Built to help families
become mortgage-free
FastPay was created with one belief: every homeowner deserves a clear, achievable path to owning their home outright — without the complexity.
$0
Extra repayments
No
Rate chasing
Smarter
Money structure
Ongoing
Expert support
Mortgage-free planning, built around your goals
Most Australians spend 25–30 years paying off their mortgage. We saw a better way. FastPay helps you take control with clear, step-by-step guidance, with no rate chasing, no extra repayments and no complexity.
You get a personalised mortgage strategy, streamlined implementation, and ongoing support that adapts as your life changes. It's mortgage acceleration, made simple.
Our philosophy is simple: your mortgage plan should be easy to understand, easy to follow, and easy to stick with.
Marina Ritchie
Founder, Oculus FastPay
Marina founded Oculus FastPay to make mortgage-free living a clear, achievable plan rather than a distant hope, with guidance that fits around real life.
Every strategy is personal, every report is honest, and the support stays with you for the whole journey.
Three principles behind
every plan
Mortgage momentum
Start with clear numbers, then follow a simple plan designed to accelerate your paydown from day one.
Not a rate chase
We change how your income works against your existing loan. It is never about chasing a lower rate, and there is no hassle or paperwork for you.
Support that stays
Ongoing reviews and guidance help you stay confident and on track as your situation changes.
We don't sell loans
We're not brokers or lenders. Our only goal is to help you pay off your existing mortgage faster.
Results from week one
Your strategy starts working immediately. You'll see the impact on your very first statement.
We stay with you
This isn't set-and-forget. We provide ongoing guidance for as long as you need it.
Transparency first
No hidden fees, no commission structures. You always know exactly what you're paying and what you're getting.
Not a lender.
Not a broker.
Your mortgage guide.
We exist to do one thing: help you become mortgage-free sooner. No conflicts of interest, no product sales, just clear, focused guidance.
Ready to get mortgage-free
years sooner?
Book a free assessment and we'll show you what could happen if you take control the FastPay way.