Start With Our LIFE Quiz To Become Weathy

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"If you set the right goals, you can achieve them and enjoy your rewards."

– Andrew Malcolm – Co-Founder of mortgagehq

Everyone loves big goals. But big goals don’t help you take immediate action.

  • You may dream of a life where you are 100% confident your kids eat healthily, are well educated, and you can help them into their first home.
  • You may dream of starting a business. And you imagine starting from a position of strength, like being mortgage-free.
  • You may not care much about money as a goal. But dream of the freedom to follow your passions.
  • You may dream of becoming a developer and building homes for Kiwis to live in.

 

But how do those dreams help you today, and tomorrow? They don’t. Use our LIFE model to break your big goals down into actionable steps.

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Grow Your Passive Income

The wealth-building lifecycle is about managing your risks and rewards to become wealthy. 

Financial freedom is not some myth. It starts when your passive income (income from your investments) contributes meaningfully to your expenses.

We can provide support on some simple strategies and tips to help you manage your risk to grow your rewards so we can accelerate you on your journey toward financial independence, security, and abundance within the next ten years.

We simplify this with the acronym LIFE because your wealth-building journey becomes easier once you know what is required.

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What is our LIFE model?

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LEVERAGING Intelligently

Leverage adds an advantage. Intelligent leverage is borrowing from your future-self to buy an appreciating asset like a property investment where you can create income to recycle into your next investment.

You can use leverage to accelerate your property investment returns because the rewards can be bigger and compound faster.

We can show you how to:

Achieve your goals

Align your habits and skills to help you achieve your goals.

Strong foundation

Build a strong financial foundation to grow cash flow properties and capital gains that exceed the rate of inflation.

It's all about balance

Focus on yield so you can balance your cash flow with equity growth to get the most out of your borrowing power, like identifying IRD interest deductibility.

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Insuring You Become Wealthy

Life happens. The last thing you want while you’re building your wealth is to encounter a setback, like losing your job or a medical condition, where you have to sell an income-generating asset to cover your expenses.

We combat predictable medical challenges like cancer and illnesses likely to impact your financial freedom journey by recommending you have the right insurance in place, such as health insurance, income protection insurance, and life insurance.

While on your wealth-building journey, you should always protect yourself against inevitable mishaps and disasters.

To reduce your risk, we can:

Understanding

Help you understand how insurance is an investment, not an expense.

Assess risks

Assess your risks and requirements to ensure your income continues to help you get rich despite what life might throw your way.

Quotes

Provide life insurance quotes to small business insurance.

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FUNDS to Diversify Your Investment Strategy

Throughout your journey, you want to make sure you’re getting advice on the most appropriate KiwiSaver and other managed funds for your risk appetite.

We complete regular check-ins to:

Alignment

Manage your strategic asset allocation and ensure your KiwiSaver and investment funds are aligned with your risk tolerance throughout your life’s changes.

Strategies

Ensure your income allocation tactics are aligned with your investment strategy.

Reduce distribution

Rebalance the distribution of your income across your assets.

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END GAME to Work Back From

It’s critical to have a goal in mind that you can work back from. You can create a plan to take 100 different steps over ten years to make your wealth-building journey manageable.

You have to think and have an honest conversation with yourself about what this might look like – is it:

  • $100k of passive income?
  • How to become a millionaire?
  • 10 mortgage-free rental properties?

Imagine a future where your investments work for you. One of the most reliable ways to build wealth is through property investment. Whether you’re a beginner looking for rental property or an experienced investor wanting to access alternative real estate investment strategies, we’ll show you how to grow your passive income from investing in property. Explore the best cities for property investment and strategies to help you get rich through real estate.

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Client Success Stories

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How Hang Made $900,000 in 5 Years

 

Background

Hang was feeling frustrated. She was pulling serious overtime hours but still only earning around $50,000 per year.

 

Solution

2016 – First meeting with us.

  • Property portfolio value (only her home): $665,000
  • Total mortgage: $320,000
  • Total equity/property net worth: $345,000

 

2017 – Bought first investment property for $190,000.

  • Earning $16,640 rental income per year.

 

2018 – Recycled equity to buy second investment property for $180,000.

  • This property was earning her $17,160 rental income per year.

 

2019 – Bought 3rd investment property for $285,000.

  • Again she sourced this deposit by recycling equity from her home and previous investment properties.
  • This was earning $20,800 rental income per year.

 

2020 – Bought her fourth cash flow positive investment for $334,000.

  • This was earning $20,800 per year.

 

2021 – After discussing options with us, she eventually decided to sell her first investment to reallocate capital into a new potential property development.

  • She sold her 2017 investment property – doubling her money!
  • Then purchased a $500,000 two unit property on a 2,600m2 section.
  • This property is earning $31,200 whilst land banking!

 

Outcome:

  • Portfolio value: $2.8 million
  • Portfolio equity: $1.2 million (also her net worth in property)
  • Annual portfolio profit: $28,000+
  • Earnings: +$500 per week just from her property investments.

 

Future Plans

She has achieved her dream of becoming mortgage free in just 5 years. Every day Hang wakes up knowing she is able to sell part of her portfolio to clear all her debt.

Or, if she sold all of her properties she would have $1,200,000 in her bank account.

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Calculating Rental Yield at 9.55% for Travis and Bex, Who Generate $1,100 in Rental Income

Background

Family of 3, Travis working full time and Bex working part-time, had invested in a couple of land banks in their portfolio and have made significant gains. However, with the rise in interest rates in 2023 and no longer being able to deduct the interest rate expense, they began questioning their investment strategy and needed guidance.

Solution
Travis booked a free strategy session with us to explore alternative options for their portfolio. During the session, we introduced them to the concept of building a more balanced portfolio to mitigate the impact of interest rate changes. Despite having cash reserves to weather the interest rate rise, we proposed adding a block of units to their portfolio to further enhance its performance. Travis felt he really need to expand his knowledge, so he joined our Property Formula Workshop as well.

Outcome
Travis and Bex decided to proceed with our recommendation and acquired a block of units at a cost of $598,000 which included all healthy homes cost and finders fee. This property generated a remarkable rental income of $1,100 per week from social housing, resulting in an impressive yield of 9.55%. To optimise their overall portfolio, we strategically shifted the debt from the land banks to this new property, allowing them to reduce their interest expenses and make the property’s interest tax deductible. This significant boost to their portfolio has given them renewed confidence.

Future Plans
With the success of this transformation, they are now considering offloading one of their land banks to acquire two additional multi-unit properties. This strategic move will further diversify their portfolio and create a more sustainable income stream for long-term wealth building.

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How Joe bought 17 rental units, with 100% finance to earn $7,340 rental income each month

 

Client Background

Joe, the breadwinner of a family of four, had diligently paid off their mortgage and was on the verge of becoming mortgage-free. However, he faced the question of what to do next. Living off a mortgage-free family home wasn’t enough to fulfill their long-term financial goals, and they lacked investment and retirement plans to secure their future.

 

Challenges and Concerns

Despite considering new builds and the government benefits associated with them, Joe had reservations. He questioned the cash flow negativity of these properties and doubted the capital growth potential due to their small land size.

 

Solution
To address Joe’s concerns and guide him towards a financially sustainable future, he participated in a free strategy session with us. We developed a 10-year plan that leveraged his existing resources and focused on building secondary income through property investments. Joe also joined our Property Formula Workshop and became part of our tight-knit community for ongoing support and knowledge-sharing.

 

Outcome

The results of Joe’s journey were remarkable. Within just eight months, leveraging our network and expertise, he successfully acquired three blocks of units in regional main centres with a total acquisition cost of $4.2 million. These properties were 100% financed using their freehold owner-occupied property. The portfolio comprised 17 rental units, generating a substantial rental income of $7,340 per month.

 

Future outlook:

Notably, each purchase was cash flow positive, despite the challenging interest rate environment and the recent changes to interest deductibility rules. Joe now has full confidence in his investment strategy, even assuming a conservative 6% annual capital growth. Over the next 10 years, this portfolio is projected to add an additional $3 million in equity, providing Joe with financial security and ensuring he will have more than enough for retirement. Additionally, it offers him the flexibility and options to support his children’s future endeavours.

What stage are you in?

Take our LIFE quiz to  managing your risks and rewards discover what mortgage lifecycle you are currently in. 

Take the QUIZ

Right now, you should focus on education and numbers.

Why numbers? A clear understanding of your life’s numbers and your investing numbers causes them to become your guiding light and enable you to take action, even when others are fearful or can’t see any opportunities. 

As humans we are not inherently good at statistics or numbers based decision making. Most people would feel uncomfortable taking a 10% chance on an investment and not do it. But let’s get statistical look at how “bets” like that eventuate…

Imagine that this chance costs $1,000 and you have 10 opportunities like this. What will happen?

  • You're going to invest $1,000 into 10 different opportunities bringing your total invested to $10,000.
  • 9 of these opportunities will tank - reducing your investment to worthless.
  • But 10% of them (one), will do extremely well, increasing in value 100 times to $100,000.
  • In the end, you would have turned $10,000 into $100,000.

This is of course an extreme example of investing. Fortunately property historically does not come with a 90% chance of your investment becoming worthless :). But the point is important, when you understand the numbers you are empowered to take actions that can earn you a lot of money – even in opportunities that at first glance don’t look good. In fact often these bad looking opportunities are the best available because they have been passed over by most people which lowers your purchase costs. But only if the numbers stack up for your goals and situation.

Right now I encourage you to focus on three things:

  1. Where you’re at: Get 100% clear on your current situation. What is your income, what is your usable equity, is your mortgage structured correctly?
  2. Your long-term goal: Be 100% clear on what you want. Are you trying to get mortgage free? Or build $120,000 of annual profit from your investment portfolio? Or become a millionaire?
  3. Make a plan: Work backwards from your long term goal to create short term goals, and then actual tasks to complete to get there.

We can help!

To talk with a qualified mortgage broker or financial adviser, book a 10-minute introductory call. This is a no-pressure, no-obligation call. Our team will help you clarify your situation and goals, and then when you are ready will match you with an adviser from our team.

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What can I learn to generate more profit?

We have a free article video library with a huge variety of content to learn from. But the clients who see the most dramatic financial success go a step beyond and take advantage of our structured education. 

Our Masterclasses

We have masterclasses that deliver you relevant strategies, structures, hacks and advice to achieve your immediate goal as fast as possible. 

Each masterclass is around an hour long, available on demand from our site and has a small cost to purchase access.

Included in the masterclass is a condensed PDF slide deck you can download for studying and a spreadsheet calculator to help you calculate your mortgage loan!

Stage 0: Maximisation

If you're buying your first home.

Gain control over your finances and get into your first home faster.

Masterclass Stage 0

Stage 1: Mortgage Reduction

If you have a home.

Restructure your mortgage and property to pay it off in half the time.

Masterclass Stage 1

Stage 2: Mortgage Expansion

If you have home equity or cash.

Set yourself up to buy 3 investment properties in 5 years.
Masterclass Stage 2

Stage 3: Mortgage Optimisation

If you have an investment property portfolio.

Transform your property portfolio into a profit machine.
Masterclass Stage 3

3 Property Accelerator

 

Our 3 Property Accelerator is a 7-day sprint. It serves as an introduction to our Property Formula Workshop. Over the 7-day sprint you will learn the core principles and strategies at a deep level to progress through Stage 2 | Expansion. You can upgrade to the Property Formula Workshop and get a credit for the cost of this course. 

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Property Formula Workshop

Our Property Formula Workshop is an 8-week course, delivered online, so you can do this at your own pace. The 8-week format allows you to get step-by-step instruction on how to achieve your goals and propel yourself to financial freedom using our LIFE model. This equips you to master Stage 3 | Optimisation. BY APPLICATION ONLY.

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Financial Freedom Faster

Take our LIFE Quiz to find out how.

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