Can You Use Your Tax Refund to Pay Off Your Mortgage? ❓ Thinking of using your tax refund to pay down your home loan? You’ve probably seen ads from so-called “property gurus” promising quick ways to reduce your mortgage faster. But is it really that simple? I’m Tony Xia, Founder & Director of The Mortgage Agency, one of Sydney’s top mortgage broker firms. In this episode of The Mortgage Chat, I’ll break down: ✅ How tax refunds can help pay off your mortgage faster ✅ What negative gearing actually means (and if it’s worth it) ✅ The real cost of investment properties and why some strategies don’t work ✅ Common property investment traps to avoid Many of these ads don’t explain the logistics—so let’s clear up the myths and see if this strategy actually works for you. 💡 Need expert mortgage advice? Contact The Mortgage Agency today for a free consultation! Our experienced brokers can help you structure your loan for the best possible outcome. 👉 Don’t forget to like, share, and subscribe for more expert insights on property, mortgage, and finance in Australia! 🎧 LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/0ey99ngIhSFhO1TfRAMcqG YouTube: https://www.youtube.com/@themortgageagency 📍 FIND US HERE LinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596 Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511 Instagram: https://www.instagram.com/tonyxia_themortgageagency/ YouTube: https://www.youtube.com/@themortgageagency8841/videos Book a quick call⬇️ https://themortgageagency.com.au/contact/ Tony Xia | The Mortgage Agency 📞 0423 718 612 📩 Tony@themortgageagency.com.au Chapters 0:00 Introduction 0:35 Can a tax refund really help pay off your mortgage faster? 1:12 What is negative gearing, and is it worth it? 2:25 The real cost of investment properties—what are you not told? 3:40 Why some property investment strategies don’t work 5:05 Common property investment traps to avoid 6:30 How to use your tax refund wisely for financial growth 7:45 Should you invest your tax refund or put it into your home loan? 9:10 Final thoughts