The 30-day home loan reset for families who earn well and want out sooner.
You can't control the RBA, inflation or property prices. You can control how fast you kill the biggest debt you'll ever have. This course shows you exactly how, on your own numbers, from a working mortgage broker who spent a decade on the lender's side of the table.
The next 30-Day Reset starts Monday. Everything unlocks the moment you join.
From $297, with Klarna and Zip at checkout. 30-day unconditional refund. Price on the page, no sales call.
Illustrative: $750,000 at 6.10% p.a. with 28 years remaining, principal and interest. Your numbers will differ.
If that's you, nothing is wrong with you. The maths is working exactly as designed, for the bank.
Sources: Roy Morgan Mortgage Stress, July 2026; Finder Home Loan Report 2026.
Wages aren't going to rescue anyone. A "pay it off fast" seminar isn't either, and you'll see why inside. What works is boring, and it compounds.
Loans three to five years old pay about 0.58% more than new ones. Every year, for being loyal. There's a retention team whose job is to fix that when you ring.
Paying half your monthly amount every fortnight sneaks in a thirteenth payment each year. Most people who think they pay fortnightly are paying monthly divided by 2.17, which does nothing.
The question isn't whether extra works. It's where the money comes from, and that's what the cashflow system solves.
Offset versus redraw, splits, package fees, and whether your offset is even linked. ASIC found banks paid compensation for offset failures. In more than half, the account was opened and never connected.
Illustrative figures for a $750,000 loan at 6.10% p.a. with 28 years remaining, principal and interest. Pull all four together and the loan finishes 11 years 4 months early, with $458,537 of interest never paid. Your numbers will differ. Run your own in the Planner.
| What's inside | What it does for you | |
|---|---|---|
| — | The Mortgage Payoff Planner | Enter your loan once. See your real payoff date, then every lever side by side, then all four together. Models offset, extra repayments, frequency and a rate change at the same time, which the free calculators can't. Plus a rate-hike stress test, refinance break-even, package fee break-even and your equity position. |
| 01 | Why You're Not Getting Ahead | How a mortgage really charges you, where $816,041 goes, and why the "pay it off fast" crowd is selling you something. |
| 02 | Your Numbers | Read your statement like a broker. Rate versus comparison rate, LVR, loan age, the loyalty-tax gap. Your one-page Loan Snapshot. |
| 03 | The Rate Call | The word-for-word script for your bank's retention team, the three answers you'll get and what to do with each, when refinancing is worth it, and the reset-to-30-years trap. |
| 04 | Loan Structure | Offset versus redraw and the tax trap nobody mentions. Is your offset actually linked, in a five-minute check. Package fee break-even. Fixed, variable, splits. And could you handle multiple rate hikes in one year? |
| 05 | The Household Cashflow System | The offset-centred structure: buckets, automation, the twelve places the first $200 a week hides, the 20-minute fortnightly money meeting, sinking funds for school fees and big bills. |
| 06 | Early Repayments That Compound | Fortnightly halves done right, what to do with lumps, and the one habit worth $174,484 on the example loan: keep your repayment when rates fall. |
| 07 | Beyond the Mortgage | Super versus extra repayments, debt recycling, investing: what they are, who they suit, what to ask a licensed adviser. And the schemes to avoid. |
| 08 | Playbooks | Dropping to one income. Lumpy and self-employed income. Mortgage-free before you stop working. Your 90-day plan and monthly review. |
51 short video lessons, averaging under 8 minutes, all captioned with transcripts. One action and a two-question check at the end of every lesson. A workbook for every module. Calculators that work on your phone. A progress bar so you can see yourself finish.
Nothing is held back from the cheapest tier. Every lesson, every calculator, every workbook is in all three. What changes is how much of my time comes with it.
For: you'll do it yourself and you just want the system and the numbers.
Start the OverhaulFor: you know the plan works and you want someone to check your homework.
Join the CohortFor: the loan is big, or the situation has moving parts.
Take a placeOn the example loan, doing nothing costs $816,041 in interest. If your loan is four years old and never repriced, the loyalty tax alone runs about $4,350 a year, every year, on ACCC figures.
The alternatives in this market: a two-day seminar at around $1,000 that ends in a property pitch. A "money system" with a setup fee of $1,500 or more added to your loan. Or a $30 book that stops at the basics.
This is $297, once. The price is on the page. There's no call to book.
Illustrative: $750,000 at 6.10% p.a. over 28 years remaining, principal and interest. Loyalty tax from the ACCC Home Loan Price Inquiry applied to a $750,000 balance. Your numbers will differ.
Go through the Planner and the first three modules. If it isn't the most useful money you've spent on your mortgage, email us within 30 days and we refund you in full. Keep the Planner.
No forms, no "show us you did the work". If you're not better off, we don't want your money.
And the first-hour layer: put your loan into the Planner on day one. If it can't show at least two years off your loan on your own numbers, tell us before you start Module 1 and we refund you on the spot.
The RBA meets eight times a year, and every decision changes what your repayment should be and whether it's worth a phone call. $29 every four weeks, or $299 for the year. Free for your first 90 days with any tier.
Cancel any time, in one click, from inside the portal. We'll remind you before the free period ends.
Barefoot gives you the habit in a chapter. This gives you a broker's view of loan structure, a Planner that models all four levers together, the rate-call script, and a cashflow system built around an offset. If you already do all of that, you don't need this.
Good. Module 3 is the script for that call, and what to do with the three answers you'll get. Most people who ring without a script accept the first number they're offered.
No. Most of the course works with the loan you have. Module 3 shows you how to tell whether refinancing is worth it, and the trap to avoid if it is. Module 4 covers what your current lender will change without a refinance at all.
Module 8 has a playbook for each.
No. It's general education. It doesn't consider your personal circumstances. Where a decision needs personal advice, such as super, investing or tax, the course says so and tells you who to ask. The Loan Structure Review is a separate, licensed credit-assistance service.
Not inside the course. If you ask for the Loan Structure Review, you'll get our Credit Guide first, and if you choose to proceed to a loan through Esteb & Co we're paid commission by the lender, as disclosed. You're free to take the review and walk away.
About five and a half hours of video in lessons averaging under eight minutes. The 30-Day Reset runs it week by week: your Planner date on day zero, the rate call in week one, structure fixes in week two, cashflow system live in week three, extra repayments locked in week four. Everything is open from day one if you'd rather go faster.
30-day unconditional refund. Email us, no reason needed, and keep the Planner.
From $297. 30-day unconditional refund. No sales call.