The Founder

Background

Hello. My name is Harj Gill and I am the original creator and pioneer of the Speed Equity® System.

Let me take a moment to share with you a little background about myself so you have a better understanding about why and how I created this revolutionary mortgage acceleration program.

I have always had a curious nature and a strong desire to understand the world around me. So it was only logical that I gravitated to the Faculty of Science at the University of Western Australia where I graduated with a Bachelor of Science Degree and a Postgraduate Diploma in Science. I then enrolled for and received a Masters Degree in Education specializing in an area called Organizational Planning and Change.

Over the 2-year period of my Masters degree I read almost 300 books and learned how to investigate, interconnect and make sense of different, isolated elements of our broader contextual environment, (i.e. social, economic, political, scientific, business, technological, etc.). I then learned to forecast emerging trends that could give an organization a huge competitive edge by capitalizing on my research findings.

I didn’t realize it then, but my educational choices actually set me up to discover a fundamental banking SECRET and naturally follow a profession I never anticipated going into - becoming an international Mortgage Reduction Expert!

Discovery of The Key Banking Principle

in 1995 I came across a little known and little talked about Key Banking Principle. After focusing my research skills on the subject, the enormous implications of that discovery began to dawn on me. I realized that if I could teach ordinary home loan borrowers how to take full advantage of the Key Banking Principle they could slash years off their home loans and save tens to hundreds of thousands of dollars in interest.

Remembering the enormous stress my working class parents went through to keep a roof over our heads, I decided that I had a higher calling. Instead of helping faceless corporations increase their profit margins, it made more sense to me to help millions of families relieve the financial burden of having a mortgage. This decision made even more sense as I traveled the lending and banking circles at the time. I would hear hushed whisper of a "monster" that was looming on the horizon. A monster that would shatter the status quo and change everything.

Creating a Monster

In one particular instance I remember sitting in a meeting with a group of mortgage brokers as they were being "pitched" by a senior account executive from a major lender. He started by saying, "We don't quite know what it is, but we suspect there is something really big that is going to happen in our industry." He went on to say, "My advice to you is you'd better make as much money as you can, while you can, because the gravy train isn't going to last forever."

Those words would echo in my head for a very long time because little did they know, but I was the "monster" they were all talking about.

You see I had had enough of seeing all the institutional and individual corruption in the mortgage industry. I had had enough of seeing mortgage brokers channeling all their loans through select lenders so they could pick up fat bonuses and free trips for generating volume business - regardless of whether that lenders' loan products were suitable for the client or not.

I had had enough of going to private industry functions and listening to greedy, unscrupulous loan officers making lewd jokes of how they milked some unsuspecting soul or a family out of thousands of dollars. And I specifically had had enough of watching loan officers putting people into unsuitable loan products so they could line their pockets with hefty commissions.

I knew that if I truly wanted to make a difference in people’s lives with what I had discovered, I had to instigate change at an industry wide level. And the only way to do that was to create a grassroots consumer movement that would force lenders to treat homeowners as a powerful, well informed force to be reckoned with rather than ignorant cattle to be taken advantage of.

My plan was to EDUCATE & EMPOWER hundreds of thousands of homeowners so they could help me put massive pressure on lenders and force them to develop consumer friendly loan products rather than ones that benefited their bottom line. I am happy to say that this is exactly what happened.

Beginning A Grassroots Consumer Movement

To cut a long story short, in 1995 I started developing an accelerated mortgage reduction program that I now call the Speed Equity® System. This System was specifically designed to help borrowers take full advantage of a little known Key Banking Principle so they could slash years off their home loans and save tens of thousands of dollars in interest. I then took everything I discovered about the Key Banking Principle and wrote a book about it. I also developed a software program to help homeowners to bring to life and practically implement the Speed Equity® concept in their lives.

In January 1997 my first book titled “How to Own Your Home Years Sooner” was published in Australia.

The following month, in February 1997, I was contacted by the producers of a National Investigative Current Affairs TV Program thanks to the controversial and revolutionary nature of my Speed Equity® System.

This current affairs program decided to interview me as well as homeowners using my System. They then aired the documentary on prime time National TV. Much to their delight it generated one of highest ratings in the history of that program. The story exposed how lenders keep borrowers enslaved to their mortgage and how people could easily break free from that bondage by knowing how to take full advantage of the banking system. From then on I went on to receive extensive media coverage that helped me to reach out to over 500,000 homeowners in that country. It didn’t stop there because I was later approached by the Australian subsidiary of HSBC, a multinational banking corporation ranked as the third largest bank in the world with assets of over $1 trillion.

Changing An Entire Lending Industry

In 2003 HSBC wanted to do a nationwide launch of new home loan they had developed called “Home Smart.” Their representatives contacted my office and asked if they could use my book to promote their new home loan. The reason they gave was that their new home loan was in complete alignment with the accelerated mortgage reduction principles of my Speed Equity® System. I told them I would say, “yes” only if their loan product met my personal criteria in being beneficial to consumers.

After conducting my own due diligence I discovered that it was indeed a great loan product and would help borrowers to save tremendous amount of time and interest on their mortgage. As a result I was happy to give HSBC full permission to use my book to promote their new home loan.

The end result of all this frenzy and organized chaos was that the nation’s entire lending industry was revolutionized. It was forced to develop consumer friendly loan products that would allow people to take advantage of the Key Banking Principle to accelerate home ownership. And now, everyone that has come after that crusade gets to benefit. That is a legacy I am proud to leave behind in my former home. Ever since then I have dedicated my life to Educating and Empowering people to Protect the single most important and most expensive investment they make in their lives – their home. I especially take great pleasure in teaching people how to own their homes years sooner by knowing how to make the banking system work for them rather than being enslaved to it. Today, borrowers in countries as far away as New Zealand, the UK, Singapore, Malaysia, South Africa, Canada and the US, are also using my Speed Equity® System.

I would be delighted to help you join the ranks of all those that have become mortgage & debt free years sooner. I invite you to join me and begin your journey of doing the same.

At your service,

Harj Gill, M.Ed

President & CEO – Speed Equity, LLC