The system and the support that make you mortgage-free years sooner.
FastPay is not a lender or a broker. We give you the structure, the plan and the ongoing support that turn the income you already earn into a mortgage paid off years sooner.
More than a plan. A system that does the work.
A plan built on your real numbers
Not generic advice. The fastest route to mortgage-free for your situation, mapped from your actual income, loan and goals.
Structure that does the work
Your accounts and repayments set up so more of your income works against the loan every day. Progress stops depending on willpower.
Support that keeps it on track
Monthly visibility of your progress and an expert on call, so when life changes your plan adapts instead of breaking.
Pick the level of support that fits you
Go with ongoing support and we build your plan and stay beside you, or take the one-off strategy and run with it yourself. Every inclusion below earns its place. Here is what each one does for you.
FastPay Complete
Everything built for you, then kept on track for the long haul.
Strategy · Implementation & Ongoing support
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Your strategy, set up for youYour accounts are structured and your plan switched on for you, so the savings start from day one.
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Personal budget managementIncome and spending organised into one clear system, so money stops leaking and more of it goes to the loan.
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Monthly progress reportsEvery month you see exactly how many years and how much interest you have already saved, so you stay motivated and nothing drifts.
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Financial Wealth PortalA live view of everything you own and owe in one place, so you always know where you stand.
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Ongoing optimisation and a consultant on callYour plan is reviewed and fine-tuned as your situation changes, with a specialist on call for the moments that matter, a new job, a baby, a rate rise, so it adapts instead of breaking.
FastPay Blueprint
The full plan and consulting once, set up to run yourself.
Strategy · Implementation advice · Support on demand
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Individually designed planBuilt on your real numbers, it maps the fastest route to mortgage-free for your situation, not a generic rule of thumb.
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Full bank account structure set-upThe exact account structure that makes your income work harder against the loan, set up with you.
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Repayment automationYour system runs itself, so progress never depends on remembering or willpower.
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Personalised savings projectionSee the years and the dollars you stand to save before you commit a cent.
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One-on-one implementation consultingAn expert walks you through every step, so it is set up right the first time.
All prices include GST.
Compare the two
| What is included | FastPay Blueprint$1,750 one-off | FastPay Complete$750 / quarter |
|---|---|---|
| Personalised FastPay plan | ||
| Bank account structure set-up | ||
| Repayment automation | ||
| Personalised savings projection | ||
| One-on-one implementation consulting | ||
| Superannuation review with a financial adviser | ||
| Personal budget management | — | |
| Monthly progress reports | On demand | |
| Financial Wealth Portal access | — | |
| Ongoing optimisation and consultant access | On demand |
Why pay for this instead of putting the money straight on my mortgage?
It is the right question to ask, and the answer is simple once you see what each choice actually does. Money paid onto the loan saves you that amount, once. The same money invested in your FastPay setup changes how all of your income works against the loan, every single day, for the life of the mortgage.
A one-time dent
Your balance drops by that amount, plus a little saved interest. Useful, but it happens once and then it is done.
A change that compounds
Every dollar of income is restructured to sit against the loan longer, working for you for the whole term. This is where the years and the tens of thousands come from.
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No extra repayments. Your mortgage charges interest daily. We change how your income sits against the balance, so more of it is working before you spend it. You keep your lender, your loan and your lifestyle.
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You are buying leverage, not a discount. A few thousand off the loan saves a few thousand. The same few thousand, set up properly, can save tens of thousands and cut years off the term.
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The plan actually happens. Most homeowners who intend to pay extra never sustain it, because life gets in the way. You are paying for the structure that makes it automatic and the accountability that keeps it on track.
Before you decide
Because the two do very different things. Money paid onto the loan saves you that amount, once. The same money invested in your FastPay setup changes how all of your income works against the loan, every day, for the life of the mortgage. That is where the years and the tens of thousands come from. You are not buying a discount, you are buying leverage.
No. FastPay works by restructuring how your existing income flows, not by asking you to find more money. Your mortgage charges interest daily, so keeping more of your income sitting against the balance for longer does the work.
It depends which path you choose. FastPay Complete builds your plan, structures your accounts and then keeps you on track with monthly reporting and a consultant on call. FastPay Blueprint gives you the same plan and setup as a one-off, without the ongoing support.
For most clients the interest saved overtakes the fee early, then keeps compounding for the rest of the loan. Your free assessment shows the projected numbers for your own mortgage before you commit to anything.
No. You keep your current lender, loan and rate. FastPay is built to work around your existing setup.
Yes, in both plans. A superannuation review with a financial adviser is included at no extra cost, so your mortgage plan and your retirement plan pull in the same direction.
Your plan is built to flex with you, and ongoing support exists to adjust it when life changes. The cancellation terms are set out in our Refund Policy.
We assess every enquiry honestly. If FastPay cannot move the needle for you, we will say so and point you to the best next step instead. You only go ahead if it genuinely leaves you better off.
Yes. All prices shown include GST.
We only work with people we can genuinely help
If the numbers do not stack up, or FastPay is not the right fit for you, we will tell you straight and point you to the best next step. No pressure, no hard sell.
Still hesitating? Book a free support call
Tell us where you are today. We will show you what could happen if you take control of your mortgage the FastPay way, with no obligation either way.