year term, 5.5% interest rate)
In total repayments over 30 years
In interest paid over 30 years – more than the loan itself!
For this example, let’s use a mortgage of $800,000. The takeaway? Without a strategy, you risk spending decades paying interest that could have stayed in your pocket and helped fast-track your financial goals.
Every dollar you put in now saves you multiple dollars in long-term interest.
In 30 years:
$800,000 at 5.5% → $4,542/month, $835k interest
In 15 years:
Same mortgage → save about $458k in interest
In 10 years:
Same mortgage → save about $593k in interest
Here are the core areas we’ll work through together to help you make faster, smarter financial progress.
Get a deeper understanding of how you make financial decisions and how small shifts can make a big difference to your progress.
We’ll map out a straightforward plan that connects your income, lifestyle, and goals with a faster route to becoming mortgage-free.
Structure your accounts so your money goes where it should – cutting waste and freeing up surplus to put toward your mortgage.
We’ll look at how your loan is structured and identify opportunities to improve efficiency, reduce interest, and accelerate repayment.
We’ll review your safety nets and ensure you have the right buffers in place so your plan stays steady, even when life shifts.
We’ll check in regularly, review your progress, adjust your plan when life changes, and give you the guidance you need to stay on track.
Jane and Tom have a $900,000 mortgage on their home. They currently have a 27-year loan term on a floating rate of 5.35% and are making minimum weekly repayments of $868. They reached out to Lighthouse to put a strategy in place to clear the mortgage faster.
Mortgage Details |
Before Optimisation |
After Optimisation |
Outcome |
|---|---|---|---|
Surplus income found |
$0 |
$400 per week |
Extra repayments go straight off the principal |
Interest rate changes |
5.35% |
4.49% |
Better rate through refinancing |
Cashback |
$0 |
$13,500 |
Cashback from refinance |
Monthly repayments |
$5,256 |
$6,986 |
Same lifestyle, smarter use of existing income |
Loan term remaining |
27 years |
16 years |
10 years shaved off their mortgage |
Total interest over life |
≈ $803,000 |
≈ $441,000 |
≈ $362,000 in interest savings |
Loan structure |
Single floating loan |
Mix of fixed, floating + offset |
More flexibility and savings |
In this scenario by uncovering surplus income, restructuring the loan and securing a better rate through a refinance, Jane and Tom are now on track to save around $361,000 in interest and become mortgage-free 11 years earlier than their original plan.
Paying off your mortgage faster doesn’t just save money – it gives you freedom. Imagine redirecting that $4,542 per month into travel and experiences, investments that build wealth, your kids’ education, a home upgrade or new car, or helping your kids with a deposit.
It’s not just about being debt-free, it’s about creating choices.
In this session, we’ll review your financial position, explore opportunities to reduce interest, and outline the steps that could accelerate your progress.
By the end, you’ll understand exactly what’s holding you back and what you can do to get mortgage-free faster.
From day one, our focus has been on helping Kiwis feel confident about their money — and with 200+ five-star reviews, we’re proud to be doing just that.
"We recently needed to remortgage our rental portfolio and chose to work with the team at Lighthouse Financial Services. It turned out to be a fantastic decision! From the very start, they were professional, supportive, and made the entire process so much easier for us."
"We recently needed to remortgage our rental portfolio and chose to work with the team at Lighthouse Financial Services. It turned out to be a fantastic decision! From the very start, they were professional, supportive, and made the entire process so much easier for us."
"We could not recommend the team more highly. Navigating the process of purchasing a first home is filled with questions and unknowns so having support from these two was fantastic. They were responsive, clear, approachable, worked to understand what we needed and had it all covered."
"We could not recommend the team more highly. Navigating the process of purchasing a first home is filled with questions and unknowns so having support from these two was fantastic. They were responsive, clear, approachable, worked to understand what we needed and had it all covered."
"Lighthouse were very quick and easy to work with. The staff had great communication and processed my tax return within a few days. I recommend their service."
"Lighthouse were very quick and easy to work with. The staff had great communication and processed my tax return within a few days. I recommend their service."
"I've been working with James from Lighthouse for the last 2 years. James has been working with me to help me define and maintain my financial goals and manage my investments. James is extremely easy to deal with and explains things in a very simple and easy to understand way. "
"I've been working with James from Lighthouse for the last 2 years. James has been working with me to help me define and maintain my financial goals and manage my investments. James is extremely easy to deal with and explains things in a very simple and easy to understand way. "
"Great experience working with Jess and the Lighthouse team. Jess was extremely diligent and had continued great communication throughout. We feel extremely confident moving forward with Jess guiding us through our financial goals."
"Great experience working with Jess and the Lighthouse team. Jess was extremely diligent and had continued great communication throughout. We feel extremely confident moving forward with Jess guiding us through our financial goals."
"We have just brought our 2nd investment property with the help of Vinny & Laura. Their communication is clear, concise and timely and they’re so easy to work with. I look forward to building our property portfolio with them alongside us."
"We have just brought our 2nd investment property with the help of Vinny & Laura. Their communication is clear, concise and timely and they’re so easy to work with. I look forward to building our property portfolio with them alongside us."
"Lighthouse financial were super awesome in helping our family buy our first home. Laura and Vinny were always prompt and professional with their support. Highly recommend lighthouse and more specifically Laura and Vinny for all your mortgage related needs."
"Lighthouse financial were super awesome in helping our family buy our first home. Laura and Vinny were always prompt and professional with their support. Highly recommend lighthouse and more specifically Laura and Vinny for all your mortgage related needs."
"I’ve had an excellent experience with James and the team at Lighthouse. Their financial advisory services have improved my financial literacy through one-on-one meetings, webinars, and podcasts."
"I’ve had an excellent experience with James and the team at Lighthouse. Their financial advisory services have improved my financial literacy through one-on-one meetings, webinars, and podcasts."
"I would encourage anyone looking to sort your financial planning and investing to check these guys out , and also the mortgage brokers team who bent over backwards for my situation to get me across the line! They keep you in the loop of the progress and suggest options along the way to take advantage of any situation presented. "
"I would encourage anyone looking to sort your financial planning and investing to check these guys out , and also the mortgage brokers team who bent over backwards for my situation to get me across the line! They keep you in the loop of the progress and suggest options along the way to take advantage of any situation presented. "
"They guided me in securing health, life, and income insurance, and helped me get my Will sorted. I really appreciate their expertise and genuine commitment to their clients. I highly recommend their services - I even referred my dad to them."
"They guided me in securing health, life, and income insurance, and helped me get my Will sorted. I really appreciate their expertise and genuine commitment to their clients. I highly recommend their services - I even referred my dad to them."
