How Does This Work? 

Homeowners across America have been taught that paying on a mortgage for up to 30 years is just something that you have to do if you want to own a home.

The program teaches us to use our hard-earned cash to strategically pay off debt, increase our equity and available funds and puts us in a better position to accumulate wealth. 

Our program shows you what to do. It simply directs you to exactly which debts to pay down faster, how much to pay and when.

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Check if you qualify

Take the 15-second assessment to see if you qualify.

Receive your FREE report

Our experts will produce a free report which will show you just how fast you could pay off your mortgage

Save time and money

Relax knowing you could become debt-free in as little as 5-7 years

The Process In More Detail

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Our Process

We review your current mortgage to work out what could be available to you.

Our advice is FREE with no obligation. The purpose of the initial call is to understand the best options for you.

We provide you with a bespoke plan and once you agree we will submit your mortgage application on your behalf.

Rest easy knowing you have managed to reduce your mortgage term by up to 8 years without increasing your monthly payments.

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About Proper Mortgages

Our goal is simple. We want homeowners to get the best mortgage deal possible for their situation.

No-one wants to spend their evenings and weekends wading through over 3,000 mortgage products, just to find the best deal for their circumstances. Then you have the… let’s be honest... unhelpful jargon and requirements that come with submitting a mortgage application.

It can be off-putting at the best of times. And that’s where we come in!

Our team scour through our network of mortgage contacts and find you the best deal possible.

All you need to do is take one of our free online assessments to see if you qualify. If you do, we’ll match you with one of our specialists who will be able to help you based on your circumstances. They’ll get in touch with you to confirm what you need before they go ahead and search the whole market and find the best deal for you.

No matter what your situation is, our advice is free and no credit checks are required upon initial enquiry. Let us help you get a Proper Mortgage!

Let's take the example of a typical mortgage in the US. In this case, we will call the family The Smith family. They have a standard 30-year, $300k mortgage at 4.5 % interest, with a monthly payment of $1,520 per month (principal and interest). The Smiths also have a little less than $24,000 in miscellaneous consumer debt.

Based on the table below, you will see that only $395.06 of the Smith's first month's mortgage payment actually went toward paying down their mortgage principal, with $1,125.00 (or 74.0 % of their payment) going toward interest (i.e. profit for your bank!). 

Moving on to the next month, May 2021, only $396.54 went toward paying down their mortgage principal, with $1,123.52 (or 73.9 % of the payment) going toward interest. 

So, for month two, the amount going toward principal only increased by a whopping $1.48. And in the third month, June 2021, the amount going toward principal only increased by another $1.49.

Frequently Asked Questions

I have other debts, can this work for me?

Yes! Whatever debts that you have, you can also put them into the program and it will calculate the optimal way for you to cut your debts in the fastest time.

Do I have to change my lifestyle?

No. The best thing about our program is you don't have to alter the way you live right now for this to work for you. The technology will guide you on what payments to make and when to pay them.

I have bad credit will this work for me?

It doesn't matter what your credit rating is. In fact, our program is proven to work with or without good credit AND may even improve your credit.

Do I need to refinance?

No, this is not a refinance program. This works with any mortgage with any lender.

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For roughly the FIRST 15 YEARS of their mortgage, the majority of their monthly payments are being credited toward interest. It would take 19.75 years (or 237 months) for the Smiths to pay down only half of their mortgage balance. No wonder it takes 30 years to pay off a mortgage!

Now let's take a look at the total amount of interest that would be paid on a fully amortized 30-year, $300k mortgage at 4.5% interest. 

At $547,218.25 ($247,218.25 in interest payments, which equals 82 % of the original $300k loan amount) you could have purchased almost TWO of these houses! 

This is what our program helps you avoid.

What Home Owners Across America Have To Say

“I cannot tell you how excited I am heading toward paying off our mortgage and our 2nd mortgage in less than 5 years. Light at the end of the tunnel! Thank you for such a wonderful program!!!” 

Carrie T.

“This is the best debt-reduction system we have ever seen. We reduced our mortgage payoff date from 27.5 yrs. to 8.3 yrs.! Since we are almost 50 yrs. old, it makes retirement look a lot more attractive”

Robert & Denise K.

“As a single woman, I look forward to the savings I will receive from my program. Best of all, to the peace of mind of facing retirement age without a mortgage payment! ”

Victoria C.

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*All time and interest savings examples, wealth building examples and rates of return on this site are strictly hypothetical. Individual time and interest savings amounts and wealth-building possibilities are subject to individual qualification. Individual qualification required. No Financial Advice or recommendations have been made as a part of this site.

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For individuals looking to grow their wealth: IUL policies can offer potentially higher rates of return than traditional universal life policies, providing a way to accumulate wealth over time.

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