CreamyPastadish

http://ezinearticles.com/?How-to-Pay-Off-Your-Mortgage-Fast&id=2566268
1. The weekly/monthly rule.
If your mortgage payments are monthly, ask if you can change them to weekly. The bank will probably adjust your weekly payment to reflect the exact monthly payment. To pay the bank's revised payment will remove the advantage. Instead, do this: Take the previous monthly payment and divide it by 4. Make the result your new weekly payment. It will be more than the bank's figure and this will help get rid of the home loan faster.
2. Big interest savings are made by paying larger payments, so, just like the weekly monthly rule think about what you could add to your payment without causing hardship. Add that amount to your payment and make the payment come out of your account or from your pay automatically, so you don't have to do anything to make it keep happening.
3. Resolve to put any windfall money (like a tax refund for instance) into your home loan and always do this.
4. Create a windfall by having a garage or yard sale and get rid of unwanted stuff, and pay the proceeds off your home loan.
5. If you have 2 incomes in your household, is it possible to live on one and pay the other entirely off the loan?
6. take advantage of offset accounts etc. (http://www.echoice.com.au/mortgage/home_loans?pn=/info/home_loan_types/offset_account.html)

One final thing, review the payments every 6 months and check if you can increase them. The sooner the loan is gone, the sooner that entire payment belongs to you!
If you follow all of these strategies, your home loan should start to drop much much faster then the planned rate. You're on your way to getting rid of the mortgage. -Graham Couper-Smith


Interest rate increases hurting
New frontier for bargain hunters
Power savings
Pay extra at every opportunity – if you’re not paying an extra month’s repayment a year on your mortgage then you’re missing out on a really big savings. It is really the same argument people used to talk about paying weekly.
First home buyer
http://www.anz.com/personal/home-loans/
http://mozo.com.au/home-loans/features/first-home-buyer/ANZ
http://www.canstar.com.au/
In NSW, IMB banking and financial services lead the way - http://www.imb.com.au/default.asp

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