Greg Carroll More Than Accountants

08/06/2026

Here’s where it can cost you

03/06/2026

31/05/2026

Most homeowners think the way to get ahead on their home loan is by making extra repayments. And look, there's no doubt that can definitely help. But after helping homeowners for over 20 years, what I've noticed is a lot of people are actually trying really hard, but it's actually the structure they've got underneath them that's actually working against them. See link in the comments.

29/05/2026

Here's why this type of property is working for a lot of our clients right now.

Because for a lot of investors the approach has become:

High leverage.

High outlay.

Hope and pray growth turns up.

Post-budget, a lot of these more traditional approaches are now looking more like $500–600 a week out of your pocket.

That's over $26,000+ a year leaving the household budget.

And hoping growth eventually pays you back.

The problem is investment isn't this separate thing that sits over there on its own.

It's directly connected to your mortgage.

Your cashflow.

Your lifestyle.

Yet the way a lot of people talk about investing, you'd think it exists in isolation.

That's why our starting point with clients is usually:

Let's get our own house in order first.

Let's look at the home loan.

Where money is going.

How the structure is working.

Get that running efficiently first.

Then when it comes time to invest, let's choose something that supports the plan instead of working against it.

Growth location.

Strong employment.

Infrastructure.

But equally, a lot more manageable to hold.

Because the goal isn't to sit there sweating on growth showing up tomorrow after committing to something draining $26,000+ a year from the household budget.

I put together a short video breaking down how this type of thinking is changing the way we look at property investing moving forward.

Link in the comments below.

28/05/2026

One thing I’ve noticed after helping homeowners for over 20 years:

Most people focus on increasing their repayments.
And sure... that can help.

But often the bigger opportunity is much simpler.

Because what most people do is:
Salary → transaction account → bills → spending → savings

And then whatever’s left over gets paid into the mortgage.

Nothing wrong with that.
People are trying to be disciplined.

But here's the thing:
Home loan interest is calculated daily.

So where your money lands starts mattering from day one.

There's one small change that can potentially make your money work harder without increasing repayments.

And no... it's not an offset account.

Check out the link in the comments below

22/05/2026

Most people think the way to get ahead on their home loan is pretty simple:
Get a lower interest rate.
Or throw extra money into the mortgage.
And look — both of those things can definitely help.
But if that’s all you're focusing on…
you may not be getting the full story.
Because what a lot of homeowners miss is it’s not just about rates or extra repayments.
It’s how things are structured as well.
And making changes there can potentially create some pretty significant differences over time.
In fact, with the right structure in place, it can even be possible to have a slightly higher interest rate and still pay off your home sooner than some of the approaches people are typically told to follow.
Sounds backwards.
But that’s exactly why financially responsible homeowners often end up feeling stuck.
They’re doing all the right things:
• paying extra into the loan
• working hard
• earning decent money
• trying to get ahead
…but still quietly wondering:
“Shouldn’t we be further ahead than this?”
That’s part of the reason we created The Home Loan Accelerator Cheat Sheet.
A simple guide showing the structure we use to help clients:
• reduce financial drift
• create more momentum financially
• and simplify the way money flows
You can grab a copy here https://www.getdrip.com/forms/648521116/submissions/new

21/05/2026

Most people think the way to get ahead on their home loan is pretty simple:

Get a lower interest rate.

Or throw extra money into the mortgage.

And look — both of those things can definitely help.

But if that’s all you're focusing on…

you may not be getting the full story.

Because what a lot of homeowners miss is it’s not just about rates or extra repayments.

It’s how things are structured as well.

And making changes there can potentially create some pretty significant differences over time.

In fact, with the right structure in place, it can even be possible to have a slightly higher interest rate and still pay off your home sooner than some of the approaches people are typically told to follow.

Sounds backwards.

But that’s exactly why financially responsible homeowners often end up feeling stuck.

They’re doing all the right things:

• paying extra into the loan
• working hard
• earning decent money
• trying to get ahead

…but still quietly wondering:

“Shouldn’t we be further ahead than this?”

That’s part of the reason we created The Home Loan Accelerator Cheat Sheet.

A simple guide showing the structure we use to help clients:

• reduce financial drift
• create more momentum financially
• and simplify the way money flows

You can grab a copy here https://www.getdrip.com/forms/648521116/submissions/new

15/05/2026

Most people think the way to get ahead on their home loan is to try and get a lower interest rate or pay extra into the loan.

Look, both of those things can definitely help, but if you're only focusing on those, then you're not getting the full story.

Because what a lot of homeowners miss is it's not just about rates or extra repayments, it's how you structure things as well, and making changes there can actually make some substantial differences.

In fact, with the right structure in place, it's possible to even have a slightly higher interest rate and still pay off your home loan faster than using some of the approaches that we're typically told to follow.

So I wanted to walk you through a comparison between some of the approaches we're typically told to take and some of the things that you could potentially take on that might actually help you pay off your home loan a lot sooner.

14/05/2026

This is the type of property story I think more investors need to understand.

Not because it’s flashy.

Because it’s manageable.

A lot of property strategies basically ask you to throw $400–$500 a week into an investment and hope growth bails you out later.

That might work.

But it also puts a lot of pressure on the household cashflow.

And once you start looking at property through that lens…

you can’t really unsee it anymore.

The example I was looking at this week was a registered dual income property with an estimated holding cost of around $111/week.

That changes the conversation.

Because instead of pumping a fistful of dollars into the property every week and hoping for a payoff later…

you may still be able to keep focusing on reducing the home loan while the investment quietly does its job in the background.

That’s where this style of investing can become powerful.

Two income streams.
Lower weekly drag.
More breathing room.
More options.

And if the market performs strongly over time?

Great.

Maybe there are options down the track.

But the key point is this:

the whole strategy doesn’t rely on one perfect outcome just to survive.

And when you combine that with a smarter home loan structure as well…

that’s where things can really start to build momentum.

Not because you’re trying to “beat the system”…

but because all the moving parts are finally working together:
• cashflow
• tax effectiveness
• growth potential
• loan structure
• and long-term holdability

You’ve got all 8 cylinders working together instead of just relying on one.

To me that sounds a lot less stressful than trying to force one property to solve everything.

Here’s where I share the details:
https://www.getdrip.com/forms/607404624/submissions/new