Free Mortgage Freedom Calculator

There's a way to slice years off your mortgage and save tens of thousands in interest. Your bank knows about it. They just won't tell you.

No refinancing required. No extra income needed. Just a smarter setup most homeowners never discover.

4.9
★ ★ ★ ★ ★
365 reviews
Chris Rule Chris Rule · 40 years in Australian finance
↓ Run your numbers below
🏠

Your Mortgage Freedom Calculator

See what's possible when every dollar works harder for you

Estimated current value of your home
$
How much you still owe on your mortgage
$
Your current home loan interest rate
%
Your minimum required monthly repayment
$
Select your situation — we'll calculate your take-home pay using ATO tax rates.
$
$
Money in savings or offset accounts right now
$
How many years left on your current loan term
yrs
Groceries, bills, insurance, subscriptions — everything except your mortgage
$

Based on Your Numbers, You Could Be Mortgage Free In

-- years

Instead of -- years on the standard path

Years Remaining (Standard)
--
minimum repayments only
Years With Smarter Setup
--
your money working for you
Potential Interest Saving
--
based on your numbers
📈 Your Mortgage Balance Over Time

These figures are indicative only. To calculate your actual potential savings and years saved, Chris needs the full picture — every income source, every outgoing, and how your accounts are currently structured. These numbers give you a sense of what's possible. Your session with Chris gives you the real ones.

↓

Most people see a number like that and have no idea where to start.

That's exactly what these sessions are for. Chris walks you through it step by step. Personalised to your numbers, your situation, your life. Most people leave wondering why no one ever showed them this sooner.

Book below. Pay nothing today.

↓
⭐ Most Popular
Chris Rule

Full Strategy Session
with Chris Rule

Chris goes through every part of your situation personally. Your loan, your cash flow, your lifestyle goals. Step by step, in a focused 1.5-hour session.

$300
1.5-hour strategy session with Chris personally
📈 Clients save an avg. $300,000+ in interest
  • ✓ Direct 1.5-hour session with Chris Rule personally
  • ✓ Deep-dive into your full financial life and home loan
  • ✓ Deep calculations showing how you could potentially cut years off your mortgage
  • ✓ Broker review: is yours actually working for you?
  • ✓ Guidance on whether to refinance and what rate to ask for
  • ✓ Curated list of Australia's best brokers to choose from
  • ✓ Personalised modelling: see the 10, 20, 30 year impact
  • ✓ Full take-away plan and timeline
🆕 Exclusive Inclusion, With Chris's Compliments
Chris's Proprietary Mortgage Freedom Calculator

Financial companies have tried to buy this. No third-party access. No bank logins. Personalised to your situation and yours to keep forever.

You walk away with

A fully personalised roadmap to own your home years early. Highly accurate calculations based on your exact situation. Expert broker guidance. A tool to manage everything automatically from day one.

4.9
★ ★ ★ ★ ★
365 reviews

🟢 Hop on a quick 10-min call. We will show you exactly how it works and get you locked in. No payment needed today.

⏱ Chris takes a limited number of calls each week. Spots fill fast.

📅 Book Your Session

The numbers are real. Now let's build your plan.

💡

A rate rise of 0.5% could cost you $300+ a month more on your mortgage. A 1.5-hour session with Chris is $300 once and could show you how to potentially shave years off your loan. The maths speaks for itself.

🔒

Pay nothing today. We'll confirm your booking first and take payment before the call.No lock-ins, no fine print. Just a conversation that could change your financial life.

👋 Best Place to Start
Team Member Team Member Team Member

Quick Mortgage Check

New here? This is the easy first step. A focused 30-minute session with the Mortgage Escape team — we review your loan, show you the opportunities, and give you a clear place to start. No pressure, no jargon.

$100
One 30-minute session with our team
📈 Most people find $200+ in savings in the first session
  • ✓ 30-minute session with the Mortgage Escape team
  • ✓ Full review of your current loan and interest rate
  • ✓ Your biggest opportunities to save, explained simply
  • ✓ Practical actions you can take this week
  • ✓ No jargon, no upsell, no obligations
  • ✓ If we think you need Chris, we will tell you honestly
🆕 Exclusive Inclusion, With Chris's Compliments
Chris's Proprietary Living Expenses Tracking Calculator

Tracks your spending without connecting to any third-party apps. No account access required. Yours to keep forever.

You walk away with

A clear picture of exactly what is possible with your loan, a simple starting point, and a free tool to track your progress. Most people leave wishing they had done this years ago.

4.9
★ ★ ★ ★ ★
365 reviews

🟢 Hop on a quick 10-min call. We will show you exactly how it works and get you locked in. No payment needed today.

⏱ Spots are limited. Book yours today.

⭐ Most Popular
Chris Rule

Full Strategy Session
with Chris Rule

Chris goes through every part of your situation personally. Your loan, your cash flow, your lifestyle goals. Step by step, in a focused 1.5-hour session.

$300
1.5-hour strategy session with Chris personally
📈 Clients save an avg. $300,000+ in interest
  • ✓ Direct 1.5-hour session with Chris Rule personally
  • ✓ Deep-dive into your full financial life and home loan
  • ✓ Deep calculations showing how you could potentially cut years off your mortgage
  • ✓ Broker review: is yours actually working for you?
  • ✓ Guidance on whether to refinance and what rate to ask for
  • ✓ Curated list of Australia's best brokers to choose from
  • ✓ Personalised modelling: see the 10, 20, 30 year impact
  • ✓ Full take-away plan and timeline
🆕 Exclusive Inclusion, With Chris's Compliments
Chris's Proprietary Mortgage Freedom Calculator

Financial companies have tried to buy this. No third-party access. No bank logins. Personalised to your situation and yours to keep forever.

You walk away with

A fully personalised roadmap to own your home years early. Highly accurate calculations based on your exact situation. Expert broker guidance. A tool to manage everything automatically from day one.

4.9
★ ★ ★ ★ ★
365 reviews

🟢 Hop on a quick 10-min call. We will show you exactly how it works and get you locked in. No payment needed today.

⏱ Chris takes a limited number of calls each week. Spots fill fast.

📞 Not sure if this is right for you?

Book a free 10-minute call with Chris to find out if this approach could help you and your family shave years off your mortgage. No sales pitch. No obligation. Just an honest conversation.

Takes 60 seconds to book. Chris speaks to you personally.

👤 Who This Is For

It doesn't matter where you are in life. An hour and a half with Chris can change your relationship with your mortgage.

Whether you just bought your first home or you've been grinding away for a decade, Chris's approach works for anyone who's ready to stop being married to their mortgage.

💕

Young Couples & First Home Buyers

Starting right makes an enormous difference. Learn the setup from day one and the compounding effect over 20+ years is extraordinary.

🏠

Growing Families

Juggling a mortgage with kids, school fees and life costs is tough. Chris shows families how to make every dollar pull its weight.

⏳

Mid-Life Homeowners

Still 15+ years from paying off? There's more you can do than you think. Even changes made today can dramatically shift your timeline.

👤

Singles & Solo Homeowners

One income, full mortgage. Chris's approach was built for exactly this. Smart structure matters even more when you're going it alone.

The difference: you speak to Chris. The actual person. The expert.

Not a chatbot. Not a form. Not a generic PDF. You sit with someone who has spent 40 years in Australian finance, who looks at your actual numbers, walks you through the strategy step by step, and builds a plan around your real life, including the holidays, the goals and everything that matters to you.

4.9
Excellent
★ ★ ★ ★ ★
Based on 365 reviews
5-star
93%
4-star
5%
3-star
1%
2-star
0%
1-star
1%
★ ★ ★ ★ ★

"Chris's no-nonsense approach and debt reduction strategy showed me exactly how to direct my money. Seeing how many years I could take off my loan was an incredible feeling. Highly recommend if you're motivated to get rid of your debts."

Tim H
Tim H.
Verified client
★ ★ ★ ★ ★

"They provide the info banks are reluctant to give — how to save tens if not hundreds of thousands in interest and how to shorten the term of your mortgage. Thanks guys."

Sarah M
Sarah M.
Verified client
★ ★ ★ ★ ★

"Chris created an amazing program that enabled us to break free of our financial constraints and set a safe path to freedom. Honest and transparent no matter how many times our situation changed. We could not be happier."

Hayley & Jon
Hayley & Jon Reid
Verified clients
★ ★ ★ ★ ★

"Chris is honest, upfront and extremely professional. No hard sell — his main concern is that you are comfortable. The plan has to stack up financially or it will not proceed. Knowledge and finance intelligence second to none. Strongly recommend."

Andrew Hardie
Andrew Hardie
Verified client
Chris Rule

Chris Rule

Founder, Mortgage Escape  |  40+ Years in Australian Finance

Chris spent decades in banking watching Australian families hand hundreds of thousands of dollars to banks in interest they didn't need to pay. So he built a system and a calculator to help them stop.

The Mortgage Escape approach is built on one core idea: every dollar you put in the right place reduces the interest charged on your loan that day. Most Australians are never taught this. Chris has been teaching Australian families since 1989. He's not stopping.

He built the calculator you see on this page. And when you book a session, he'll walk you through exactly how to apply the strategy to your own situation, at your own pace.

40+ years experience
1,000s of families helped
Est. 1989
Free — No Strings Attached

The Mortgage Truth Your Bank Hopes You Never Read

Not ready to jump on a call yet? That is completely fine. Chris put together a short read that explains exactly how your mortgage is structured, why most people pay far more than they need to, and the simple shift that changes everything. Take it home, read it at your own pace, and come back when you are ready.

  • ✓ How your mortgage actually works (no jargon)
  • ✓ How to use an offset account to shave years off your loan
  • ✓ The 3-step plan to tip the scales in your favour
  • ✓ Banker vs broker: who is actually on your side

By Chris Rule, 40+ years in Australian finance. Free. No spam.

I'll read it first

Drop your details below and download it instantly. No spam, no pressure, no call required.

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Mortgage Escape is not a bank, broker, or licensed financial adviser. The sessions and tools provided by Chris Rule are educational and informational in nature, drawing on 40+ years of experience in Australian finance. They are not personal financial advice under the Corporations Act 2001. We strongly encourage you to consult a licensed financial adviser before making any changes to your mortgage structure. Individual results vary based on personal circumstances.