Pay Off Your Mortgage Faster — Mas Que Finance
No courses. No webinars. Just strategy.

Your mortgage doesn't have to be a 30-year sentence.

Most transport workers spend their careers doing extra shifts to pay down a home loan, not realising the overtime is being eaten by tax and there is a smarter way to get there. Here it is. Free.

7 to 10 yrs
Total time to pay off your mortgage, not 30
$400k+
Interest avoided on a typical $900k to $1.2m loan
$0
What this strategy session costs you
⚠️

The RBA has raised rates twice in 2026 already. Is your mortgage set up to handle it?

After cuts through 2025, the RBA lifted the cash rate to 4.10% in March 2026, driven by inflation picking back up. Rates are moving and mortgage holders without a strategy are getting squeezed again. The people who come out ahead in a rising rate environment are the ones who have their structure right before it happens. That is exactly what we help you set up.

If you are doing overtime to pay off your mortgage faster, read this first.

Transport workers are some of the hardest working people in the country. Early starts, late finishes, weekends, public holidays. The overtime adds up but so does the tax.

A train driver or bus driver earning $90k to $100k base, with consistent overtime pushing income to $120k to $140k, is sitting in the 37 to 45% marginal tax bracket. For every extra $1,000 in overtime you earn, you take home somewhere between $550 and $630. The rest goes straight to the ATO.

An investment property can reduce your taxable income, which means your overtime dollar goes further AND the ATO sends money back to you on top. Here is what that looks like side by side.

Scenario A — overtime only
$1,000 overtime earned
After 37% tax: around $630 hits your account. You traded a Sunday for it. No lasting structure behind it.
Scenario B — investment property plus overtime
$1,000 overtime earned
Investment interest reduces your taxable income. ATO refund comes fortnightly on top. Same Sunday, far smarter outcome.
Extra shifts, no strategy
Trading time for money. Taxed hard. Mortgage still 25 years away.
→
Same income with the strategy
Overtime plus rent plus ATO refund fortnightly plus offset equals mortgage gone in under 10 years.
One more thing most people do not know: if you have 2 or more years of consistent overtime on your payslips, most lenders will count it as income when assessing what you can borrow for an investment property. Your overtime is not just income. It is borrowing power.
The playbook
Five moves. Mortgage gone in under a decade.
Banks charge interest daily. Every dollar in the right place, even overnight, is working against your balance. Here is how to flip that.
1

Build a real budget and split it into buckets

Fixed bills. Everyday spending. Savings. Each account has one job. When money has a purpose you stop losing it to things you cannot remember buying. This is the foundation everything else sits on and it takes one afternoon to set up properly.

2

Park your income in offset or redraw — every day counts

Interest is charged daily on your outstanding balance. Both incomes sitting in an offset account between pay cycles can save $80k to $120k or more over the life of an $800k loan. That is not a trick. That is the bank's own daily calculation working in reverse for once.

Offset versus redraw: if you tend to spend money when you see it sitting there, redraw is actually better for your psychology. It creates a one-step barrier before you can access it. That friction alone keeps thousands more reducing your interest. We work out which structure fits how you actually behave with money.
3

Use your credit card as a 55-day free float

All fixed bills go on a credit card with a 55-day interest-free period. Pay it in full every cycle. Your cash stays in offset longer, reducing daily interest, while you use the bank's money at zero cost. Small move with a real compounding effect over 10 years.

4

Buy an investment property and let it and the ATO pay your home loan

Rental income goes onto the home loan. The investment interest is tax-deductible, reducing your taxable income and therefore the tax on your overtime too. Get your ATO refund fortnightly aligned with your pay cycle. For a transport worker on $120k to $140k this can be worth $15k to $25k or more back per year, all directed straight at your mortgage.

When you sell, capital gains tax applies. The sale proceeds figures in the scenarios below are shown after a 50% CGT discount, which applies when you hold the property for more than 12 months. Even after tax, the net result is still well ahead of doing nothing or relying on overtime alone.
5

Sell strategically, clear the home loan, and build real wealth

After-tax sale proceeds wipe the remaining balance. Most clients on this plan are mortgage-free in 7 to 10 years. From there the options open up: more residential property, commercial assets, or buying inside super. The mortgage being gone is just the starting line.

Debt recycling — the strategy most brokers never explain

Once you have built equity in your home, there is an additional layer that cuts years off your mortgage and reduces your tax bill at the same time. It is called debt recycling and it is powerful for anyone in a higher tax bracket, which includes most transport workers with regular overtime.

Your home loan interest is not tax-deductible. But if you use equity to invest in income-producing assets like shares, ETFs or property, that investment loan interest is deductible. Over time you are converting bad debt into good debt while the ATO helps fund the process.

Extra into home loan
Build equity
Redraw as investment loan
Tax deductible
Invest in income assets
Rent or dividends
Returns plus tax savings
Back to home loan
Repeat
Cycle accelerates
Real example: Transport worker earning $130k with overtime. $200k investment loan at 6% equals $12,000 per year in interest. At a 37% marginal rate, that is $4,440 back from the ATO per year on top of rental income, all directed back onto the home loan. Over 10 years this alone can shave 3 to 5 additional years off your mortgage.

This needs to be set up correctly from day one with the right loan structure, a good accountant, and a broker who knows what they are doing. That is exactly what the strategy session covers.

📈

Rates are rising again. The right structure is not optional right now.

The RBA raised the cash rate twice in early 2026 to 4.10%, with inflation picking back up driven partly by Middle East conflict and energy prices. Every 0.25% increase adds hundreds of dollars per year to an $800k loan. The clients who are insulated are the ones whose money is already sitting in offset reducing their daily balance. If yours is not, now is the time to fix that before the next one comes.

The tax angle
What does an investment property actually save you in tax?

When a transport worker with an investment property sits down with a good accountant and a depreciation schedule, the numbers are genuinely surprising. Here is what the ATO gives back across two real income scenarios. This is general information only, not financial or tax advice — your actual position depends on your income, loan size, depreciation schedule and deductions claimed.

Income: $130k with overtime
Tax without investment property$38,000 per year
Loan interest deduction$22,800
Depreciation schedule (year 1)$10,000 to $12,000
Property costs (rates, insurance, PM fees)$5,000 to $6,000
Total deductions~$38,000 to $40,000
Tax after property deductions~$26,000 to $28,000
Annual tax saving$10,000 to $12,000 back
Reduction in total tax bill26% to 32% less tax
Income: $90k base salary
Tax without investment property$21,500 per year
Loan interest deduction$22,800
Depreciation schedule (year 1)$8,000 to $10,000
Property costs (rates, insurance, PM fees)$4,500 to $5,500
Total deductions~$35,000 to $38,000
Tax after property deductions~$10,000 to $12,000
Annual tax saving$9,500 to $11,500 back
Reduction in total tax bill44% to 53% less tax
The depreciation schedule is the secret weapon most people miss. A quantity surveyor report costs around $600 to $700 and is itself tax deductible. On a newer property it typically finds $8,000 to $12,000 in year one deductions alone, with zero cash outlay. That report pays for itself in tax savings within weeks. Add it to loan interest, property management fees, rates, insurance and repairs and most investment properties reduce their owner's tax bill by somewhere between 20% and 50%, depending on income level. The lower your base income, the bigger the percentage reduction.

Figures are illustrative estimates based on a $380,000 investment loan at 6% interest on a property purchased new after 1987 with a quantity surveyor depreciation schedule. Your actual deductions and tax position will vary based on your individual circumstances, loan structure, property type and age, rental income, and other income sources. This is general information only and not financial, tax or legal advice. Speak to a qualified accountant and broker before making any decisions.

Real-world scenarios
What this looks like in practice
Based on real suburb data and market conditions from the past 10 years. All sale proceeds shown are after capital gains tax with the 50% CGT discount applied.
Marco and Sarah — train guard and registered nurse
Home: Penrith NSW  ·  Bought 2021  ·  Loan $780k
Mortgage gone: Year 9
Home loan
$780,000
IP 1 — Ipswich QLD (2022)
$420,000
Weekly rent
$480 per week
ATO refund (fortnightly)
$860 per fortnight
Net sale proceeds after CGT (yr 5)
$610,000
Interest saved total
$340,000+
How it worked: Mark's 2 years of consistent overtime was included in the borrowing assessment. They qualified for the Ipswich investment without straining cash flow. Both salaries sat in offset from day one. All bills went on the 55-day credit card float. Rental income and the fortnightly ATO refund went directly onto the home loan every pay cycle. Ipswich surged around 60% in 5 years. The net sale proceeds after CGT cleared the remaining balance. Mortgage gone in year 9. Mark still drives trains, now by choice not necessity.

Freight OT counted as incomeCGT discount applied on sale
Raj and Priya — network controller and accountant
Home: Campbelltown NSW  ·  Bought 2022  ·  Loan $480k
Mortgage gone: Year 8
Home loan
$480,000
IP 1 — Logan Central QLD (2022)
$340,000
Weekly rent
$420 per week
ATO refund (fortnightly)
$740 per fortnight
Net sale proceeds after CGT (yr 5)
$545,000
Interest saved total
$215,000+
How it worked: Raj's long-haul overtime was consistent and well documented. Priya's income sat in offset between pay cycles. The ATO refund was auto-directed to the mortgage every fortnight without fail. Logan Central had some of the strongest 5-year growth in QLD, nearly doubling in value. Net proceeds after CGT cleared the remaining balance with money to spare. Paid off in year 8.

Overtime used as borrowing powerQLD growth did the heavy lifting
Tom and Michelle — track maintenance worker and aged care worker
Home: Gosford NSW  ·  Bought 2021  ·  Loan $520k
Mortgage gone: Year 8
Home loan
$520,000
IP 1 — Armadale WA (2021)
$310,000
Weekly rent
$390 per week
ATO refund (fortnightly)
$580 per fortnight
Net sale proceeds after CGT (yr 5)
$540,000
Interest saved total
$230,000+
How it worked: Perth's Armadale surged over 23% annually through 2023 to 2025. Strong rental demand meant the IP was nearly self-funding from day one. Tom's weekend penalty rate history was documented and used in the borrowing assessment. Net sale proceeds after CGT cleared most of the remaining loan with savings redirected from the offset clearing the last portion. Mortgage gone by year 8.

Weekend penalty rates documentedWA boom drove the equity
Jason and Belinda — signals engineer and teacher
Home: Kellyville NSW  ·  Bought 2019  ·  Loan $1.05m
In progress — on track year 9 to 10
Home loan (original)
$1,050,000
Home loan (now, year 6)
$580,000
IP 1 — Logan City QLD (2020)
$340,000
IP 1 current value
$680,000+
IP 2 — Mandurah WA (2022)
$380,000
IP 2 current value
$640,000+
Combined weekly rent
$980 per week
ATO refund (combined, fn)
$1,240 per fortnight
Where they are at: Jason's overtime, consistently $30k to $40k above base, was documented and used in both IP assessments. Combined IP equity over $650k. Offset never below $80k. Debt recycling running from year 4. Plan: sell IP 1 in year 7, net proceeds after CGT clear most of the remaining balance. Hold IP 2 as a long-term asset.

OT used as borrowing powerDebt recycling runningIP 2 held long-term
Sam and Leilani — station CSA and healthcare worker
Home: Blacktown NSW  ·  Bought 2021  ·  Loan $720k
In progress — year 4, ahead of plan
Home loan (original)
$720,000
Home loan (now, year 4)
$510,000
IP 1 — Rockingham WA (2022)
$380,000
IP 1 current value
$660,000+
IP 2 — Caboolture QLD (2023)
$460,000
IP 2 current value
$580,000+
Combined weekly rent
$940 per week
ATO refund (combined, fn)
$1,120 per fortnight
Where they are at: Sam's shift work and public holiday double time was the fuel that got them into two investment properties by year 2. Combined IP equity already over $400k. Sitting 18 months ahead of their original plan. Target: mortgage-free by year 8 to 9 with CGT discount applied on both sales.

Public holiday double-time documented2 IPs acquired by year 2
Ryan and Cassie — fleet mechanic and part-time retail
Home: Wollongong NSW  ·  Bought 2020  ·  Loan $620k
In progress — year 5, accelerating fast
Home loan (original)
$620,000
Home loan (now, year 5)
$355,000
IP 1 — Goodna QLD (2021)
$350,000
IP 1 current value
$620,000+
IP 2 — Kwinana WA (2022)
$320,000
IP 2 current value
$590,000+
Combined weekly rent
$890 per week
ATO refund (fortnightly)
$1,040 per fortnight
Where they are at: Ryan works every weekend he can get. Two years of that documented history was used in the second IP assessment. ATO refund is auto-directed into offset and never touches the spending account. Home loan down from $620k to $355k in 5 years. Plan: sell IP 1 in year 6 with CGT discount, home loan gone. Keep IP 2 long-term.

Weekend penalty rates used as incomeATO refund auto to offset
Michael and Karen — senior train guard and part-time admin
Home: Castle Hill NSW  ·  Bought 2017  ·  Loan $1.2m
Mortgage gone: Year 9, now buying in SMSF
Home loan (original)
$1,200,000
IP 1 — Bundamba QLD (2018)
$290,000
Net sale after CGT (yr 5)
$460,000
IP 2 — Armadale WA (2019)
$280,000
Net sale after CGT (yr 7)
$510,000
IP 3 — Moreton Bay QLD (2021)
$420,000
IP 3 now in SMSF
$720,000+
Interest saved total
$520,000+
How it worked: $1.2m loan, the kind most people assume means 25 years minimum. Michael's overtime was consistent and properly documented across both IP assessments. Three properties with debt recycling running from year 3. IP 1 net sale after CGT discount cleared around $450k off the home loan. IP 2 net sale after CGT discount cleared the rest. IP 3 has since been transferred into their SMSF. $1.2m loan. Gone in 9 years. Michael still drives trains, now because he wants to.

3 IPs plus debt recyclingAll CGT discounts appliedIP 3 now in SMSF
Simon and Vanessa — infrastructure engineer and payroll officer
Home: North Kellyville NSW  ·  Bought 2016  ·  Loan $980k
Home loan (original)
$980,000
IP 1 — Eagleby QLD (2017)
$285,000
Net sale after CGT (yr 6)
$510,000
IP 2 — Baldivis WA (2019)
$340,000
Net sale after CGT (yr 8)
$575,000
Commercial strata — Ipswich QLD (yr 9)
$1,100,000
Commercial net rent
$1,850 per week
Interest saved total
$490,000+
How it worked: Simon drove long-haul freight. The overtime was the fuel. Two residential IPs in sequence across QLD and WA. Both timed well with the respective state booms. Home loan gone by year 8 after net CGT proceeds from both sales. Used the clean balance sheet to buy a small industrial strata in Ipswich. Tenants pay all outgoings. The net rental income covers the commercial loan repayments and then some. Simon cut back to part-time. $1,850 a week in passive income replaced the need for overtime entirely.

Residential to commercial transitionOvertime replaced by passive income
Dan and Sonja — train driver and childcare director
Home: Parramatta NSW  ·  Bought 2020  ·  Loan $1.4m
In progress — year 5, ahead of schedule
Home loan (original)
$1,400,000
Home loan (now, year 5)
$870,000
IP 1 — Morayfield QLD (2021)
$430,000
IP 1 current value
$780,000+
IP 2 — Gosnells WA (2022)
$350,000
IP 2 current value
$640,000+
IP 3 — Kallangur QLD (2023)
$510,000
IP 3 current value
$640,000+
Combined weekly rent (3 IPs)
$1,480 per week
ATO refund (3 IPs, fortnightly)
$1,760 per fortnight
Where they are at: $1.4m loan. Three kids. Dan works every public holiday at double time and a half. That income was documented and used to qualify for all three investment properties. Combined equity now around $880k. Three fortnightly ATO refunds hitting offset every pay cycle. Home loan down from $1.4m to $870k in 5 years. Plan: sell IP 1 in year 6 to 7 with CGT discount, large chunk off the remaining balance. Sell IP 2 in year 8 to clear the rest. Keep IP 3 long-term. Still on track for mortgage-free in under 10 years.

Public holiday double-time as borrowing power3 ATO refunds per fortnight to offset$1.4m loan on track sub-10 years
Past performance and market growth figures referenced in these scenarios are illustrative only and not a guarantee or reflection of future results. Property markets vary significantly by location, timing and economic conditions. Individual outcomes will differ based on income, borrowing capacity, property selection and market performance at time of purchase and sale. This is general information only and not financial, tax or legal advice. Always seek advice from a qualified professional before making investment decisions.
"The transport workers I work with are some of the hardest working people I know. Early starts, late finishes, weekends, public holidays. The strategy does not ask you to stop. It just makes sure that work is actually building something, not just keeping the bank happy."
Anthony, Mas Que Finance
What clients say
Real people. Real results.
We have been working with transport workers and their families for 10 years. Here is what some of them have to say.
★★★★★

I was putting in 60-hour weeks thinking that was the only way to get ahead. Anthony sat me down and showed me that the overtime was actually costing me more than I thought because of the tax bracket I was in. Within 18 months we had the investment property sorted, the ATO refund coming in fortnightly, and my mortgage was dropping faster than it ever had during the years I was killing myself with shifts. Wish I had done this 10 years earlier.

F
Francesco M.
★★★★★

As a single woman buying on one income I honestly thought this strategy was not for me. Anthony looked at my numbers and showed me it absolutely was. The Armadale property I bought in 2022 has already gone up significantly and the tax refund I get each fortnight genuinely changed my monthly cash flow. I am on track to be mortgage-free in my early 40s. That was not even in my thinking before this conversation.

O
Olivia T.
★★★★★

My wife and I had tried to understand negative gearing before but every broker we spoke to either made it sound too complicated or just wanted to sell us a product. Anthony explained the whole thing in plain language, set up the loan structure correctly and made sure we had an accountant who understood what we were doing. Two investment properties in, the plan is working exactly as he said it would.

J
Jamil A.
★★★★★

I handle payroll for a large transport organisation so I understand tax better than most people. Even I was surprised by how much we were leaving on the table. The depreciation schedule alone saved us nearly $10,000 in the first year. Anthony's advice is genuinely the best financial decision my husband and I have made since buying our home.

E
Elena V.
★★★★★

We started with Anthony when our home loan was sitting at just over a million dollars. I am a train driver, my wife works in healthcare. We thought we were doing alright but we were just paying interest and not really getting anywhere. Three years in, we have two investment properties, our home loan is down significantly and we actually feel like we have a plan for the first time. Anthony replies same day, every time. That matters when you work shifts and can only call at odd hours.

WL
Wei-Lin and Mei C.
★★★★★

I was sceptical when a colleague recommended Anthony. Seemed too good to be true that you could cut years off your mortgage without earning more. But the maths actually stacks up and he walks you through every bit of it. We sold our first investment property last year and the proceeds cleared about $280,000 off our home loan in one hit. After CGT. The loan we thought would take 25 years is now tracking to finish in about 9. I tell everyone at work about it.

ST
Steve and Tanya R.
What comes next
The mortgage gone is just the beginning
Here is where clients go from here and what we help them build toward.
🏘

Build a residential portfolio

Use the equity. Rinse and repeat, this time with no home loan eating into your cash flow.

🏢

Transition into commercial

Better yields, longer leases, tenants pay outgoings. The natural step when you want real passive income.

🔵

Buy in your super (SMSF)

Concessional tax environment, long-term compounding. Powerful once your personal balance sheet is clean.

⏱

Work less overtime

The actual goal. Build passive income to the point where the extra shifts become optional, not necessary.

Who you are dealing with
Hi, I am Anthony.
Anthony Fontana, Mas Que Finance
Mas Que Finance

12 years in finance. 10 as a broker. I have seen it all and fixed most of it.

I started in the non-profit world, where caring for people was not optional. That same approach is baked into everything I do in finance. You are not a transaction to me. You are someone building a future and I take that seriously.

I have worked with hundreds of families and individuals across Sydney and beyond. From first home buyers scraping together a deposit, to transport workers with $1.4m loans who thought they would be paying them off until retirement. The strategy works. The numbers are real. And I will show you exactly how it applies to your situation.

Even after major surgery that put me in hospital for months, I was still helping clients get pre-approvals from my bed. That is not something I say to impress anyone. It is just how seriously I take this work and the people I do it for.

12 yrs
In finance, seen the full cycle
10 yrs
As a broker finding the right deal
$0
Paid by lenders, never by you
Same day
Replies, every time

Let's map out your plan.

20 minutes. No pitch, no pressure. Bring your loan balance and your questions and we will work out what is actually possible for your situation, whether you are just starting out or already mid-journey with a portfolio.

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