Mortgage One-Eighty by MoneySmith

Mortgage One-Eighty is a mortgage repayment strategy that helps homeowners pay off their home loan in less than half the usual time, without changing their lifestyle or stretching their budget.

It gradually increases mortgage repayments in line with inflation, using surplus cash flow that naturally occurs as household income rises over time. This method helps borrowers reduce their loan term while saving thousands in interest.

Yes, Mortgage One-Eighty can work with most standard home loans without requiring refinancing or changing lenders. As long as your mortgage allows flexible repayments, the strategy can be applied to help you pay off your loan faster while staying within your budget.

Before using Mortgage One-Eighty, consider your loan’s repayment flexibility, your income stability and how comfortable you are with gradual payment increases. 

It’s also important to assess your long-term financial goals to ensure this strategy aligns with your plans for savings, investments or other expenses.

Mortgage One-Eighty stands out because it works with your natural cash flow, gradually increasing repayments in line with inflation—no budget cuts, refinancing or lump sum payments required.

Unlike other strategies, it transforms inflation into an advantage, making extra payments feel effortless. Plus, it's exclusive to MoneySmith clients, giving them a unique path to financial freedom.