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It's like a turnkey solution — they look at everything and lay out your options, always looking out for your best interests. I think we'll be able to retire earlier now, and still have something for the kids.

We knocked our mortgage down from 25 years to paid off in 10. There's less stress — we don't have that debt hanging over our heads. Now it's just about enjoying life.

It's nice to know that when it comes to retirement age, I won't have a mortgage hanging over my head. Just a sense of relief — we're going to be fine.

Going through Freedom gave us security in knowing we're making safe decisions. We've now got a passive income helping us pay off our mortgage earlier — it opens up significantly more opportunities, earlier.

We were living paycheck to paycheck and constantly in debt. Three years on, we don't fight about money anymore, with more than we ever thought we'd need. If we can do it, anybody can.

The big eye-opener was understanding the options — a structured way forward. Now I've got a vehicle that will get me where I need to be, and I know I'm heading towards those goals.

We looked at how much tax we'd pay over 40–50 years of working — knowing we could actually reduce that was a really big insight. Now we have control of our future, and hopefully we can retire when we want to.

They allayed my fears about paying off the mortgage comfortably, without affecting our lifestyle. Instead of paying $15,000–$30,000 in tax a year, we're now offsetting that and making it work for us.

My fear was having to work until I was 70. Seeing the actual calculations made me realise this was legitimate — I feel so much more confident now, and I only wish I'd started sooner.

For us it was about a secure retirement. The way it's structured means less out of pocket, with no dint on our lifestyle — and someone else is paying the mortgage. Compared with just saving, we reckon we'll be around four times better off.

We were on the hamster wheel, facing a 30-year mortgage. Charles gave us the information with no pressure — and it hasn't impacted our lifestyle at all. I'm now confident we can retire before 67, maybe by 60.

What mattered most was the honesty and integrity — they weren't selling a golden egg, just being straight about what they could do. I'll get more growth in my investment and, hopefully, a comfortable retirement.