Mortgage Audit Software - Home Loan Interest Manager ™
Are Your Interest Charges Correct?
Would You Like To Pay Off Your Mortgage Sooner?
With this mortgage software you can track, plan and manage all aspects of your mortgage and loans.
Ideal for the homeowner or property investor, this mortgage software is for you if you want to:
 Check your interest charges for errors.
Cut years off your mortgage.
Track your loan repayments.
Prepare for the next interest rate rise.
Make informed decisions.
Keep a detailed record of your loans.
Discover the true-cost of your mortgage.
*** Mortgages in the News ***
Mortgage Repayment Stress -
1 In 5 Homes At Risk
22 April 2008 - Today the Sydney Morning Helard reported that " up to one in five stressed households will lose their homes". Read more on mortgage repayment stress.
We have helped thousands of homeowners take control of their mortgages and loans, and protect the thousands they pay in interest each year from lender mistakes.
We can help you.
Download and install this mortgage software now, enter your mortgage statement details, and within minutes you can start monitoring, checking and planning your loans.
It's Powerful. It's Easy To Use. It Will Save You Money.
"Using Home Loan Interest Manager Pro, I've just found out that I can save over $31,000 in interest by paying off my mortgage five years earlier (and I only have to pay an extra $12 a week). WOW!" Lucy B, Australia
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Mortgage Audit Software - How Will It Help Me?
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Signing up for a mortgage is one of the biggest financial decisions you will ever make, and with a little planning and discipline you can turn it, and your home, into one of your most successful long-term investments.
Unfortunately, from the moment you drawdown your mortgage your lender takes control.
Your lender will:
Tell you how much to repay, and how often.
Track and manage your repayments.
Calculate your interest charges and fees.
But what if they get it wrong? We all make mistakes, and your lender is no exception. A simple human error or computer glitch can add thousands in interest to your mortgage if left undetected.
And, what if their repayment schedule isn't right for you? Lenders like you to pay off your mortgage over the full term of the loan, however cutting just a few years off your loan can save you thousands in interest charges.
So what should you do? It's never too late to give your mortgage and loans a health check, and we've put together the following list to get you off to a flying start.
"My lender recently increased my interest rate in error to 7.70% (instead of 7.07%) and your software pointed out they had been overcharging me approximately $229 per month for 4 months. They have now refunded $917.09 to my mortgage. Thank you for the great software, and you can bet I will definitely be keeping an eye on my bank for the next 22.56 years!" Thomas M, Sydney, Australia
Five Steps To A Healthier Mortgage
Start protecting your mortgage and loans today with these five simple steps:
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Check for Lender Mistakes
Home Loan Interest Manager lets you check if you are one of the thousands being overcharged interest every day due to lender mistakes, and faulty computer systems.
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Make Extra Repayments or You Will Repay 2 to 3 Times What You Borrowed
Home Loan Interest Manager will show you how much you can save, and how little it takes, to cut years off your loans.
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Have All the Facts So You Can Make Informed Decisions
Home Loan Interest Manager lets you perform what-if analysis on interest rate rises, extra deposits, offset account balances, interest calculations, increased debt, and much more, and instantly shows you the impact on your loans.
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Know What Your Loans Are Costing You
Home Loan Interest Manager shows you exactly what you are paying for your loans, year-to-year and statement-to-statement, keeping you on track and motivated to crush your mortgage.
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Accurately Track Your Loans
Home Loan Interest Manager will help you store all your loan details in the one convenient location, making it easy to track and monitor your mortgage.
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"I want to thank you for writing such a fabulous home loan checker program! I've checked my investment loan and my home mortgage and finally feel on top of things. Thank you!" Vivian P, Australia
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Home Loan Interest Manager
The Australian mortgage software for homeowners and property investors.
Ranked #1 "Mortgage Audit Software" on all major search engines for the past 3 years.
Trusted by homeowners in more than 25 countries around the world.
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Mortgage Audit Software - What Does It Do?
"... let it help you Track, Audit, Summarize and Plan Your Mortgage"
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Home Loan Interest Manager has been specially designed to let you capture and track all of the mortgage information provided to you by your lender.
Using the details from your mortgage statements, the reports will instantly check the accuracy of your interest calculations, summarize the expenses on your loans, and help you plan for the future.
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Track Your Mortgage
... Keep a Complete and Accurate Record
Home Loan Interest Manager lets you enter all your mortgage and loan details, together with interest rate changes, balances, and statement information.
The software allows you to track all types of transactions including extra repayments, fees, taxes, and interest charges, and if you have access to your account transactions via Internet banking (or you currently have them in a spreadsheet) the import wizard will help you load them in seconds.
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TRACK
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Audit Your Mortgage
... Find Bank Errors in Seconds
Not sure if your lender's interest calculations are correct? Want to find out if you are receiving the full benefit of your offset account and extra repayments?
Run the following audit reports and check your mortgage and loans for bank errors:
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The Balance Checker confirms all your transactions and balances have been correctly processed by the bank.
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The Interest Checker (and Offset Account Checker) quickly highlights any errors in the interest charges of your loans.
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The Refund Calculator (and Error Compounder) displays the refunds you are due, by calculating the total compounding cost of each error.
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The Daily Interest Report shows the daily breakdown of the interest you are being charged on each loan.
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AUDIT
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Summarize Your Mortgage
... Discover Your Costs
You can get an instant picture of what your loans are costing you, statement-to-statement and year-to-year, by letting the mortgage software automatically group and categorize the transactions on your statements.
When you run the following summary reports, you will discover your costs and stay motivated to crush your mortgage:
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The Yearly Totals Report displays the total costs of your loans for ANY year.
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The Yearly Comparison Report compares costs from year to year.
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The Statement Comparison Report compares totals from statement to statement.
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SUMMARIZE
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Plan Your Mortgage
... Be Debt Free Sooner
Worried about interest rate rises? Want to find out how to pay off your mortgage sooner?
Start planning for the future, using all the mortgage information you have loaded into the software and the following planning reports:
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The Increased Repayments Report allows you to work out how much you will save over the life of your loan, by increasing your mortgage repayments.
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The Interest Rate Rise Report will let you prepare for interest rate rises, by showing you the impact on your repayments, and total cost to your loan.
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The Detailed Payout Plan lets you work out how many years you can afford to cut off your loan, and how much you will save in interest charges.
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The Summary Payout Plan lets you decide how quickly you would like to pay off your mortgage, and then shows you exactly what you have to do to reduce your loan term. It works with your current balance and is automatically updated every time you enter your latest loan details, keeping you on track every step of the way.
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PLAN
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"Audit your mortgage today with this home loan interest checker, and make sure you are not paying for your lender's mistakes!"
"Thank you for Home Loan Interest Manager Pro. Like most people I pay my bank thousands in interest each a year, and before using your home loan checker software to calculate my interest payments and audit my mortgage, I had no idea if the interest they were charging me was correct. " Matthew H, UK
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Mortgage Audit Software - Why Choose Us?
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We've put together the following list of reasons why other homeowners and property investors have trusted their mortgage and loans to Home Loan Interest Manager.
15 Reasons to Choose Home Loan Interest Manager
With Home Loan Interest Manager you can:
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Check Any Australian Lender
Home Loan Interest Manager works with loans from all major Australian banks, credit unions and lenders, including the Commonwealth Bank, NAB, ANZ, Westpac, St George Bank, RAMS, ING, BankWest, Aussie Home Loans, Suncorp , Adelaide Bank, Bank of Queensland, Wizard Home Loans and many more.
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Check Any Australian Loan Type
Home Loan Interest Manager works with all Australian mortgages and loan types, including variable rate mortgages, offset accounts, home loans with redraw facilities, fixed interest loans, variable rate loans with discounts, lines of credit, interest only loans, low doc loans, and investment loans.
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Check Your Interest Offset Account
Home Loan Interest Manager works with all types of interest offset accounts, and automatically checks that you are receiving the full benefit you are entitled to.
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Get Accurate Results - Guaranteed
Home Loan Interest Manager uses the internationally accepted formula for the calculation of interest and is guaranteed to be accurate. We back the accuracy of our calculations with a 100% money back guarantee.
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Get The Job Done Quickly
Home Loan Interest Manager has been designed to get the job done quickly, so that it can take as little as 10 minutes a year to keep all your loans under control.
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Import Your Transactions
If you use Internet banking, the import wizard lets you load all your latest transactions in seconds, and unique to Home Loan Interest Manager, the Auto-Matching Tool will automatically assign categories to them.
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Capture ALL Your Loan Information
Home Loan Interest Manager allows you to capture ALL your loan information down to the individual transactions (including repayments, fees, extra deposits, special withdrawals, transfers, taxes, interest rate changes, and more). The greater the detail you capture, the greater the level of accuracy and understanding you can obtain.
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Prepare For Interest Rate Rises
Home Loan Interest Manager takes the worry out of interest rate rises, by showing you exactly what will happen to your repayments and mortgage costs if rates go up (or down).
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Calculate Your Increased Repayments
Home Loan Interest Manager lets you see the benefits of increasing your repayments, and lets you work out how many years you can afford to cut off your loans, and how much you will save in interest charges. You'll be amazed how even the smallest amount will save you thousands.
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Cut Years Of Your Loans
Home Loan Interest Manager helps you find out how soon you can afford to pay off your mortgage, and then lets you lock in your projected target. The summary payout plan will show you exactly what you have to do to achieve your goals, and is automatically updated each time you enter new loan information.
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Summarize Your Loan Expenses
Home Loan Interest Manager lets you categorise the transactions on your loans so that you can get a summary view of your costs, year-to-year and statement-to-statement.
You can instantly see how much you are paying in fees, how much you have been charged in interest, or see how much you extra you have withdrawn in a year. Use the default list of categories, or easily add your own.
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Get The #1 Ranked Mortgage Audit Software
Home Loan Interest Manager has grown from it's humble beginnings in Australia, to become the number one ranked "mortgage audit software" on all major search engines for the last 3 years, and it is trusted by homeowners and investors in more than 25 countries around the world.
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Use It With Windows, Linux and Mac
Home Loan Interest Manager is one of the few mortgage software products that works on Windows, Linux and Mac. Whether you use a different operating system at home and work, or you decide to change operating systems in the future, the software will move with you.
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Use It FREE For 14 Days
Home Loan Interest Manager is free for the first 14 days. No upfront costs, no nasty surprises. You get to see the full version of the software working on your computer, with your mortgage and loans. We want you to be as comfortable as we are that this is the right mortgage software to partner up with your mortgage and loans.
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Buy It Risk Free - Backed By Our 100% Money Back Guarantee
Home Loan Interest Manager comes with a no-risk 30-day 100% money back guarantee. If you change your mind within the first 30 days of purchasing the software, we will happily refund your money.
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"Great interest checker program. Very pleased with it - particularly the Auto-Matching / Learning feature, it's a real time saver. I installed the software and trialled it quite satisfactorily without reading the manual, which I find a good preliminary test." Richard J, Australia
"I searched the net for this kind of application and decided upon your product. It does exactly what I require and I found it intuitive & easy to use - thankfully! So far no errors have been detected on my mortgage; great product..." Paul, Adelaide, Australia
"It's amazing the quality difference in the mortgage watchdog software available on the market! I've tried a couple and just wanted to say how impressed I was with the quality of your mortgage audit software, and all the little bits that make it so user friendly. Keep up the good work" Dennis J, New York, US
"I am just writing to say how impressed I am at both the speed and quality of the response to my email. I work for a large software company and I know that our customers would love to receive this level of service." Trevor H, Australia
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Home Loan Interest Manager
"Keep your lender honest over the life of your mortgage, with this Mortgage Audit Software"
"Your homeloan checker software is amazing. Once a month I load my mortgage transactions into Home Loan Interest Manager Pro, and the rest is taken care of for me." Greg W, USA
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"...great features, great reports and very affordable" W R, Missouri, USA
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Mortgage Audit Software - Latest News
*** Bank Errors in the News ***
Mortgage Checker Software in heavy demand after Australia's Westpac bank announces $8million refund to 40,000 mortgage clients
Mortgage Audit Software developer HomeMoneyManager.com confirmed that since the Westpac $8 million refund announcement on Friday there has been a surge in the number of downloads of their flagship mortgage auditing software, Home Loan Interest Manager Pro, as mortgage customers look for software to check their mortgage statements for errors. Read the Westpac mortgage announcement increases mortgage checker demand article in full.
"I have just downloaded the free trial of your home loan checker software and audited my last three years of mortgage statements. I've wanted to check my mortgage for months and would like to say how easy it was and what a weight off my mind. It's going to be very simple to monitor my mortgage once a year from now on. Excellent software and very well thought out." Rebecca P, Melbourne, Australia
Home Loan Interest Manager
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Mortgage Audit Software - List of Features
The award winning Home Loan Interest Manager is a complete loan and mortgage manager that allows you to audit and take control of your loans and mortgages. The main features include:
Mortgage Interest Checker, Mortgage Balance Checker and Mortgage Refund Calculator allowing you to audit for lender errors and mistakes.
Storage and retrieval of all your loan and mortgage information including statements, transactions and interest rates.
Mortgage Offset Account functionality.
Mortgage Summary reports on interest payments and charges, statement comparisons, year to date figures and yearly figures.
Increased Repayments Report showing you how much you can save by increasing your mortgage and loan repayments (even by the smallest of amounts).
Summary and Detailed Payout Plan setting you a target to help you pay your mortgage off sooner and reduce your total interest bill.
Daily Interest Audit Report providing you with a daily breakdown of your mortgage interest charges and offset account benefits.
Mortgage Interest Rate Rise Report highlighting the impact of an interest rate change on your repayment amount, and calculating your total outstanding interest.
Import Wizard allowing you to load your mortgage transactions from a file or spreadsheet.
Ability to export all your mortgage and home loan information to XML, Text or CSV format so that you can use it in other applications.
Password protection.
Sample workbook and suggested exercises to get you started.
Quick to download, easy to install and easy to use.
"Mortgage errors & bank mistakes are costing
homeowners thousands EVERY DAY -
Have you checked your mortgage statements for errors?
"DID YOU KNOW? ... An interest rate incorrectly entered as 7.69% instead of 6.79% will result in an overcharge of more than $54,000 in interest over the life of a loan (based on a 30-year 250,000 mortgage)."
 Ranked #1 "Mortgage Audit Software" on all major search engines for the past 3 years, and trusted by homeowners in more than 25 countries around the world (from the US to Australia and everywhere in between).
From its humble beginnings in Australia, Home Loan Interest Manager has become the mortgage checker software of choice.
Home Loan Interest Manager
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