Julian Finch: Save tens of thousands of dollars with this simple mortgage hack
Announcement posted by Invigorate PR 19 Feb 2026
One simple change could save you tens of thousands. With interest rates rising again on the back of persistent inflation, many Australians are feeling stuck and stressed when it comes to their mortgage. According to Julian Finch, founder and CEO of Finch Financial, one of the most effective strategies doesn't involve refinancing or changing lenders at all. It simply involves how often you repay your loan.
Finch recommends paying your mortgage off weekly.
"Most home loans are structured around monthly repayments. When borrowers switch to weekly repayments, they effectively make 52 payments per year, which is the equivalent of paying 13 months instead of 12," Finch said.
"That extra month happens quietly but over time, it has a massive impact on how quickly the loan comes down."
Julian Finch is the founder and CEO of Finch Financial. With decades of mortgage brokerage and commercial lending experience, Finch has helped thousands of Australians successfully navigate the lending process. Finch Financial has one of the highest loan approval rates in the country, often securing approvals within minutes. Considered the Money Man, Julian Finch has helped many people get into the best-fit home loans fast and with minimal effort so they can buy their dream home or ideal investment property.
"Paying more frequently means the loan balance reduces faster, interest is calculated on a lower balance sooner and total interest over the life of the loan is reduced," he added.
What the numbers look like
Using a simple example:
Loan amount: $500,000
Interest rate: 6 percent
Loan term: 25 years
On standard monthly repayments, borrowers could pay more than $460,000 in interest over the life of the loan.
"By switching to weekly repayments, many borrowers can pay off their mortgage around four years earlier and save approximately $70,000 to $90,000 in interest," Finch said.
"That's without changing lenders or negotiating a better rate. It's just a behavioural shift."
Why more people don't do it
According to Finch, habit is the biggest barrier.
"Monthly repayments feel normal," he said.
"However, once weekly repayments are set up, most people barely notice the difference, except in how quickly their balance drops."
A simple strategy with long-term impact
Weekly repayments won't suit every borrower, but for those with stable income, Finch said it's one of the simplest ways to take control of a mortgage.
"When it comes to paying off your home loan faster, it's often not about doing something dramatic," Finch said.
"It's about doing something consistent, every week."
Finch emphasised that reducing mortgage stress can be achieved. There are many options and he encouraged people to reach out to a good broker for help. There are lower rates and better options around. Brokers know where to look and what to do.
About Finch Financial Services
Based in Hurstville, NSW, Finch Financial Services has been servicing Australian families and businesses with home, personal and commercial loans as well as asset finance services since 2015. Ranked amongst the top five percent of brokerages in Australia according to data from the MFAA, Finch Financial Services is a leading brokerage and family-owned business that specialises in finding its customers loans that are tailored to their needs and goals.