We're a small, Brisbane-based brokerage with one stubborn goal — to get our clients to the day the bank hands back the title deeds, as fast as the maths allow.
MortgageFree started in 2003 when our founder, Jon Mardell, kept noticing the same thing — clients would settle a loan, then drift along on whatever rate the bank quietly let them sit on, sometimes for years. Nobody was checking.
So we built the practice around the part most brokers skip: the bit after settlement. Every six months we revisit your loan, compare it against today's market, and pick up the phone to your lender on your behalf. Most clients shave 0.15–0.45% off without switching banks.
Twenty-three years on, we've settled over 1,000 home loans, $296M+ in lending, and the principle hasn't moved: the goal isn't the loan, it's the day you don't need one.
So the recommendation is actually for you. The big four, mutuals, non-banks — all equal in our eyes until your situation says otherwise.
Twice a year, every year. No reminder emails for you to ignore — we schedule it, we run it, we tell you what changed.
Brokers earn nothing on a renegotiation. We do it anyway, because it's usually the right answer.
No call centre, no rotating account managers. The person you meet in week one is the person who runs your review in year ten.
John helped me with my refinancing and saved a lot of $$$ on interest. The communication and service were excellent — will definitely recommend.
Real Australians, real numbers, real years shaved off the loan.
Bought his first owner-occupied home after building an investment portfolio. We restructured his investment loans to interest-only and built an offset + credit card strategy so every dollar worked against the home loan.
Stuck on interest-only with a loan that wasn’t reducing. We switched her to a cheaper product with an offset, rolled the interest savings back into the loan, and got her on track to be mortgage free in 17 years instead of 30.
Wanted to pay off their first home in 15 years without sacrificing lifestyle. We set the loan on a 20-year term and adjusted repayments post-settlement, plus offset + credit card structuring. On track to be mortgage free in under 15.
Fifteen minutes, no obligation, an honest read on where you stand.