Should You Pay Off Your Home Loan Early or Invest? (Aussie Edition)

In this video, I'll discuss the pros and cons of paying off your home loan (mortgage) early by making extra repayments or investing into assets like stocks and show you their historical performance in Australia over the past 30 years to help you make an informed decision. -------------------------------------------------------------------------------------------------------------------- 📩 Sign up to my free email newsletter! https://aussiemoneyclub.beehiiv.com/subscribe 🏠 Buying your first home or refinancing? I recommend Alcove mortgage brokers to get you a better deal. Book a free meeting: https://bit.ly/4rcFsVb 🔗 Links to calculators used in the video: https://moneysmart.gov.au/budgeting/compound-interest-calculator https://www.macquarie.com.au/home-loans/home-loan-calculators/extra-repayments-calculator.html https://www.calculator.net/amortization-calculator.html https://www.calculator.net/mortgage-payoff-calculator.html 🎁🎁🎁 Free Sign Up Bonuses 🎁🎁🎁 ✅ Special Link: https://j.moomoo.com/00A1xQ 💰 Use Moomoo App (chess sponsored) to buy Shares/ETFs instead to begin your investing journey today and receive these free bonuses: 1. Get Up To 38 FREE Shares. 2. Free Brokerage Fees for 30 days. 3. Auto Invest Function. 4. Premium Research Tools & Learning Guides. ✅ Use this link to sign up: https://j.moomoo.com/00A1xQ 💰 ING: Get $100 FREE if you sign up using this link & follow the steps: https://bit.ly/4qakqXh 💰 Ubank: Get $30 FREE if you sign up with my code & make 5 small purchases: https://bit.ly/4hgoa4c or Use Code: MDPYUAG 🎬 MORE USEFUL VIDEOS! 🎬 ► How To Invest in Australia with $500: https://youtu.be/KbRaDmAjSEY ► How To Pay Off Mortgage FASTER: https://youtu.be/NXO3QYmYH0k ► My Investing Plan for 2025: https://youtu.be/vtsNjFSHe2k ► How To Invest in ETFs in Australia: https://youtu.be/w3PRA2czQJY ► Top 12 Vanguard ETFs: https://youtu.be/Xg8qykyFfdo ► Simple 2 Fund Stock Portfolio: https://youtu.be/TME3WtFwN7c 🎁💰🎁 GRAB SOME FREEBIES! 🎁💰🎁 📈 Investing Apps that I use: ► Moomoo: Get Up To 38 FREE shares & Auto Invest: https://bit.ly/3PgUN6E ► Tiger Brokers: Get $50 USD FREE Tesla shares:https://bit.ly/3RqBPLI ► Stake: Get $10 FREE credit & a FREE stock (worth up to $150): https://bit.ly/3L13UGm or Use Code: bryanl728 ► Webull: Get Free Trading Vouchers up to $200: https://bit.ly/4fKdpWU ► Raiz: Get $5 FREE when you sign up: https://bit.ly/3KYJGgr or Use Code: W3CG4J ► Independent Reserve: Get $25 of Free Bitcoin (No deposit required)): https://bit.ly/4cSicE4 ► Bitcoin.com.au: Get $30 of Free Bitcoin (No deposit required)): https://bit.ly/3B0RnQM ► CoinSpot: Get $20 of Free Bitcoin (BTC): https://bit.ly/3Ed2XXJ 🏦 Banks & Finance Apps that I use: ► ING: Get $100 FREE if you sign up: https://bit.ly/4qakqXh ► Ubank: Get $30 FREE if you sign up with my code & make 5 small purchases: https://bit.ly/4hgoa4c Use Code: MDPYUAG ► Up Bank: Get $10 FREE if you sign up: https://bit.ly/4gC4oQV ► Xero: Use this link for a big discount: https://bit.ly/3YxbL4b ► Sharesight: Get 4 Months Free Using This Link: https://bit.ly/46ajSHu ► Navexa: Get 20% off if you use this link https://bit.ly/3RLOI2X or code: bryaninvest ► TopCashback: Get $20 Bonus: https://bit.ly/492Kwp3 ► ShopBack: Get $20 : https://bit.ly/4qaAbxk * Some links above may be affiliate or referral links. It doesn't cost you any extra to use them but it does help support my channel. Thank you! ☺️ ----------------------------------------------------------- 👇 Connect With Me 👇 🎬 My YouTube: https://www.youtube.com/@UC6_HYRP3E1KpJVg3ra7p3gQ 📩 My Free Email Newsletter: https://aussiemoneyclub.com.au/subscribe 📸 My Instagram: https://www.instagram.com/bryaninvest 📷 My 2nd Instagram: https://www.instagram.com/aussiemoneyclub/ 👨🏻‍💻 My Website: https://bryaninvest.com.au/ 📧 My Email: bryaninvestbusiness@gmail.com ----------------------------------------------------------- 🚨 Disclaimer: The content on this YouTube channel is meant for general information and education only, not as financial, investment, legal, or other professional advice. It represents personal opinions and experiences, not professional advice. While we aim for accuracy, we cannot guarantee it. Markets and conditions change quickly, and past performance doesn't predict future results. All investments carry risks so assess your tolerance carefully. Don't rely solely on these videos for decisions. We're not liable for losses from using this information. By watching, you accept these terms and take responsibility for your financial choices. ----------------------------------------------------------- #mortgage #investing #homeloan ⏰ TIMESTAMPS 0:00 - Intro 0:16 - How a Home Loan Works in Australia 1:29 - Historical Past 30 Years Performance 2:28 - Worked Example 4:32 - Pros Of Paying Off Your Home Loan Early 6:34 - Advantages of Investing Instead 8:58 - Risks and Trade Offs 11:38 - Some Important Variables 13:38 - A Balanced Approach 14:44 - Conclusion – Which is better?