An educational resource on an alternative mortgage repayment strategy that could potentially save homeowners thousands in interest and years of payments.
This website provides general information about velocity banking for educational purposes only. The content presented is not financial advice and should not be construed as such. The examples, calculations, and illustrations are hypothetical and may not represent actual outcomes.
Always consult with qualified financial professionals regarding your specific situation before making any financial decisions.
Follow the journey of Mark and Sarah Smith who used velocity banking principles to eliminate their mortgage decades ahead of schedule. Learn exactly how they deposited their entire income into their HELOC and only withdrew what they needed for expenses, creating a powerful monthly surplus that accelerated their mortgage payoff.
Read Their StoryVelocity banking is a mortgage acceleration strategy that uses a Home Equity Line of Credit (HELOC) or similar financial tool to make large lump-sum payments to your mortgage principal, potentially reducing the time to pay off your mortgage and saving thousands in interest payments.
Originally gaining popularity in the United States, this concept is now being explored by homeowners in the UK looking for alternative approaches to traditional mortgage repayment.
Unlike the traditional approach of making monthly mortgage payments over 25-30 years, velocity banking aims to:
New to velocity banking? Our beginner's guide explains the core concepts in simple terms with easy-to-understand examples.
Get StartedA balanced analysis of the advantages and potential drawbacks of velocity banking for UK homeowners.
Learn MoreDiscover the mathematical principles behind velocity banking and why it's a legitimate strategy when properly implemented.
Get the FactsExplore how velocity banking concepts might apply in the UK mortgage market and what products could be utilized.
UK PerspectiveSee a detailed breakdown of how a couple could implement velocity banking using a structured six-month cycle approach.
See the StrategyWe're developing an educational calculator tool that will allow you to see how the velocity banking concept might work with different numbers. This tool will be for illustrative purposes only.