(206) 774-3673

Meet The Inventor


Harj Gill (M.Ed)

International Mortgage Reduction Expert

Bestselling Author of, “How to Own Your Home Years Sooner – WITHOUT making extra interest payments”.

Harj Gill is an International Mortgage Reduction Expert & Bestselling Author of, “How to Own Your Home Years Sooner – WITHOUT making extra interest payments”. He is also the CEO of Speed Equity® LLC.

Academically, Mr. Gill is trained as a research analyst and organizational consultant.

He has a Bachelor of Science degree from the University of Western Australia as well as a Postgraduate Diploma in Science and a Masters Degree in Organizational Planning & Change.

Since 1995 Harj has dedicated his life to educating home loan borrowers about a revolutionary mortgage acceleration strategy he invented, called the Speed Equity® System.

Harj is also Certified as a continuing education instructor for real estate agents with the  WASHINGTON State Department of Licensing (WADOL) (Instructor ID#: 13851) as well as being a certified Administrator of the Speed Equity® School of Real Estate (School ID# S1705).

His “Mortgage Acceleration” Clock Hour Course (ID: C7037) is the only one of its kind in the country to receive formal approval from a licensed body and is available to real estate agents in WASHINGTON State … with his book being used as a reference for it.

Read personal message from Harj ... click here to expand

Hello, my name is Harj Gill and I am the inventor of the Speed Equity® Mortgage Acceleration System.

Please allow me to share with you a little background about myself, and the humble beginnings of this revolutionary concept.

It’s especially important for you to know that bankers and lenders don’t like me!

They don’t like me because I teach ordinary people, families just like yours, how to take full mathematical advantage of a little known Key Banking Principle that lenders DON’T want you to know about.

A SECRET so powerful that it can help you slash years off your home loan and save you tens to hundreds of thousands of dollars in interest.

Next, I am an educator, NOT a banker, loan officer or mortgage broker. In fact, I HAVE NEVER originated a mortgage in my life.

However, what I have done since I created this System, way back in 1995, is to educate and empower over half a million homeowners, in eight different countries, to Own Their Homes Years Sooner.

How it all started

I have always had a curious nature and a strong desire to understand the world around me from a clinical, logical, and practical perspective.

Therefore, it was only natural that I gravitated to the hard sciences and graduated from the University of Western Australia with a Bachelor of Science Degree and a Postgraduate Diploma in Science.

I then went on to get a Masters Degree specializing in an area called “Organizational Planning and Change”. The latter qualification gave me the perfect foundation to put my curiosity and analytical mind to full use.

In essence, I am academically trained as a research analyst.

My specialty is to collect and evaluate seemingly unrelated statistical data from the broader contextual environment and present research-driven findings to corporate executives.

My real talent lies in packaging that information in the form of emerging trends along with recommendations and strategies to help make a company more profitable.

In other words, I’m a numbers nerd.

In fact, I love numbers so much that I was at the top of my statistics class at University.

In 1995, while working as an organizational consultant, I came across a little known Key Banking Principle that governs how interest on a mortgage is calculated and charged.

When I applied my academic research skills to this subject, I quickly grasped that I could use this information to help ordinary home loan borrowers take full mathematical advantage of this Key Banking Principle.

And if they followed my instructions, they could literally slash years off their home loans and save tens of $1,000’s in interest.

This discovery forced me to make a conscious decision to leave the world of organizational consulting.

I realized that instead of helping faceless corporations make more profit, I could use this newfound knowledge to make a huge difference in the lives of real people.

So, I decided to develop the Speed Equity® Mortgage Acceleration System.

This System was, and still is, considered revolutionary because it shows borrowers how to significantly reduce the interest cost on their mortgage simply by using their existing financial resources.

That’s right!

It’s not about working harder, but working SMARTER with the money you already have right now.

NOTE: This is NOT a bi-weekly payment method!

As I started teaching people how to use this System, I soon found that it was completely transforming their lives.

I witnessed firsthand, as people felt the burden of a 30-year mortgage being lifted, that their thinking began to change as well.

I saw them get giddily excited about the very tangible prospect of Owning Their Homes Years Sooner than they had ever expected.

For many, it was the first time they had ever taken complete control of their financial future.

And for the first time, they knew exactly WHAT they needed to do, HOW they were going to do it, and EXACTLY where they should be each step of the way.

As a result, they started to dream about making new plans for their future.

They began to live the life THEY WANTED rather than living the life they thought they had to live because they were enslaved by their mortgage payments.

In 1995, I was working as a “mortgage reduction specialist” and charging $3,500 because I had to do all the calculations by hand and then personally coach people. I justified that price because of how labor intensive it was.

Toward the end of 1995, I was forced to make another conscious decision. This time by a young couple that were referred to me by their friends who were using my System.

I distinctly remember, to this day, how excited they were as they sat across my table to learn how much time and interest they could save by using Speed Equity®.

Their delight soon turned to despair as I told them about my $3,500 consulting fee to implement my findings.

They said to me; “Harj, we really want to do this program BUT we simply can’t afford $3,500 right now.”

That made me feel absolutely terrible because I created this System to help families get out of debt and here were two gentle Souls that wanted to use it but the price was a hindrance.

That was also a moment of awakening from me.

I realized that the only difference between me and all the people I had coached was that I had this knowledge and they didn’t.

As a result, I decided that I would package everything I had into a Do-It-Yourself System and make it affordable for everyone.

And that’s what I’ve dedicated my life to doing for the past 20+ years.

In my book and case studies, I am going to introduce you to some of these people that all started where you are today.

None of them are famous or overly wealthy.

They are just ordinary people who no longer wanted to be enslaved by a 30-year mortgage sentence and made the simple decision to break free.

I want to conclude this personal message  by saying that I feel extremely fortunate to do something I feel so passionately about and … to have had the privilege of reaching out to and making a positive difference in the lives of so many people.

To that end, I am deeply honored that you are taking the time to be on my website today and my desire is to make a huge difference in your life as well.

Now, let’s begin the journey of helping you Own Your Home Years Sooner AND Saving Tens of $1,000’s in Interest as well, shall we?

“Make it a must that whenever you hear about something,
read, or research something you think has value for your Life,
DON’T let it become just knowledge.
Convert it into action.
For it is through our actions that our destiny is shaped.”

– Anthony Robbins –