The Mortgage Game
We’ve produced a fantastic demonstration webinar that you’ll get a lot of value from.

Here’s what you’ll get from the webinar:

  • Learn how to avoid borrowers 3 biggest mistakes
  • Learn how to stop paying your bank too much interest
  • Pay your mortgage off in up to half the time while you keep your existing lifestyle
  • Find out what Freehold Express delivers

Free Mortgage Analysis

Complete a simple online form to get your free Mortgage Analysis that will show you how much interest you could save and how many years you can take of your mortgage while you keep your existing lifestyle.

Get your Mortgage Analysis

Chat with Dennis

I get it, you want to do something about your mortgage but you’ve got some questions. Let’s have a chat and find out if The Mortgage Game® is a good fit for you.

10 Reasons Why

I know that you’ve got a bunch of questions that you need the answers to so I’ve taken the time to set out 10 reasons why my clients trusted me with helping them win their Mortgage Game.

These reasons will help you to find out why The Mortgage Game® is unique and they’ll answer some really important questions for you. They’ll probably also raise a few questions that that we can chat about if you want to meet.

And if it turns out that The Mortgage Game® isn’t the right option for you, I can normally recommend something that would help you.

So that we can have that conversation please click here to go to the page that can quickly set up that online meeting for us.

I'd look forward to chatting if that works for you.

Reason #1: With The Mortgage Game®, I carry the risk, not you.

I’m sure that in the past you’ve probably purchased a product or service and afterwards you felt that you didn’t receive good value for your money, you may’ve even lost your money. This makes us all very discerning with our money and we get pretty fussy about how we spend it and who we spend it with.

If you’re considering paying for something you should have supreme confidence that you’re going to get great value for your money, you deserve that. And if you’ve been through the experience of losing money by investing in products or people that didn’t work out, then you’ll be pleased to know that you don’t have to trust me......instead, I’ll trust you.

How that works is simple: If you do decide to work with me you don’t have to pay my fee until AFTER I deliver. I’ll show you how to achieve the results shown in your Mortgage Analysis while you keep your existing lifestyle, I’ll give you extra strategies which will enable you to beat those results if you choose to (still while you maintain your existing lifestyle) and then I’ll give you all of my intellectual property, complete with simple step by step instructions, that enables you to achieve those results and then I’ll provide you with online tools and support until you discharge your mortgage and then I’ll trust you to pay me, because I know that after I’ve delivered, you won’t be able to pay me quick enough! It just what happens, that’s why I’ll trust you to pay me.

This means I carry the risk, not you. This is what I call “Risk Reversal” meaning that instead of you, my client, carrying the risk, I’ll carry it instead. And BTW, Risk Reversal is far superior to a money back guarantee offer. Because with a money back guarantee, there’s actually no guarantee that you'll get your money back and besides, who wants to even have to ask for their money back?

I go even further than that! I provide you with a $1,000 Value Delivery Guarantee Certificate whereby; if I can’t show you how to achieve the results shown in your Mortgage Analysis while you keep your existing lifestyle then I’ll pay you $1,000 for wasting your time. I’m happy to put my money where my mouth is because I back myself to deliver.

I’ve never failed to deliver and I’ve never paid out on a $1,000 guarantee. It might as well be a $100,000 guarantee. As long as 2 + 2 continues to equal 4, I’ll never have to pay a guarantee.

Your Mortgage Analysis results are a matter of mathematical certainty based on the data that you’ve provided and my role is to simply show you just that, before you pay me. I can’t be fairer than that.

Reason #2: I’ve got a long track record of successful client results

It’s only reasonable that I can demonstrate to you a successful track record of helping clients quickly achieve the results shown in their Mortgage Analysis.

And I do mean “results” as in specific measureable results whereby you can see your mortgage reducing faster than you ever imagined possible, in your own bank account, on a daily, weekly or monthly basis (whichever you prefer) while you keep your existing lifestyle.

That’s because I’ll easily show you how NOT to pay all of your interest savings to your bank in interest like they planned, I’ll show you how to pay that money back in principal instead.

Let me tell you that watching your mortgage shrink faster than you ever dreamed possible is not only incredibly motivating, it’s downright infectious! My clients tell me its life changing.

It’s all very well for someone to have testimonials that talk about how excited someone is about the potential for results or what a nice guy/lady the Financial Advisor is, but nothing short of a proven track record of successful clients should be offered as evidence that a Financial Advisor's methodologies actually work. I have many hundreds of clients all around NZ and you’ll find my track record amply demonstrated and proven by clicking here:

Now, let me be frank with you... If you can find someone who can demonstrate quantifiable client results like the ones you'll see on the above webpage AND who offers to deliver the value BEFORE you pay their fee (see Reason #1 above) or BEFORE you get hooked into them with a new mortgage or insurance, or what ever else they might be flogging, then I recommend you look at them as an option for paying your mortgage off faster.

However, if someone fails to offer you a Risk Reversal Guarantee, a $1,000 Value Delivery Guarantee Certificate and/or they don’t provide evidence of their clients paying their mortgages off much faster than before, then I’d recommend you steer well clear of them. Because it’s highly likely they can’t deliver on their promises.

Reason #3: My fee is essentially self funding.

My fee has already been deducted from the interest savings which I’ve created for you and shown in your Mortgage Analysis. So did you work out that my fee is essentially self funding?

Don’t take my word for it; click here to see Candice & Adrian’s testimonial. Adrian, a Chartered Accountant, confirms that the fee is “essentially self funding” while he explained that he had been doing it all “wrong” and why they both rated my training at 10/10.

For our average client my fee pays for itself 34.5 times over. If you can find any other investment that is as secure (your money stays in your bank under your control at all times) and pays such a high rate of return, I recommend you grab it.

If you had a magic jar that gave you $34 back for every dollar you put in, how much money would you be putting in that jar?

And remember, Lotto is a game of chance, it isn’t an investment. Lotto, or a magic jar, are about the only other way you’re going to have any other chance of getting a return like that.

Reason #4: I bring unparalleled experience

It is often said that if you do only one thing for long enough then eventually you get good at it. I first started mortgage debt reduction planning in 1988. No one else, in the history of financial services in NZ, has ever achieved what I have within my specific expertise of mortgage debt reduction planning.

As a matter of fact, I can’t find another Financial Service Provider in Australasia who is rated as highly by its clients, 9.85 out of 10. That’s hard to beat and that’s because I’m one of the few mortgage debt reduction specialists on the planet.

I remove my clients from that seemingly helpless position of getting their monthly mortgage statement and seeing that they’ve only paid a tiny amount of principal and a huge amount of interest. And they don’t know what to do about it, so they just keep paying.

For this reason, getting their monthly mortgage statement for many people can be really frustrating and depressing. Others go to bed at night and they can’t sleep, they’re sick to their stomach because they don’t know how they’re going to pay their mortgage next month or they don’t know how or when they can possibly retire because they still have a mortgage.

My clients sleep really well at night.

I remove all of the financial pressure that excessive mortgage interest costs impart upon borrowers. I show borrowers how to take control of their mortgage and their future financial security.

This enables my clients to make informed lifestyle choices instead of being forced to go to work just to pay the interest on their mortgage. Building a dream home, buying more rental properties, overseas travel, reducing their hours or retiring early are just some of the things that my clients get to do sooner than they ever thought possible.

Reason #5: The Mortgage Game® is specifically for borrowers who want to pay their mortgage off much faster

My core activity is specifically mortgage debt reduction planning.

If you needed a heart operation would you prefer to have that done by your GP or a heart specialist? Clearly the latter has the expertise and the specialist tools needed to complete the job safely and effectively. The Mortgage Game® is just like that specialist.

On average, my clients pay their mortgage off 15.7 years sooner than their bank planned for them while they maintain their existing lifestyle. We also save our average client around $213,000 in interest.

The reason for this is simple; NZ has, by far, the most profitable banks in the OECD. It’s not hard for me, the only mortgage debt reduction specialist in NZ, to trim back their profits on your mortgage to a much more reasonable amount.

You see, I have the software, tools, systems and processes which enable me to do this. I’ve developed them over the years myself (well ok then, I’ve had in-house software developers since 2009) because the necessary software and tools that borrowers really need just aren’t available.

Reason #6: The Mortgage Game® is ethically cunning yet so simple to do

I personally deliver my clients training in 4 simple parts during one 60 – 90 minute one-on-one online session. These 4 parts are in turn broken into simple step by simple steps. Not only will I change your thinking, I’ll blow your mind! You’ll quickly see what Lenders do to keep you as clients for as long as possible. That’s why my clients rate The Mortgage Game® at 9.85 out of 10.

Sorry; after our training session, you can’t get rid of me easily. We’re stuck together until you discharge your mortgage. You continue to get the full benefit of my expertise, software, systems and online tools to help you beat my plan. And did I tell you that I’ll give you extra strategies, which aren’t included in your Mortgage Analysis result which will enable you to beat my plan if you want?

And there's more: you’ll feel empowered, happier and more energised and more fulfilled because you’ll be doing the things that you enjoy doing instead of going to work just to pay the interest on your mortgage.

I liken a mortgage to a 30 year long dark tunnel, without even with a light at the very end of it. I turn on a light just part way down that tunnel, a light so bright that you can almost reach out and touch it.

That’s empowerment and control right there! And it’s all yours if you choose to work with me.

Reason #7: The Mortgage Game® makes mortgages simple

Think about this; I’m easily able to show my clients how to take an average of 15.7 years off their mortgage while they get to keep their existing lifestyle. This is a huge point of difference which is instrumental to my client’s success and wellbeing.

My clients tell me that they are delighted to be able to maintain their existing lifestyle, without any compromise. You’ll read some testimonials where some clients have even decided to raise their lifestyles. That’s because I provide my clients with lifestyle choices. It’s not hard if you’re not paying for your home 2-3 times over in unnecessary interest costs.

If my average client went to their Lender or other Mortgage Adviser and said “Show me how to take 15.7 years of the term of my mortgage” they’ll go to the only tool available to them, a mortgage calculator and plug your numbers in. Then they’ll probably tell you that you have to double your monthly payments (or more) to achieve this. That’s hard, darned hard, if not impossible. I figure that this is going to have a substantial impact on your lifestyle, like you won’t have one!

Ask yourself who has the best mortgage reduction methodology, them or me? Examine the rational behind the different methodologies. Lenders and other Mortgage Advisers need to keep you as a client for as long as humanly possible to boost their profits. I want to work with you over the shortest period possible to swiftly pay your mortgage off.

I’ll be the first to put my hand up and say that some of my proven methods have a lot of moving parts which dovetail together to work perfectly. But The Mortgage Game® makes the complicated simple, by breaking down every step into a simple, short and easy to achieve step.

That’s why my clients are so successful; I make it really easy for them.

Reason #8: You get me, and you get my mobile phone number

You're already doing everything you need to, but unfortunately you're doing it on your Lenders terms. And let’s face it right now, Other Mortgage Advisers work for the Lenders, not for you. Their late model European cars and lavish lifestyles have to come from somewhere.

The banks pay them and in most cases they pay them for every year your mortgage is in place. They also get paid when they re-fix your mortgage.

We need to change the default terms to your terms. And that is hard for you to do yourself because they have all the power and control. Everything is stacked against you. You don’t have to continue to contribute to banks seemingly endless record profits. I’ll show you how to take your power back from Lenders and other Mortgage Advisers and how to play The Mortgage Game® on your own terms, not theirs.

A lot of people are surprised to learn that when they invest in The Mortgage Game® they get my close and personal attention. You’re not “outsourced” or delegated to a licensee or trainee. And not only do I personally attend your training, but I also give you my mobile phone number.

The reason I’m comfortable with giving my clients my mobile phone number, is that they virtually never need it. That’s because the communication and support systems that you get with The Mortgage Game® are such that it's unlikely you’ll ever need to contact me outside of those options.

But I want to provide evidence of the fact that I care and that I make myself accessible so that you know for certain you’re not simply going to be another number lost in some sort of sales-processing conveyor belt. And that's why you'll get my direct mobile phone number.

Reason #9: You’re protected by plenty of very robust legislation.

I’m required by law to be a Registered Financial Advisor (RFA) and Freehold Express Limited is a Registered Financial Service Provider (RFSP). You can see for yourself at

I operate in a very heavily regulated industry whereby the Financial Advisors Act 2008 is robustly enforced by the Financial Markets Authority (FMA) who acts as the finance industry watchdog, and boy does that dog bite! The FMA investigates and then prosecutes any industry participants who breach the Financial Advisors Act. They also ban people from the industry who have misbehaved; some go to straight to jail, literally.

By law we’re also required to be a member of an external disputes resolution organisation, our service provider is the Insurance & Financial Services Ombudsman. We’ve never had a complaint upheld against us.

In addition to the above mentioned consumer protection, our clients are also protected by the Consumer Guarantees Act 1993 and the Fair Trading Act 1987 which the above described organisations apply for complainants.

In short; I can’t say, print, publish or email anything that I can’t back up upon a robust external review or audit. So when I say, print, publish or email anything then you can rest assured that I stand behind it because it is entirely correct. It has to be.

Reason #10: The Cost of Delay

Finally, there is the cost of delay in putting The Mortgage Game® in place. At the time of publishing the cost of delay is sitting at $1,900.96 per month. This figure varies, usually between around $1,800 - $2,100 per month.

I’ll be more specific about the cost of delay. For each month that my client’s delayed putting their Mortgage Game in place, on average it cost them around $1,900 a month, in unnecessary interest costs over the remaining term of their mortgage.

Take a look at page 7 of your Mortgage Analysis Result and see how much your cost of delay is each month.

I see some real ironies in my industry, many people are too busy going to work to just to pay the interest on their mortgage to take the time to STOP, draw a line in the sand, and do something about their mortgage. It’s like they’re on a hamster wheel running flat out, tired and exhausted, and going nowhere.

Others think they’ve already got their mortgage as good as it possibly can be. They sure get a wake up call!

Another irony is that it behooves me to see that many people will stop and take the time to do their due diligence on the purchase of a washing machine or the like than they do when it comes to re-fixing their mortgage.

I don’t know about you, but I don’t see any washing machines that are worth $315,232, which is my client’s average mortgage.

You owe it to yourself and your family to get some specialist advice on reducing your mortgage as fast as you can. There’s no need to pay for your home 2-3 time over in unnecessary interest costs.

The larger the mortgage, the more interest I can save you.

Stop procrastinating, draw a line in the sand, and do something about it now.

I think that’s about it!

The above reasons are solid, specific and differentiated to the point where you will very likely and quite rightly believe that there is simply no better choice for paying your mortgage off much faster than the standard bank set up allows other than The Mortgage Game®.

Your Honour, I rest my case.

Regards, Dennis

Registered Financial Advisor See Registration

Get your FREE copy of The Mortgage Game®, here's what you'll learn;

  • How to pay your mortgage off in half the time while maintaining your existing lifestyle.
  • 6 Secrets that lenders don't want you to know.
  • The best ever mortgage reduction strategy.
  • 8 things a robust mortgage reduction plan must have.


How to reduce your mortgage by up to 15 years while maintaining your same lifestyle

The Mortgage Game

An Educational Guide Produced By Freehold Express Limited

Author: Dennis Stevenson
© Freehold Express Limited May 2013

Copyright © Freehold Express Limited 2018