Mortgage Strategy

The maths often says invest. Plenty of Australians in their 50s still want the mortgage gone before they retire. This piece walks through why choosing certainty, closing the payoff gap, and lining your loan up with your last day of work is a perfectly rational decision from someone who’s been in banking and finance since 1994.

They had 8 years until retirement, but 21 years left on the mortgage. This real case study shows how structure, surplus and timing changed the answer from unlikely to possible.

If you’re 45 to 60 with a mortgage that may outlast your working life, Budget 2026 changes the strategy conversation. Here’s what changed, what didn’t, and why the home loan matters more than ever.