Graeme Holm Award Winning Broker, Finance Educator, Author

Graeme Holm and Infinity Group educate clients on cutting spending and becoming debt free

Pay off your mortgage, one dollar at time

Graeme Holm knows the value of a dollar. He is known as the “Money Mentor” and he teaches his clients that every dollar counts when it comes to paying off mortgages and becoming debt-free. It is the tried-and-true secret to building wealth and financial success. Graeme is the CEO of Infinity Group Australia, which he founded in 2013 and has since become a multi-award winning finance brokerage company. Graeme and his team at Infinity Group educate clients to monitor every dollar and curb discretionary spending. It is a ‘tough love’ approach, but the results and client testimonials speak for themselves.

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On average, Infinity Group clients pay off $50,000 of debt principal per year. By contrast, the typical Australian borrower, only achieves $10,000 each year. Additionally, an almost unbelievable number of 100% of clients report that they paid off more of their debt in the first three months with Infinity Group, than they had in the previous 12 months prior. These numbers are remarkable and astounding, but they are why Infinity Group has earned numerous awards for personalised attention and customer service, and is among the ranks as one Australia’s top brokerage firms. Recently the team was awarded with The Adviser’s prestigious 2018 “New Office of the Year” and recognized in 2019 by Australian Financial Review as the #4th most innovative financial services company, on the publication’s annual list moving up 54 places from 58th in 2018.

Graeme has over 18 years in the finance industry, and he spent over a decade working in for a Big Four Australian Bank company. It was during this time that he saw first-hand how the system continues to work against the borrower. Poor planning and impersonalisation from these institutions were keeping average Australian home owners in debts that they could not repay for long periods of time. Graeme listened to the stories, with many clients struggling to repay their mortgages. From an early age, Graeme experienced personally the toll that financial stress can have on an individual, marriage, or family. He saw this with his own family, being raised by his grandparents and a single mother in Wollongong on the NSW South Coast, one hour south of Sydney. This upbringing led to a profound motivation to help people, which is why he chose a career in finance at the age of 18.

During his time of working within the Australian banking system, Graeme felt the biggest issues were the impersonal relationships and a one-size-fits-all packages for borrowing. He also saw that clients who were investing thousands of dollars were given an underwhelming lack of education about borrowing and managing their finances. In many cases, clients were forced into a repayment contract that was beyond their monthly income. This created the heavier burden of using credit for simple purchases and racking up interest charges. It was no wonder that many everyday Australians were under mountains of debt and never-ending bills.

Graeme knew there had to be a better way. He and his partner Rebecca Walker began to think differently about home loans and the standards around them. He realized that these standards, which are considered status quo, are setting up clients for a life-time sentence of interest charges and debt.
• Why are mortgage loans for 30 years? Who chose that amount of time and why? Can they be shortened?
• Are we, as consumers, just always encouraged to spend? And not save?
• Why don’t most homeowners know their own household budgets, and also know when their expenses exceed them?
• Why do banks have offsets accounts, where customers always have direct access to the funds?
• Why is it possible to have a credit card limit that is beyond the monthly net income for a household? Why is this not regulated to save consumers from more debt?

It is common for Graeme and Infinity Group to meet borrowers who purchased homes 6-8 years prior, and had yet to make payments on their principal. At this point, they were only paying the interest on the loan, and thanks to refinancing their debts were now higher than the initial home purchase price. This is one area where Graeme knew he had to do differently when he started Infinity Group. Payments towards interest do not decrease debt. He instills with his clients that they must make payments to decrease their principal loan amounts. One of the most significant and frequent Graeme Holm reviews and his team at Infinity Group is that all clients, 100% of them, reduce the principal of the home loan balance in the first 90 days. Many of them report that they reduce their principal more within the first 3 months with Infinity than they do in the entire previous 12 months.

When Graeme and his partner Rebecca started Infinity Group in 2013, they developed an innovative hands-on method of accountability to help clients achieve success. Clients have open access to a budgeting specialist or “personal fitness trainer” who holds them accountable to manage cash flows and spending habits. Together with their finance manager from Infinity Group, clients create monthly budgets for spending, a plan with achievable goals, and learn to build their own wealth.

At Infinity Group, it is imperative that clients receive side-by-side coaching and accountability, very similar personal training for fitness. Infinity Group managers are always available to clients for assistance and advice on impulse purchases. They also provide regular communication and detailed monthly reports on progress. Clients have ongoing support and also receive the education they need to manage their own success. Infinity Group provides clients access to ia customised wealth portal and online app to manage. Both manager and client can track and report cash flows, with a dashboard that covers spending and an overall financial position for each client.

The other factor that Graeme and Infinity focus on is the client’s discretionary spending. This must be managed meticulously and curbed, because it can lead to a client’s success or downfall. Graeme encourages clients to not spend beyond their monthly household income, since it often leads to purchases on credit cards. Not only does this build further debt, but it adds on costly interest payments as well. Graeme advises “If you can’t pay cash, then you’re not buying it!”. He knows this is tough love, but it is one of the most significant changes that clients can make to break their destructive spending habits.

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GraemeHolm - MoneyMentor

Graeme Holm, the Money Mentor, began his career in financial services at the age of 18, with an inherent passion to help people. He worked for 10 years with a major financial institution, and saw everyday people struggling with the burdens of debt and the standard 30-year mortgage.

As CEO of Infinity Group Australia - a company Graeme co-founded in 2013 - Graeme applies accountability and discipline, and coaches clients to reduce their financial stress and become happier and more secure with their future.

With a proven track record of success, Graeme is recognized as one of Australia’s top finance experts. He was recently named ‘Finance Broker of the Year - 2019 by The Adviser, and was an MBA Top 100 Broker in 2017 and 2018. He is also a financial educator, motivational speaker, and author of The Money Mentor: How to Pay Off Your Mortgage in as Little as 7 Years Without Becoming a Hermit, which became an international bestselling book.

 

Events

Get up close and personal with The Money Mentor! During Graeme’s 2-day Master Class, he meets everyday Australians who are struggling with debts and mortgage payments, and he shows them how quickly the tables can turn.

Imagine cutting 15 - 20 years off your mortgage. That’s over $250,000 in savings!

Upcoming events are below, click for more details and locations.

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As CEO of Infinity Group Australia - a company Graeme co-founded in 2013 - Graeme applies accountability and discipline, and coaches clients to reduce their financial stress and become happier and more secure with their future.Graeme Holm, the Money Mentor, began his career in financial services at the age of 18, with an inherent passion to help people.

Graeme Holm Videos
And Testimonials

Subscribe to our YouTube channel, and search through Graeme’s FREE webinars on money management and budgeting. There are also countless of video testimonials from clients who have followed Graeme’s advice and planning, and who are on their way to financial success!

 

Subscribe To Our YouTube Channel

Get The Book Now!

The Money Mentor: How to Pay Off Your Mortgage in as Little as 7 Years Without Becoming a Hermit, is now an international best-selling book. Graeme has packed the pages with the most important lessons and tools he has learned in his nearly 20 years of experience in finance. He gives proven and realistic strategies for becoming debt-free, and the best part is… anyone can do it!

Get ready for some tough love. Learn to break your bad spending habits, watching your money slip through your hands. It’s time to take control, and make every single dollar count towards your future.

Get The Book Now!

The Money Mentor: How to Pay Off Your Mortgage in as Little as 7 Years Without Becoming a Hermit, is now an international best-selling book. Graeme has packed the pages with the most important lessons and tools he has learned in his nearly 20 years of experience in finance. He gives proven and realistic strategies for becoming debt-free, and the best part is… anyone can do it!

Get ready for some tough love. Learn to break your bad spending habits, watching your money slip through your hands. It’s time to take control, and make every single dollar count towards your future.

Get In Touch Now

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Infinity Group Australia

Level 6, 5 Celebration Drive Bella Vista, NSW 2153

1800 4634 6489
info@infinitygroupaustralia.com.au
  • Rachael is fantastic looking after our finances and we are looking forward to a long and happy relationship together with our future finances looking much more promising these days.
    ROBIN & VICKI
  • We have been involved with Infinity for the past 2 1/2 years. What we love about Infinity is they always keep us in line and on track, sending us a little nudge from time to time when we need to be focused. Dealing with Xandri, Graeme and the rest of the Infinity team has been easy, no drama and hassle free.
    IAN & TANYA
  • We have been with Infinity for 2 years and what we value the most is their friendly and approachable manner and how they always make us feel comfortable and at ease. The most important thing is that they put us back on track financially and we couldn’t have done it without them, we are indebted to Infinity.
    WAYNE & GRACE
  • An expert told us that we were not in a position to buy an investment property. Since joining Infinity we have four and own our own home.
    ANDREW & KARENE
  • I have been with Infinity for 2 years and they have been a wonderful support for the time that I have been with them. They have helped me to get to a long term goal of having an investment property and managing to save money so that I can hopefully retire early and have a better life.
    LYN
  • Infinity have a complete package to offer and they have held my hand all of the way and made me feel confident that I was in good hands.
    PATRICIA & CATHERINE
  • The people at Infinity actually care about you, they care about your family, so I absolutely highly recommend them to anyone.
    MICHAEL
  • Through their support and advice, Infinity Group enabled us to achieve the financial freedom we want in our retirement.
    DOUGLAS & LETETIA
  • Our finances are now in control. we are no longer spending on a whim and if there is a need for any other expenses we can consult with our personal banker. We feel in control at all times and we know where our money is going and what it is doing.
    AISHA
  • Thanks to the Infinity team, we’ve now purchased our first family home which we never thought we’d be able to do.
    JAYSON – NRL PLAYER
  • Thank you to Graeme, and the whole team at Infinity, for helping us to create a realistic and achievable plan to set us up for the life that we want to live in an early retirement
    CHRISTINA