Financial Insights
Financial wisdom to help you become mortgage-free faster.
Need to calculate your loan? Try our free calculator
Go to Calculator →The 10% Allowance Strategy: Your Best Tax-Free Savings Account
Most UK mortgages allow a 10% penalty-free overpayment. Discover why this is mathematically superior to almost any savings account.
The 'Cliff Edge': Surviving the Fixed-Rate Expiry
Your 2% fixed rate is ending, and 6% rates are waiting. Learn how to calculate the exact lump sum needed to keep your monthly payments unchanged.
PMI Destruction: The Race to 20% Equity
Private Mortgage Insurance is 'dead money'. Learn how to calculate the exact lump sum needed to eliminate it and unlock a 20%+ ROI.
The 'Bi-Weekly' Hack: 13 Months in a 12-Month Year
How to pay off a 30-year mortgage in 25 years without feeling the pinch. The simple math trick banks don't advertise.
Rent vs Buy: The 5% Rule and Opportunity Cost
Is buying a house always better than renting? Not anymore. We break down the 5% Rule and the hidden costs of homeownership.
PMI Removal Guide: How to Ditch Private Mortgage Insurance
Paying money to insure the bank against you? Learn exactly how to remove PMI from your monthly payment once you hit 80% equity.
Bi-Weekly Mortgage Payments: The Math Behind the Magic
Is the bi-weekly mortgage hack real? See how paying half your mortgage every two weeks saves thousands without changing your budget.
The Avalanche Method: How to Pay Off Your Mortgage 7 Years Early
Stop paying the smallest debt first. Learn why the mathematical 'Avalanche' method is the only logical option to save $50,000+ in interest.
House Hacking 101: How to Live for Free in 2025
Using multi-unit properties to cover your mortgage.