If you’re a homeowner in New Zealand, you probably dream of being mortgage-free well before retirement. But with rising interest rates, increasing loan terms, and financial pressures, more and more Kiwis are still paying off their mortgage in their 60s and 70s—a situation that can severely limit your lifestyle and financial security in retirement. 

While there is no “official” retirement age in New Zealand – most think it starts at 65 as this is when superannuation and other pension payments start to be paid out. But only 72% of retirees today own their home mortgage-free, compared to 78% a few decades ago, and by 2048 40% of retirees will be still renting, which will impact New Zealand’s housing landscape creating the need for suitable housing stock as a cohort of older renters reach retirement. 

So Are You on Track to Retire Mortgage-Free? 

If you still have 15+ years left on your mortgage, you could be heading toward a financially stressful retirement, where loan repayments eat into your pension and savings. 

But there’s good news. You don’t have to follow the traditional 30-year mortgage plan. With the right mortgage freedom strategies for homeowners, you can pay off your mortgage faster than you thought possible – without extreme budgeting or sacrificing your lifestyle. 

The Simple 03-Step Wealth Building System 

If you want to be mortgage-free before retirement, you‘ll need a proven strategy that puts money back into your pocket instead of the bank’s. The Simple 03-Step Wealth Building System is designed to help you: 

• Eliminate decades of mortgage repayments and free up your income. 

• Save $200,000 – $400,000 in interest that would have gone to the bank. 

• Use your home equity to build long-term wealth and passive income for your future. 

This isn’t about extreme budgeting or taking on a second job—it’s about structuring your mortgage the smartest way and using a step-by-step plan to reach financial freedom faster. 

Step 01: Maximise Your Disposable Income 

Most people don’t realise that how they structure their income determines how much they keep and how much goes to unnecessary interest. 

The Freedom First Spending Plan helps you take control: 

• 50% Needs (mortgage, utilities, insurance) 

• 20% Wants (holidays, dining out, hobbies) 

• 20% Savings (extra debt/mortgage payments, investments) 

• 10% Giving (donations, gifts, contributions) 

By automating your spending plan and allocating your income strategically, you can free up more cash flow to pay down your mortgage faster—without feeling deprived. (mpamag.com) 

Client Example: 
Jared was struggling with debt and a 28-year mortgage. After following this system, he paid off $15,000 in credit card debt, reduced his mortgage to just 9 years, and now owns two properties worth $1.85 million—all within a few years. 

Step 02: Flip the Script on the Bank & Use Home Equity to Invest 

Banks don’t want you to know this—but your mortgage structure is keeping you in debt longer than necessary. 

The Fast Track Mortgage System helps you: 

• Pay off your mortgage in under 10 years instead of 30 

• Build equity faster so you can invest sooner 

• Stop overpaying the bank and keep your hard-earned money 

 This is exactly how the team at Futurebound has helped our clients shave over $101,787,516 of mortgage interest. 

Instead of waiting 30 years to own your home outright, you can use your equity to buy an investment property sooner.  

 Step 03: Create Passive Income & Secure Your Future 

What if your mortgage wasn’t just an expense—but a tool to generate wealth? 

Using home equity, you can: 

• Buy your first rental property without needing a deposit 

• Let tenants pay off your investment mortgage 

• Build wealth without taking on a second job 

Example Scenario: 

• Buy a rental property for $800,000 using your home equity 

• In 10 years, its value increases to $1.3 million 

• Your net worth grows by over $500,000—all without using your own cash! 

With this system, you’re not just paying off debt—you’re creating financial freedom. 

Download the Free Mortgage & Financial Freedom Handbook Now! 

Start your 10-year mortgage payoff plan today and build the future you deserve.