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Mortgage Broker | Pay Off Your Home Loan Faster
Local mortgage broker servicing Wantirna and surrounding suburbs.
Helping homeowners refinance, reduce interest, and cut years off their home loan with a clear, strategic pay-down plan.
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PAY OFF YOUR HOME LOAN FASTER
Without Budgeting, Tracking or Sacrificing Your Lifestyle
I help homeowners organise their money and use smart mortgage strategy to cut years off their home loan, so everything feels simpler, calmer, and finally under control.
Cut years off your home loan
Reduce Interest
✔️What Australians Actually Want
(Not a Mortgage)
Most people don’t want a mortgage —
they want what being in the right mortgage gives them:
✔️ A home they feel secure in
✔️ Lower repayments
✔️ Less stress
✔️ More leftover money every week
✔️ To save more
✔️ To get out of debt sooner
✔️ To stop juggling bills
✔️ To stop wasting money on interest
✔️ To feel organised
✔️ To feel in control
✔️ To stop feeling behind
✔️ Clarity, guidance, certainty
✔️ A home loan that runs smoothly in the background
✔️ A plan they can follow
✔️ Peace of mind
🧭How I Help You Get There
(Simple. Strategic. Stress-Free.)
Most people are given a loan. I give you a PLAN.
A clear, personalised strategy that helps you:
💚 Save more
💚 Reduce debt
💚 Pay off your home faster
💚 Feel organised and in control
I combine smart mortgage structure with a simple money system so your finances run smoothly in the background — without budgeting, tracking apps, or overwhelm.
📋The Real-Life Plan
A Loan Strategy Designed to Cut Years Off Your Home Loan
A strategically structured home loan that reduces interest, accelerates repayments, and helps you pay off your home loan faster — without budgeting, tracking apps, or overwhelm.
The Right Home Loan Strategy
Choosing the structure, features, and repayment plan that supports your goals today and builds wealth for tomorrow.
Debt Simplification
If you're juggling multiple loans or repayments, I help you streamline everything into one clear, manageable path.
A Simple Money System
No apps.
No spreadsheets.
Just a clean, automated system so you always feel on top of your money.
Clear, Calm Guidance
You’ll always know exactly what’s happening, what comes next, and how your plan is supporting your life.
🔗Why My Approach Is Different
(Because you deserve more than a loan.)
Most brokers focus on interest rates and paperwork.
I focus on you — your life, your goals, your stress levels, and the simple plan that makes everything easier.
Here’s what sets me apart:
1. Strategy Before Structure
I don’t just find you a loan —
I design a long-term plan that helps you save more, reduce debt, and pay off your home sooner.
Your loan is simply the tool.
Your strategy is what changes your life.
2. A Simple, Friendly Money System
No budgeting.
No tracking apps.
No spreadsheets.
Just a clean, automated system that gives your money purpose — and gives you clarity.
3. Debt + Mortgage + Money — All Connected
Most brokers look at the loan.
I look at the whole picture:
💚 Your debts
💚 Your cashflow
💚 Your spending patterns
💚 Your stress levels
💚 Your future goals
Then I connect it all into one seamless plan.
4. Education, Not Confusion
No jargon.
No pressure.
No “broker talk.”
I explain everything in a way that’s easy to understand so you always feel calm, informed, and in control.
5. Support That Doesn’t End at Settlement
Your home loan isn’t the finish line — it’s the beginning.
I check in, review your loan, help you stay on track, and make sure your money is always working for you, not against you.
🌿The Result?
A home loan that feels easy.
A money system that finally makes sense.
A life with more savings, less stress, and a clear path forward.
🪧What Can We Help You With?
You're not alone — and there is a way out.
🔄 Refinance
Is your current home loan still the right fit for your life?
💳 Personal Loans
Whether it’s a wedding, new car, renovations, travel, or emergencies — I’m here to help.
🌱 Wealth Well
A library of money wisdom, guides, and tools to help you feel confident, calm, and in control of your finances.
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A little About Me
I truly believe everyone deserves to head into retirement owning their home — not still carrying a mortgage. That belief sits at the heart of everything I do.
I’m Nikki, a mortgage broker and money organiser who helps people create simple, strategic systems so their home loan works for them, not against them. I don’t believe in complicated budgets, tracking apps, or spreadsheets. I believe in clear structure, calm guidance, and systems that work quietly in the background of real life.
This approach isn’t just something I teach — it’s how I live. My husband and I are raising four children, and two of them have already purchased their own homes by following the same system I use with my clients. That’s incredibly important to me, because it proves this works in the real world — not just on paper.
Outside of work, you’ll usually find me in the garden, building small structures, camping, or spending time outdoors with our two dogs. I love creating things that are practical, stable, and built to last and that’s exactly how I approach money and mortgages too.
My role isn’t just to help you get a loan. It’s to help you build a plan that cuts years off your home loan, creates clarity, and sets you up for long-term security, so when retirement comes, your home is truly yours.
When your money is organised, your life feels organised. 💫
💜Nikki Harris