How Does This Work? 

Homeowners across America have been taught that paying on a mortgage for up to 30 years is just something that you have to do if you want to own a home.

The program teaches us to use our hard-earned cash to strategically pay off debt, increase our equity and available funds and puts us in a better position to accumulate wealth. 

Our program shows you what to do. It simply directs you to exactly which debts to pay down faster, how much to pay and when.

Find out if you qualify >

Check if you qualify

Take the 15-second assessment to see if you qualify.

Receive your FREE report

Our experts will produce a free report which will show you just how fast you could pay off your mortgage

Save time and money

Relax knowing you could become debt-free in as little as 5-7 years

The Process In More Detail

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Our Process

We review your current mortgage to work out what could be available to you.

Our advice is FREE with no obligation. The purpose of the initial call is to understand the best options for you.

We provide you with a bespoke plan and once you agree we will submit your mortgage application on your behalf.

Rest easy knowing you have managed to reduce your mortgage term by up to 8 years without increasing your monthly payments.

Free assessment >

About Proper Mortgages

Our goal is simple. We want homeowners to get the best mortgage deal possible for their situation.

No-one wants to spend their evenings and weekends wading through over 3,000 mortgage products, just to find the best deal for their circumstances. Then you have the… let’s be honest... unhelpful jargon and requirements that come with submitting a mortgage application.

It can be off-putting at the best of times. And that’s where we come in!

Our team scour through our network of mortgage contacts and find you the best deal possible.

All you need to do is take one of our free online assessments to see if you qualify. If you do, we’ll match you with one of our specialists who will be able to help you based on your circumstances. They’ll get in touch with you to confirm what you need before they go ahead and search the whole market and find the best deal for you.

No matter what your situation is, our advice is free and no credit checks are required upon initial enquiry. Let us help you get a Proper Mortgage!

Let's take the example of a typical mortgage in the US. In this case, we will call the family The Smith family. They have a standard 30-year, $300k mortgage at 4.5 % interest, with a monthly payment of $1,520 per month (principal and interest). The Smiths also have a little less than $24,000 in miscellaneous consumer debt.

Based on the table below, you will see that only $395.06 of the Smith's first month's mortgage payment actually went toward paying down their mortgage principal, with $1,125.00 (or 74.0 % of their payment) going toward interest (i.e. profit for your bank!). 

Moving on to the next month, May 2021, only $396.54 went toward paying down their mortgage principal, with $1,123.52 (or 73.9 % of the payment) going toward interest. 

So, for month two, the amount going toward principal only increased by a whopping $1.48. And in the third month, June 2021, the amount going toward principal only increased by another $1.49.

Frequently Asked Questions

I have other debts, can this work for me?

Yes! Whatever debts that you have, you can also put them into the program and it will calculate the optimal way for you to cut your debts in the fastest time.

Do I have to change my lifestyle?

No. The best thing about our program is you don't have to alter the way you live right now for this to work for you. The technology will guide you on what payments to make and when to pay them.

I have bad credit will this work for me?

It doesn't matter what your credit rating is. In fact, our program is proven to work with or without good credit AND may even improve your credit.

Do I need to refinance?

No, this is not a refinance program. This works with any mortgage with any lender.

Find out if you qualify >About Us


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For roughly the FIRST 15 YEARS of their mortgage, the majority of their monthly payments are being credited toward interest. It would take 19.75 years (or 237 months) for the Smiths to pay down only half of their mortgage balance. No wonder it takes 30 years to pay off a mortgage!

Now let's take a look at the total amount of interest that would be paid on a fully amortized 30-year, $300k mortgage at 4.5% interest. 

At $547,218.25 ($247,218.25 in interest payments, which equals 82 % of the original $300k loan amount) you could have purchased almost TWO of these houses! 

This is what our program helps you avoid.

What Home Owners Across America Have To Say

“I cannot tell you how excited I am heading toward paying off our mortgage and our 2nd mortgage in less than 5 years. Light at the end of the tunnel! Thank you for such a wonderful program!!!” 

Carrie T.

“This is the best debt-reduction system we have ever seen. We reduced our mortgage payoff date from 27.5 yrs. to 8.3 yrs.! Since we are almost 50 yrs. old, it makes retirement look a lot more attractive”

Robert & Denise K.

“As a single woman, I look forward to the savings I will receive from my program. Best of all, to the peace of mind of facing retirement age without a mortgage payment! ”

Victoria C.

How 7,248 Americans a week are saving thousands on their life insurance policy...

Need Life Insurance but don't know where to start? Comparing life insurance providers could save you $1,600 or more per year!

If you are looking for life insurance coverage, you may be able to save thousands of dollars on a policy with exactly the same terms by comparing premiums across multiple insurers. Answer these simple questions and speak to one of our approved panel of brokers, who compare over 80 insurers to find the best deal for you. Get up to $1,000,000 in coverage without a medical exam.

Easy to understand, impartial, advice

No medical or blood work required. 

Quick and easy coverage that can be done over the phone

Why Speak With One Of Our Advisors

Frequently Asked Questions

I have pre-existing health conditions, can I still get covered?

Yes! Non-medical life insurance is the perfect option for Americans with pre-existing conditions. Where other large insurance companies may rate your policy or decline you, the companies our advisors work with specialize in helping to insure you can get coverage. 

How much is life insurance?

Term life insurance is generally the least expensive type of life insurance you can buy. Your specific premium will be based on your age at the time you purchase the policy, as well as on your overall health. 

I'm a tobacco user, can I still get coverage?

Absolutely! In fact, if you haven't used tobacco products in the past 12-months you could possibly qualify for non-smoker rates.

Are you sure there are no medical exams?

That's right, with a non-medical insurance policy you don't need to have a medical to get coverage.

Find out if you qualify >Get Covered

Life Insurance For Everyone

Easy Application
No medical exam is required. Apply in the comfort of your own home and get a quote and covered in less than 10 minutes.

Always low premiums as we match you with the most cost-effective insurer

Choose the type of policy, term and coverage amount that suits your needs.

Cover up to $1,000,000 with no medical exam required. A policy is available for everyone.

Some carriers provide rewards and discounts for living a healthy lifestyle. 

Get Covered

Copyright 2023 – Future Covered – All Rights Reserved

Future Covered does not directly offer life insurance or advice concerning life insurance. This website is a free service to determine if a life insurance policy is a good idea for you or not. This site is in no way affiliated with Facebook or any State or Federal government departments. By completing our insurance assessment your details will be shared with a licensed insurance agent who is best placed to assist you based on your personal circumstances.

Savings of $1,600 or more are based on comparing the premium of the highest and lowest insurer for life quotes between 01.01.2021 - 01.01.2023. Savings may vary based on a number of different factors such as state, health, and the policy amount. 

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