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How to Own Your Home Years Sooner &

Save Tens of $1,000’s in Interest

Speed Equity® In The News


Listen to this Podcast on Mortgage Acceleration

Learn How to Own Your Home Years Sooner


What you will learn in this class ... click here

1.  THE KEY BANKING PRINCIPLE Harj discovered in 1995 on how interest is calculated & charged on traditional mortgages … and based on this Key Banking Principle …

2.   WHY your traditional mortgage will take so long to payoff … more importantly, I will describe …

3.   HOW you can use this knowledge to your advantage to slash years off your home loan & save yourself tens to hundreds of $1000s in interest … I will also explain step-by-step …

4.   HOW TO CREATE your own mortgage acceleration plan WITHOUT having to pay up to $5,000 to buy imitaton software programs. I will also …

5.  ANSWER FAQs about the Mortgage Acceleration concept. As a bonus, I will expose …

6.   HOW you can use the bank’s money to reduce the interest on your mortgage at absolutely $0 cost to you.And finally …

7.   HOW you can qualify for a FREE 1-on1 Coaching session with Harj to create your Speed Equity® Plan ($495 value).

YES! Please send link for FREE Mortgage Acceleration Class to:

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Based on the International Bestseller

“… shows how to cut the term of your home loan SIGNIFICANTLY.”

-Personal Investment Magazine-

by Leading Financial Experts


" . . . it's a BRILLIANT System."

- NBC's "Saving You Money" - 


" . . . shows how you can cut the term of your home loan SIGNIFICANTLY."

- Personal Investment Magazine -


"Gives us HOPE that we can achieve freedom from our mortgage BEFORE a ripe old age."

- Your Mortgage Magazine -


"Save thousands on your home loan."

- The Australian Woman's Weekly [personal finance] -


" . . . shows you step-by-step how you can Own Your Home Years Sooner."

- Perth Woman Magazine [money] -


" With this book . . . you'll soon discover ... how you get ahead sooner."

- HSBC Bank Australia -


" . . . an EXCELLENT SUMMARY and detailed analysis of methods by which mortgages can be effectively eliminated."

- WA Business News -


"Strategies for saving a bundle on home loans."

- The Melbourne Age -


"It's like having your money do aerobics."

- Mortgage Know How Magazine -



"SAVE a bundle on your home loan."

- The Sunday Times -

Results People Are Achieving

Using the Speed Equity® Mortgage Acceleration System



NOTE: These are AVERAGE savings. Individual results will vary and are not guaranteed.

CLIENT SAVED = 22-years + $80,000 ... READ NOW

I first came across the concept of mortgage acceleration payoff on YouTube through a series of videos from ReplaceYourMortgage.com. The video’s prompted me to research the strategy more thoroughly to verify its legitimacy. It turns out that there are dozens of companies marketing this strategy.

“After researching this acceleration payoff strategy on several blogs and forums, I found individual testimonies of how it truly worked for them. So I was determined to learn the strategy for myself. The problem that I ran into though was the ridiculous amount of money some of these companies wanted for their services. In the ballpark of $4,000 to $5,000!

“I almost paid $4,000 to ReplaceYourMortgage.com… that was until I came across a YouTube video of the Speed Equity System created by Harj Gill ( https://www.youtube.com/watch?v=0sm-MFuciBw ). Mr. Gill gives a brief presentation explaining how to use his Speed Equity System to take advantage of the key banking principle he discovered. I learned that Mr. Gill brought this mortgage acceleration payoff strategy from Australia to the United States in the late 90’s. I didn’t understand what the key banking principle was so I decided to purchase his book, How to Own Your Home Years Sooner & Retire Debt Free (U.S. Edition).

Book Review:

“I devoured the book in three days! Mr. Gill is an educator and it clearly show’s throughout his book. He ensures that the most important principles are explained in a way that you won’t forget. One example is The Key Banking Principle: “The interest on your mortgage is calculated on the DAILY OUTSTANDING BALANCE and charged at the end of the month (called monthly in arrears).” He does an excellent job at helping you understand what The Key Banking Principle is and how you can use it to your advantage.

“He also exposes a lot of myths and bad information circulating about money and mortgages. One example is the misunderstanding that it is advantageous for you to NOT payoff your mortgage because of the tax deduction on the interest. WRONG! Mr. Gill plainly presents in his book how this line of thinking is false and that NOT having a mortgage frees up a substantial amount of your disposable income each year.

“Mr. Gill’s book also exposes the problems of how we have been taught to pay down our homes and offers a fantastic solution. With the knowledge in this book combined with the power of the Speed Equity Software, you will be amazed at how much time and interest you can save with your mortgage by using it yourself.

Speed Equity Software Review:

“So how do I know that we are on track to saving around 22 years and $80,000 in interest on our mortgage? The answer is the Speed Equity Software.

“The software is designed in such a way that if you thoroughly go through your finances and enter your income, debt, and expense information, you are able to see what your potential time and interest savings can be. It is powerful because it gives you a target to aim at. I have heard and believe that “If you aim at nothing, you will hit it every time.” This software gives you the mortgage payoff target to aim at!

“You can also input “What If” scenarios such as buying a car or going on a vacation to see how that cost would affect your time and interest savings on your mortgage. That means you can plan your spending and get instant feedback on what the future cost would be.

“It also calculates the optimal amount of money to inject into your mortgage from your HELOC to maximize your time and interest savings. People like myself who have chosen to use a HELOC in the second lien position use this calculation. As opposed to refinancing a perfectly good fixed rate mortgage into a first lien HELOC costing thousands.

“You must read the book to understand the information and strategy behind the above information.

“I also highly suggest that you start a monthly spending plan (budget) if you haven’t already and keep it up every month. It will help you tremendously if you know where your money is going and if you are cash flow positive or negative. I use Google Sheets, which has free budgeting templates that work well in Google Drive.

WARNING: If you are CASH FLOW NEGATIVE this strategy WILL NOT WORK for you. You need to know if you are making more money than you spend each month.


“Why waste THOUSANDS of your hard earned dollars on imitators that take advantage of your lack of knowledge? When you can get it from the pioneer of accelerated mortgage payoff for a FRACTION of the cost! I ended up paying $10 for the Kindle version of this book and $499 for a 15-year subscription to the software. That’s a savings of nearly $3,500 had I gone ahead and signed up with the previously mention company.

“I highly recommend How to Own Your Home Years Sooner and Retire Debt Free (U.S. Edition) and the Speed Equity Software to anyone seeking freedom from the weight of a 30-year mortgage. The banking industry doesn’t want you to know the information in this book because it leaves money in YOUR pocket as opposed to THEIRS.

“The rich rule over the poor, and the borrower is slave to the lender.
– Proverbs 22:7

– Joshua R. Cunningham (USA) –

CLIENT SAVED = 18-years + $108,344 ... READ NOW

I am saving $108,344.14 and paying off my home 18-years earlier than the original 30-year loan.

“I was so close to buying into one of the $3,500.00 copycat systems out there … I had put down the $500 deposit and was being asked for my credit card number a few days later to get started, when I asked, “Is there a money back guarantee?” The quiet but very firm “NO!” answer stopped me in my tracks. I realized I had to look around to see if there were other alternatives out there for my own piece of mind.

“I work as an Investigator for the California Department of Consumer Affairs and give this type of advice on a daily basis… “always get other estimates, know your alternatives and choices.” I started checking around the Internet. Through a discussion forum I saw Harj’s program mentioned and went to the web site. It was a blessing from heaven.

“With Harj’s fair price on this system and Webinars to help, I thought it’s worth a try to save over $3,000.00, and if it’s not the same thing I can always go back and pay the $3,500.00. Luckily I was able to get that $500 copycat deposit back and happily tried Harj’s system. To my delight, I was the one controlling the program and inputting the data.

“I am able to get very specific and make changes when needed. I have spent hours playing with the numbers in the Speed Equity System and have found it to be incredibly accurate. I will have my home paid off in 4 years and 8 months and will be debt free!!! I really enjoy the ability to adjust my spending habits and see immediate results. I am now thrilled in doing my budgeting and seeing my savings reflected in reduced time and interest savings on my loan.

“Thanks Harj for your fairness, honesty and ingenious program!

– V. Williams (California – USA) –

CLIENT SAVED = 23-yrs. 8-months + $130,000 ... READ NOW

First, let me make it clear that I am not in any way associated with the author of this great book, other than the fact that I purchased his book and am a customer of his inexpensive software system.

“I am a normal guy who stumbled across this book while searching for the most effective way to get out of debt without having to live a totally ascetic life. I’ve used the “snowball” system to small success, but life gets in the way. I have looked at “similar” systems but was put off by the large cost associated with them (usually about 7 times greater).

“Then is dawned on me that everyone keeps referring to the fact that this system started in Australia in the late 90s.

“Bingo! This is the man who started this very successful concept! Why not learn from the best, the originator?

Life is a series of choices.
“The program that you learn about in this book enables you to see the wisdom of one choice over the other, i.e., the impact of any size expenditure on the length of time before your home is paid for. It is actually FUN to see the debts go down and to see the achievement of the goal of being mortgage free far sooner than you ever thought possible.

“In fact, it is so good that it seems like a fairy tale. The difference is (unlike Hansel and Gretel) you are given “breadcrumbs” that don’t go away, that guide you back to your home and before you know it, that home you have been guided to by the software is paid in full…you own it free and clear! In my own case I am well on my way to paying off my 30 year mortgage in 6 years and 4 months, saving nearly $130,000 in interest costs.

“This book is truly an education in and of itself, but I personally believe that success can come only through the simple, reasonable additional step of getting and applying the easy to use software.

“The author provides a friendly, personal one-on-one after you have completed your inputs to make sure you see all the benefits. Without the software, it is somewhat akin to buying a car manual and understanding all the benefits of that car, but then being unable to get from point A to point B because you bought only the manual, not the car.

“Believe me, this software that you totally control will get you from where you are to where you want to be, i.e., owning a debt free home with its consequent freedom. I am a believer because it is working for me.!

– Jim Anderson (California – USA) –

CLIENT SAVED = 20-yrs. 10-months + $85,062 ... READ NOW

First of all, I want to thank Harj Gill for having a heart for people and wanting to see them debt free and enjoying life.

“Secondly, I want to thank Harj for writing this book and developing the Speed Equity mortgage acceleration system that has changed my wife’s and my life for the better! My wife and I can now sit down and discuss our finances as a family and enjoy seeing what your system is doing to eliminate our debt, help us to own our home years sooner and actually retire debt free and money to live on!!

“I have to admit, I was skeptical at first, but then I began to do some research and watch tons of YouTube videos.

“After much seeking, praying and wanting to better my family’s life and legacy, I decided to give Mr. Gill’s system a try. There are numerous other systems out there, some costing thousands of dollars, but Mr. Gill’s system beats them all, especially when it comes to pricing. The bottom line is to be mortgage and debt free, regardless of the system. But why pay thousands of dollars for a copycat system when you can have the true system, proven to work, for much less!

“My wife and I have been clients of the Speed Equity System for about a year now. The only regret we have is that we didn’t find out about the system sooner! Whether you’re in the market to purchase property, or you currently have a mortgage, do yourself a favor and read this book. It’ll be one of the best decisions you’ll ever make. We all work hard for our money, it’s such a great feeling every month when we see that money is finally working hard for us! Thank you so much Harj!

“One significant example in the book is The Key Banking Principle: “The interest on your mortgage is calculated on the DAILY OUTSTANDING BALANCE and charged at the end of the month (called monthly in arrears).” He does an excellent job at helping you understand what The Key Banking Principle is and how you can use it to your advantage.

“Don’t just get the book, skim the first and last chapter like we did in high school for a book report, but truly read the book from cover to cover, more than once, I sure did! When you understand what Harj is teaching, you can better apply the principles of the banking system and see your debt being eliminated faster than you ever thought or dreamed possible.

“We will be debt free in about 10-years and 1-month, thanks to Harj Gill’s mortgage acceleration system! Even with inputting two future vehicle purchases and some wonderful investments, we are on our way to debt FREEDOM in 10 YEARS!!!!

“I could go on and on, but I want you to get the book, read it, apply the principles and the process described therein, and watch your debt dissipate right before your very eyes.

“You won’t regret your decision and I firmly believe the only regret you will have is that you didn’t discover this system sooner. Again, get the book, happy reading and I will see you in the land of home ownership and not the chains of a mortgage prison!!

Lorenzo Mariner, Augusta, GA!

CLIENT SAVED = 14-yrs. 9-months + $127,000 ... READ NOW

My wife and I always wanted to pay off our mortgage early, but never really knew the best way to do it. This system puts all the pieces of the puzzle together in a simple, yet powerful way.

“We can hardly believe it!

“The Speed Equity System is going to cut 14 years 9 months off our mortgage and save us over $127,500 in interest – without us making any significant changes to our lifestyle! This has allowed us to plan the vacations we always wanted, but never thought we could afford.

“Another bonus is that in the past, my wife and I didn’t really work together on our finances. Now we feel like we are a team and finally getting somewhere when we check the results together every month with the software program that comes with the system.

“Incidentally, a little tweaking of our plan with the help of our coach and the software has allowed us to save even more interest. We feel the lessons we’ve learned from this system will allow us to succeed financially for the rest of our lives.

“Our hats are off to this great program!

– B. Gibson (Washington – USA) –

CLIENT SAVED = 26-yrs. 4-months + $86,067 ... READ NOW

When our coach first described the system to us, we were skeptical and did not believe the system would work. I kept hearing my 10th grade Latin teacher saying, ’caveat emptor, which means, ”Let the buyer beware”.

“Our coach, showed us a print out with our $90,000 home loan with a fixed interest rate of 5.625% that would take 30 years and cost $186,513 to pay the conventional way. For this $90,000 loan, we would end up paying $96,513 just in interest payments!

“Then she showed us a print out of our plan using the system. We were still skeptical but felt we had nothing to lose by trying it.

“Without changing our spending habits, our income, or our budget in any way, we are now on schedule to have our $90,000 loan paid off in 3 years and 8 months by using this system. We are also on track to save $86,067.62 in interest payments.

“The best news for us has been my ability to cut back to a half time position at work, allowing me more time to shop, cook, and take care of our home. Without the stress, I’ve found that I actually enjoy most of these tasks. I cannot describe the giddy feeling my husband and I have month after month, as we sit at our computer and watch the results of our plan.

“What’s the catch?

“You must be willing to take charge of your finances. That’s the catch. The only catch. I recommend this program without reservation!!

– H. Berchet (Washington – USA) –

CLIENT SAVED = 4-yrs. 4-months + $12,016 ... READ NOW

When my husband and I first came across this program in January 2005, we had $108,659.00 and 11 years 7 months left on our mortgage, and $31,954.25 in outstanding car loans and credit cards. This brought our total debt load to $140,613.25.

“Two days before we saw the presentation, we had signed papers to refinance our house so we could pull out cash to remodel our kitchen. This would have brought our home loan balance to $150,220.00 and extended the time on the loan back out to 15 years with the total debt load then being $182,174.25.

“The day after we heard the presentation we cancelled the refinance papers.

“In February of 2005 we took the Speed Equity training and started our plan. With our new tools we learned that if we followed our Speed Equity plan we would save 4 years 4 months and $12,016.25 in interest. Also, all of our credit cards and auto loans would be paid off with this plan as well. But, that’s not what we did!

“We still wanted to do our kitchen remodel. So, we used the software program to figure out what this would do to our plan and what it would cost us in terms of time and interest.

“Our new plan included what we thought the cost of our kitchen remodel would be. The results…we would still save 3 years 8 months and $5166.68 in interest off of our original home loan. The best part is that all of our other debts would also be paid off and we would have a new kitchen….with new appliances that work!

“It’s now a year later, January 2006. Our kitchen is done with new everything.

“Currently we are slightly ahead of projections even though the remodel cost $6,000.00 more than the estimate. This program has given us hope where we didn’t have hope before in our financial life. It has helped us take control of our finances instead of our debt controlling us and we know we will be debt free in the time projected in our plan.

“At a personal level, a huge amount of stress has been eliminated from our lives. This has also made a huge difference in our relationship with each other. For the first time my husband and I are on the same page. The Speed Equity System has really changed our lives for the better.

“We believe in this program so much we tell everyone about it.

– A. Thomason (Washington – USA) –

Is Owning Your Home Years Sooner & Saving Tens of $1,000’s In Interest Worth It To You?


Mortgage Acceleration Kit - 1

  • 12-month access to the online Speed Equity® Mortgage Acceleration Software … plus …
  • 1x copy of Harj Gill’s International Bestseller; “How to Own Your Home Years Sooner – WITHOUT Making Extra Interest Payments.”

Mortgage Acceleration Kit - 2

  • 10-year access to the online Speed Equity® Mortgage Acceleration Software … plus …
  • 1x copy of Harj Gill’s International Bestseller; “How to Own Your Home Years Sooner – WITHOUT Making Extra Interest Payments.”
  • Personal 1-on-1 Coaching with Harj … to create your Speed Equity® Plan ($495 value)

System Requirements: The Speed Equity® Mortgage Acceleration Software program is an ONLINE software program so no disks will be mailed to you. The software is available to you for the duration of your subscription and is compatible with every operating system including, ALL Windows versions, Mac OS & Mac OSX, as well as Unix. All you need is a computer with internet access and you will be able to access your Speed Equity® Software account from anywhere in the world 24-hours a day, 7-days a week, 365-days a year for the duration of your subscription period. Furthermore you DO NOT have to input any identifiable data such as account numbers, addresses, etc. into the software program to use it.