Not For Long.

How to kill your home loan a decade early — and use what's left to build something.

Have a listen First 45 seconds of the audiobook · 3:53 in full

Getting Ahead 25 chapters 50 pages Australian edition 2026–27 Ebook · Audiobook · Calculator

The largest debt most Australians carry, the only one with no tax deduction, and the one almost nobody attacks. On the worked example it costs $775,594 in interest.

A dollar on your mortgage earns your mortgage rate, guaranteed and tax-free. At a 39% marginal rate that's the same as earning 10.08% before tax.

What's inside

The four numbers to watch, and why the payoff date is the motivating one
Fortnightly, offset and rate reviews — the free wins
Offset or redraw: the choice that decides your future deductions
Debt recycling, split loans, and the Hart case that killed one version
How long you now have to hold an investment before selling beats paying down

How it's laid out

Part oneThe best investment you already own

Part twoKilling it faster

Part threeThe equity you're building

Part fourBuy, hold, sell, repeat

Part fiveDoing it again

The honest bit

Every handbook in this series shows you where the strategy loses, not just where it wins. If the numbers don't beat leaving your money alone, the book says so plainly and shows you the comparison. That's the whole point of them.

Keep going

Others in this collection

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The 2026 Budget made every other appreciating asset worse and left the family home alone. That changed what th…

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Ask the handbooks

Ask me anything about the handbooks — what's in them, which one fits your situation, or what a rule actually means. I'll point you to the right book and chapter.

I can't give you financial advice, and I won't try.

General information only — not financial advice.