Slash your mortgage with a proven system the banks don't want you to know about

I knew about this strategy 7 years ago through the original founder/ inventor of Harj Gil which I saw from a commercial. He brought this system to the US and now copy cats are charging at least $3500-$5000 such as replace your mortgage, truth in equity, the pill method for his concept. If you want to maximize this hack to work for you I suggest you go pay his site a visit, speedequity.com. Harj's book however is not as easy to understand as this one. When I read this book that's when I finally realized what Harj was doing all these years. This method is old. It's in its 20th year anniversary since it's inception in Australia. Anyway, wish I had implemented Harj's system 7 yrs ago. I could have made $395k on my last property and used that money for down payment for my current house. My monthly would have been so minimal right now. But still many thanks to Clayton and Natali for making this concept easy to comprehend. My wife and I are currently utilizing this hack with the help of Harj to our current home. Estimated time of pay off... 4 years!

Very easy read and highly recommend. Immediately after reading this book I sent 2 as gifts to friends. Within 3 days I applied for a home equity line of credit and one of my friends did the same.
He's getting the HELOC to pay down his mortgage.
My home is paid off so I'm going to be buying rental properties with the HELOC and use this system to pay the line of credit down.

It had some useful information but not any different than what they say in their youtube channel. I expect them going more in depth, maybe have some charts or some math behind it. This "book" was to basic for me.

Amazing book Clayton and Natalie you have put this in perfect perspective for the people who needed light shined on the darkness of their finances. This makes you want to dive in and like you said Natalie in youre and claytons podcast video,slash it with a machete. Amazing book. Amazing couple. God bless you both and thank you for what you do.

Very informative book and very easy to read. We purchased a program to help us do this same thing about 10 years ago. Now this book has refreshed my memory on the steps to early pay off and I'm so excited to put them into practice. Thanks Clayton and Natali!

The author clearly explained how "Home equity line of credit" (HELOC) works and how to take advantage of it.

Before I read this book, a HELOC agent of Bank of America tried to persuade me to get a HELOC, but she couldn't explain well to me how I could take advantage of HELOC from an investor point of view. The impression she gave to me was I could get bad debt from it and HELOC was not useful to me.

The author did a great job to explain how to take advantage of HELOC. Though I will not pay off my mortgage in 5 years because I have better investment opportunity, I will follow the author's guideline to get a HELOC.

I think every real estate investor should read this book. The content is much better than "pay off your mortgage in 5 years". It is worth the money, my friends in bank don't have the knowledge. For an investor, knowledge is money.

Whether you are a Landlord or a Homeowner, This book is a "Must Read" for anyone who has a mortgage or is considering applying for one. i would encourage every Real Estate Professional to present a copy of Natali and Clayton Morris' Book "How to Pay off your Mortgage in 5 Years" as a gift to each and every one of their clients. Whether you are a Real Estate Professional or are applying for a Mortgage personally this book will save you hundreds of thousands of dollars in "Mortgage Interest" over time. It is well-written by two (2) knowledgeable professionals who practice what they preach. It is a "Must Read" for all those who want to live a "Debt Free" life. Please Buy it today. Your financial future depends on it. Bill Rafter

Expected a professional piece of reading material, received a home-printed pamphlet written at a sixth-grade level. As a new RE investor, I almost went with Morris Invest a few months ago as a turnkey company, but started to feel oddly deceived by my interactions with his crew. Held off on investing with them, but continued to listen to the podcast, and gave the whole Morris operation some more of my time, but after reading this book in half an hour, I think I'm done. For some reason, I thought this book was going to explain some kind of breakthrough method to pay off a mortgage quicker, but unfortunately it doesn't. I recommend spending $12 on an actual book written by professionals- i.e. anything published by BiggerPockets.

From what I can tell -- and someone please correct me if I have misunderstood -- the method works as long as you as always have extra money left over each month to pay down the Heloc balance. And naturally the Heloc interest rate needs to be lower than the the primary mortgage.

That seems fairly simple. But I want to understand, hypothetically say I "find"
an extra $24k over the course of a year (by spending less) why not simply make a large payment on the first mortgage? Or pay an extra $2000 toward the principle every month? And continue to do so until the mortgage is paid off, rather than route the money through the Heloc?

I'm sure there is a logical reason?

Update:
Just reading briefly through the 5 star reviews, none of the first 40 I have read has actually used the method and has paid off their mortgage with this program, but rather how much they like the method and it would be nice to do! How can you give this a 5 star and not even trying out the program or doing any research first?

The book started out interesting, but quickly doing the math and the method makes no sense. Getting a loan with an interest of under 2% does not exist. Checking local credit unions, the interest runs rather at about 5% and more. Furthermore do you take a loan out on your house on equity you worked hard for to pay down. If you lose your job and can’t make the payments, you might go bankrupt because you cannot pay the mortgage and the loan.
Overall a bad method to pay off a house with borrowing more money!

The main strategy introduced in this book is to use HELOC to pay off your mortgage faster. However, if you can save $2000 every month and pay all of them as additional principal for a 30 years fixed rate loan with 4% interest and $200000 total balance, you pay off your loan within 6 year 9 months instead of 30 years. It is not as good as 5 years. However, it saved you a lot of time and energy and potential fees & unexpected high HELOC interests for using HELOC. Banks have so many ways to earn money from you, don’t even think about gaming with banks.

First, I love the straight forward and simplicity of how the author delivers the message. Second, I love how the author doesn't make you feel like they're trying to sell you something, but simply just sharing with you their experiences and mistakes. They aren't bashing or being biased about banks or people, but giving strategies on beating the rat race that most people with mortgages are in. They are giving practical advice that anyone can apply if they have the discipline to have a budget.

I read this in about 20 minutes
Wonderful info, even for somebody that doesn’t know financial terminology
We’re going to deploy this method ASAP, and are so excited.
The step by step at the end of the book is easy to follow and the strategy makes sense!
Thank you so much to this amazing couple that produces so much content for people interested in setting their financial future in order

This book is NO FLUFF, all actionable steps, great easy little read. Clayton and Natlai Morris provide their listeners and readers so much valuable content. If you're not subscribed to their Podcast "Morris Invest" subscribe immediately and change your financial future and start creating legacy wealth!

I am very open on my opinion of homeownership and whether or not your home is an asset or liability. Morris displays how to make your home an actual asset and leverage its value. Well done! Highly recommend this to anyone who owns a home.

I really enjoyed my time reading this book today. The HELOC strategy sounds like an effective one, but i'm still left wondering how it will work with my particular situation. I'm also unclear on how to calculate interest fees for a HELOC. Thank you Natalie and Clayton.

This is a fantastic book. I remember Clayton talking about this strategy on his podcasts.
I want to thank Natali & Clayton for such great content. Definitely will save thousands using this approach.

There are very, very few purchases in life that have a guaranteed return on investment.

As a career businessperson, I can say with full confidence that true ROI is fleeting, at best.

This book, however, pays for itself upon arrival. Inside is invaluable advice from two highly successful professionals that can light the fuse toward financial freedom within the first chapter.

If recent history has shown us anything, it's that is no magical formula to "get rich quick." Thankfully, you won't thumb through a gimmick or superficial shortcut here. Rather, you'll get irrefutable advice on how to regain independence from your financial burdens, and step-by-step, tactical guidance that can be adapted for nearly any life situation.

There's not a whole lot to ponder here. If you're willing to learn, absorb and apply, this book is going to work for you.