If you've had your mortgage for several years and have left it unchecked, 
chances are you're paying loyalty tax to your bank. 

We have a solution that is quick, easy and saves your hard earned money.
Eliminate your loyalty tax with our signature framework

On average, we save our clients $122,215.06  
and slash their loan term by 
6 years and 10 months*. 
Our online application process is, quick, user friendly and makes implementation of 
the framework simple and easy to understand.  

We know you lead a busy life, so we do all the work for you (for free) while you 
get on with the day to day grind.

Don't pay loyalty tax to your bank. 

We have helped hundreds of Australian families take 
control of their finances allowing them to pay off their 
mortgage the smarter not harder way. 
To learn what loyalty tax actually is and how to eliminate it, watch our video. 
"The Secret of Getting the Best Results for Your Small Business Is Joining the Inner Circle."
Russell Brunson

Meet John Kennedy, the director of TIDE financial and the creator of 
the LIFE LEVERAGE framework. 

John has been in the finance industry for over 20 years holding senior positions in both Private and Commercial banking for a number of Australia's leading banks. 

However, in 2017 John turned his back on his corporate career and decided to launch his own brokerage and he hasn't looked back. 

John is a man on a mission. 

Ever since his own bank charged him loyalty tax he has been on a undertaking to 
eliminate loyalty tax one family at a time. 

Life Leverage will eliminate your loyalty tax, safeguard against it ever returning and ensure that your hard earned money stays in your pocket and not your banks. 


The majority of mortgage holders have little to no idea where all their hard earned cash goes each month.
Life Leverage will give you clarity around this and stop you living from month to month. 


Is your mortgage your biggest monthly expense? 

Don't pay anymore than you need to by eliminate your loyalty tax.  

On average the Life Leverage framework saves our clients $122,215.06 and slash 6 years and 10 months off their mortgage term. 


Paying off your mortgage the smarter not harder way and becoming debt free in your 40's rather than your 50's or even 60's would open up a whole new world of possibilities for yourself and your family. 

Imagine a life where you didn't have a mortgage repayment hanging over your head each and every month.
If you'd like to learn more about the Life Leverage framework and how we can eliminate your loyalty tax, watch our video here: 
What are people saying about John & the  
Life Leverage framework?

Winston & Anne Marie

We always thought that refinancing our mortgage was too much hassle and that we couldn’t get a better deal then what we already had. 

John proved us wrong! 

John has made the process of refinancing hassle free, he got us a much better deal.

 Set us up to save $140k in interest and repay our mortgage nearly 6 years earlier without increasing our repayments! 

Thank you again John!

Rob & Beth

We highly recommend John.

He helped us navigate through a tricky refinance and ended up saving us approximately $400 per month from our previous mortgage. 

Thanks so much John

Linda & Will  

I read Johns post some months ago and as John states I put it in the too hard basket! 

Until we chatted he gave me a full explanation in writing how I was getting ripped big time, how much I could save and the bank was in control of my life. 

It was a very smooth transition John did all the hard work get on board you will not be disappointed.


Watch the case study video where we show you how Life Leverage works. 


Book yourself in for a FREE 15 minute strategy session call where we'll show you exactly how much loyalty tax you're currently paying.


Using our streamlined online process, we'll implement the Life Leverage Framework for you while you get on with life. 
To find out exactly how much better off you'll be with Life Leverage book yourself in for a FREE 15 minute strategy call. 

On average, Life Leverage sets our clients up to become mortgage free 
6 years and 10 months earlier and save $122,215.06 in the process.
© Copyright 2018  - All Rights Reserved, 
TIDE financial Pty Ltd
TIDE financial Pty Ltd & John Kennedy are authorised credit representatives (503360 & 503361) of Mortgage Australia Group Pty Ltd and Members of the Finance Brokers Association of Australia (FBAA) 

*This is an average taken from a selection of the results gained from all clients during a specified time period. Individual results may vary. 
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