Julian Finch: This Xmas give someone a home loan payment rather than something they don't want - it will go further!
Announcement posted by Invigorate PR 25 Nov 2025
Australians are being urged to ditch the novelty gifts, empty gestures and last-minute shopping panic this Christmas and instead give their adult children the one gift that genuinely matters: money paid directly off their mortgage.
With rising living costs and mortgage stress at an all-time high, leading mortgage expert Julian Finch says a small contribution towards a home loan could be the most meaningful, valuable and life- changing Christmas present parents can give.
Julian Finch is the founder and CEO of Finch Financial. With decades of mortgage brokerage and commercial lending experience, Finch has helped thousands of Australians successfully navigate the lending process. Finch Financial has one of the highest loan approval rates in the country, often securing approvals within minutes. Considered the Money Man, Julian Finch has helped many people get into the best-fit home loans fast and with minimal effort so they can buy their dream home or ideal investment property.
"Every year people waste money on gifts that end up in drawers, cupboards or on Facebook Marketplace," Finch Financial founder and CEO, Julian Finch said.
"However a mortgage payment? That's a gift your adult children will feel for the next 30 years. Even $100 goes further than any candle or novelty present."
The real financial magic: how a Christmas mortgage gift grows into thousands
Finch said most families have no idea just how powerful a single mortgage payment can be over time.
A one-off $500 Christmas contribution on a standard 30-year mortgage at six percent reduces the total interest paid by around $580, turning a $500 gift into over $1,000 of financial benefit.
Even a modest increase has a dramatic effect.
"A $1,000 Christmas payment cuts about $5,023 in future interest, which means a $1,000 gift becomes more than $6,000 in real financial value," Finch said.
But the real transformation happens with larger gifts.
"A $5,000 Christmas contribution is extraordinary," Finch said.
"On a typical six percent loan, that one payment wipes out around $25,113 in future interest. That means your $5,000 gift becomes more than $30,000 in real financial value.
"A $10,000 Christmas mortgage payment is life-changing. On a standard 30-year loan at six percent, that one gift wipes out around $50,226 in future interest, turning a $10,000 contribution into more than $60,000 of real financial benefit. No traditional Christmas present even comes close to that kind of impact.
"There isn't a present on the planet that comes close to that."
Finch said this is the kind of gift that changes lives, particularly for first-home buyers and young families who are struggling with the financial load of modern Australia.
"Households are under pressure. Repayments are high, groceries cost more and most young families are doing it tough. A mortgage contribution gives them breathing room. It shows love in a way that actually matters," he said.
Why paying off the mortgage beats traditional Christmas gifts
Finch said Australians waste hundreds, sometimes thousands, every Christmas on items that are forgotten within days.
"We've all seen it," Finch said.
"The novelty gadget nobody uses, the overpriced candle, the hamper that sits in the pantry untouched. These gifts don't change anyone's life."
But a payment off a mortgage does.
"Nobody returns a mortgage payment, nobody regifts it, nobody throws it away," Finch said.
"It's the only gift that reduces debt, increases financial security and genuinely improves your child's future."
He said many borrowers are only just coping with the rising cost of living and even a small payment could help ease the pressure.
"A small financial boost at Christmas can relieve stress, reduce interest and help your kids start the new year ahead rather than behind."
The bottom line
According to Finch, the ultimate Christmas gift isn't wrapped, boxed or tied with ribbon, it's a reduction in debt.
"A few extra dollars off the mortgage is the most meaningful support you can give right now," Finch said.
"If you want to show love this Christmas, help your kids reduce their mortgage, not add more clutter to their cupboards."
About Finch Financial Services
Based in Hurstville, NSW, Finch Financial Services has been servicing Australian families and businesses with home, personal and commercial loans as well as asset finance services since 2015. Ranked amongst the top five percent of brokerages in Australia according to data from the MFAA, Finch Financial Services is a leading brokerage and family-owned business that specialises in finding its customers loans that are tailored to their needs and goals.