Why We Created Club Square
When we looked at the mortgage profession, we noticed something surprising.
Most people take out a mortgage with every intention of paying it off as quickly as possible. Yet, once the loan settles, very few borrowers actively manage it.
Annual repayment increases are forgotten.
Interest rates aren't reviewed.
Mortgage products become outdated.
Years pass without anyone checking whether the loan is still working as well as it could.
The result is that many borrowers simply continue making the same repayments year after year, often paying far more interest than necessary.
We also discovered that the few businesses offering ongoing mortgage management were charging annual fees that, in our opinion, placed the service out of reach for many everyday Australians.
We believed there had to be a better way.
So we created Club Square.
A membership designed around a simple philosophy:
Provide ongoing mortgage management, practical advice and regular reviews at a price that we would happily pay ourselves.
No lock-in contracts.
No expensive annual retainers.
Just honest, ongoing support from people who genuinely want to see you become mortgage free sooner.
Because arranging your mortgage is only the beginning.
Managing it well is where the real savings are made.
What Membership Includes
Mortgage Housekeeping
We review your mortgage after settlement to ensure everything is set up correctly and working as efficiently as possible.
✓ Repayment frequency
✓ Offset optimisation
✓ Redraw review
✓ Cash flow structure
Annual Mortgage Review
Every year we'll review your mortgage to identify opportunities to reduce interest, improve repayments and keep your Mortgage Cost Reduction strategy on track.
✓ Interest rate review
✓ Product review
✓ Mortgage Cost Reduction and Repayment review
✓ Annual MCR update
Mortgage Cost Reduction Strategy™
The strategy that sits at the heart of Club Square.
Built around our proprietary Mortgage Cost Reduction Calculator™, we demonstrate how small, sustainable changes may help reduce interest and shorten the life of your mortgage.
Annual Credit Check and Property Valuation
Each year we'll provide you with a credit check so you can identify any fraudulent activity and obtain an updated property valuation to monitor your equity position and loan-to-value ratio.
✓ Credit file monitoring
✓ Fraud detection
✓ Annual property valuation
✓ Equity & LVR review
Ongoing Support
Need advice before renovating?
Thinking about buying an investment property?
Wondering whether to fix your interest rate?
Your membership gives you someone to call before making important financial decisions.
Why Clients Join
People join Club Square because they want...
• Someone they can call before making financial decisions.
• A mortgage that's reviewed regularly.
• Strategies to reduce interest over time.
• Ongoing lending support.
• Better long-term outcomes—not just a cheaper interest rate.
Membership Pays For Itself
A single conversation about:
-
repayment frequency
-
offset strategy
-
refinancing
-
purchasing another property
-
lender policy
could potentially save thousands of dollars over the life of a mortgage.
That's why Club Square isn't an expense.
It's an investment in making better lending decisions.
The Square Peg Difference
The Square Peg Difference
Most mortgage brokers finish at settlement, which is where we're just getting started.
Club Square Starts There
Join The Square
Your mortgage will probably be with you for decades.
Wouldn't it make sense to have someone helping you manage it?
Become a Club Square Member