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Arigato, dear investor,

A few days ago, I was reviewing my mortgage…

And I realised something that honestly made me pause for a while.

It’s not about making more money.

It’s about not losing money quietly.

My current mortgage is around 2.6%…

But there are ways to reduce it closer to ~1.4%.

That’s just a 1.2% difference.

But look at what it actually means:

👉 ~$7,800 saved every year
👉 ~$15,600 in just 2 years

Same house.
Same loan.
But totally different outcomes!

💡 A simple way to think about it

As investors, we’re always looking for returns.

But sometimes…

Recently, I also mapped this out visually (I’ll be sharing more in details in my Mortgage to Money Machine Workshop):

• At 1.3%, your total interest over time is ~18–24%

• At 2.6%, it jumps to ~45–58%

• At 5%, it can go up to ~95–120%

Same loan amount…

But the total you pay back can be almost double.

So the real question is:
Are you optimising your mortgage… or just letting it run in the background?

• How to reduce your mortgage rate (simply)

• When refinancing actually makes sense

• How to improve your cash flow without earning more

• And how to align your mortgage with your investing strategy

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Arigato!

Chloe
Arigato Investor

Just a quick heads-up 🌸 Except for Instagram, where I may reply if you comment on my posts, I’ll never initiate a private message to you on any platform. So if you ever get a DM from someone claiming to be “Chloe” or “The Arigato Investor” on Telegram or TikTok — please know that’s not me. It’s a scammer impersonating my account. Stay safe and always double-check 💛

The information provided in this newsletter is for informational purposes only and does not constitute financial advice. Readers should seek their own independent financial advice before making any investment decisions. Please note that the opinions expressed in this newsletter are Chloe's own and do not represent the views of any organization. Always perform your own research and due diligence before investing. 💛