Pay Off Your MortgageIn Under 10 Years.
The Debt Reducer strategy uses your surplus borrowing capacity to clear your PPOR mortgage in half the standard time — without selling your home or cutting your lifestyle.
Hypothetical case study • For educational purposes only • Not financial advice
Avg. mortgage payoff vs. 20-year standard
Half the timeNet worth growth in the Mitchell case study
7-year strategyNet worth increase for a $360K combined income household
Starting from $365KWhat's Your Mortgage-Free Date?
Adjust the sliders below to model your personal Debt Reducer projection using the same framework applied in the Mitchell case study.
Projections are illustrative only, based on the Debt Reducer strategy framework. Assumes 8.6% average CAGR on investment properties, 47% marginal tax with 50% CGT discount. Not financial advice. Individual results vary significantly.
Mortgage-Free In
vs. 20-year standard trajectory
Full projection includes:
- 7-year net worth chart
- Year-by-year debt trajectory
- IP acquisition plan
- Net proceeds after CGT
- Post-strategy pathways
The Mitchell Case Study
Senior Engineer & Marketing Director. Combined income $360K. Starting net worth $365K. 7-year Debt Reducer strategy. Mortgage-free at ages 45 & 43.
Strategy duration (vs. 20-year standard)
Net worth growth — $365K → $1.69M
PPOR mortgage at age 45 & 43
Average portfolio capital growth
Townsville, QLD
Workforce — Clock 5:00
Adelaide, SA
Smooth — Clock 6:00
Brisbane, QLD
Smooth — Clock 7:00
Before Strategy — 2018
After Strategy — 2025
This case study is hypothetical and has been prepared by the Performance Property Research Division for educational purposes only. It does not constitute financial, property, or personal advice. Past performance is not indicative of future results.
How the Debt Reducer Works
A disciplined, evidence-based framework that uses your surplus borrowing capacity to clear your home loan decades ahead of schedule.
Risk Metrics Review
We audit your PPOR DTI, LVR, and cash buffer. If your PPOR debt sits below 3x household income, you have surplus borrowing capacity to deploy.
Value-Stage Market Selection
Properties are selected in markets at the value or momentum stage of the property clock — vacancy below 2%, trading below replacement cost, strong affordability runway.
Staggered Portfolio Construction
Typically 2–3 investment properties acquired over 18–24 months. IO loans preserve cash flow. Annual reviews track all four risk metrics throughout the hold period.
Counter-Cyclical Exit & Payoff
Sell into pre-peak momentum (clock position 10–11). Net proceeds — after CGT with 50% discount — are applied directly to the PPOR mortgage. Surplus becomes your next wealth vehicle.
Strategy Risk Limits — Never Exceeded in the Mitchell Case Study
See Your Complete 7-Year Projection
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Unlock Now — It's FreeYour Debt & Equity Trajectory
Based on the Mitchell case study model — 3 investment properties in value-stage markets, held 6–9 years, targeting 60%+ capital growth.
Total Portfolio Value & Net Equity
Year-by-Year Risk Metrics
| Year | PPOR DTI | Total DTI | LVR | Cash Buffer | Cash Burn p.a. |
|---|---|---|---|---|---|
| Y0 (2018) | 2.28x | 2.28x | 67.4% | 7.9% | — |
| Y1 (2019) | 2.28x | 4.06x | 76.1% | 5.1% | -$15,800 |
| Y2 (2020) | 2.28x | 5.17x | 79.4% | 5.4% | -$19,700 |
| Y3 (2021) | 2.11x | 4.79x | 69.8% | 6.8% | -$16,200 |
| Y4 (2022) | 1.94x | 4.44x | 64.0% | 8.2% | -$12,400 |
| Y5 (2023) | 1.78x | 4.11x | 60.1% | 9.5% | -$8,800 |
| Y6 (2024) | 1.64x | 3.82x | 56.8% | 11.1% | -$5,200 |
| Y7 (2025) | 1.50x | 3.55x | 53.8% | 12.8% | -$1,600 |
Your Surplus Capacity Is Sitting Idle.Let's Put It to Work.
A 30-minute strategy session with a Performance Property advisor will show you exactly how much surplus borrowing capacity you have — and map a clear path to a mortgage-free future.