The Mortgage Lifecycle

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

Blandon Leung – 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 the Mortgage Lifecycle to break down big goals into actionable steps.

Building Wealth - Learn The Mortgage Lifecycle Experts Swear By

A few homeowners come to us because they want to become mortgage-free years earlier, potentially saving hundreds of thousands of dollars in interest payments to the bank! Most however wouldn’t dare dream of such an audacious goal. You may not even believe it is achievable – but we’ve helped ambitious homeowners achieve this crazy goal over and over again. 

We’ve now gone full circle and described the path that these clients have taken to achieve their dreams. We’ve called it the Mortgage Lifecycle, and it is helping new clients follow through to achieve their own financial freedom. 

You can use the mortgage lifecycle to assess where you are right now, and what you should be working towards over the long term. Most importantly though, you can use it to identify what you should do right now. 

What is the mortgage lifecycle?

After talking with well over 5,000 people, we found that most people’s passive income goal was around $80,000 per year. So the Mortgage Lifecycle was created as a pathway from your first home through your first investment property and all the way to earning $80,000 of annual portfolio profit from property investments. 

Unfortunately, the Mortgage Lifecycle is not the default path, most Kiwis never leave Stage 1. Instead of building a plan (or following ours) every 3-7 years they upgrade their home maxing out their mortgage again – this is the exact problem we are helping clients solve by introducing them to this concept. 

Each stage in the Mortgage Lifecycle suggests a goal to work towards – which also acts as the ‘gateway’ into the next stage. Meaning that as soon you achieve your goal for Stage 1 you are then ready to work towards achieving your goal for Stage 2. 

Entry point: Working full time and have some Kiwisaver.

You may find getting into your first home a near-impossible task and you may feel like life is not fair. Maybe you’re making little to no effort to progress financially, or perhaps you are saving frantically but feel like prices are going up faster. Your aim while in stage 0 is to gain control over your own finances through income allocation, setting up the right goal and having a proper plan in place. This will then get you into your first home significantly faster. 

Goal: Build up a 10-15% deposit.

Win: Get the exact roadmap to get your friends in for a BBQ 3-5x faster.

 

Case Study: Martini and Vaea

Client Background 

Vaea and Martini was your typical hardworking Kiwi family working in the public sector earning $80,000 – $90,000. They had 3 amazing children ranging from 9 – 18 and they resided in Hamilton. 

Before

The objective – Owning a home for them meant security. It meant progress, it meant you own something you can call your own and enjoy with your friends and family. 

The problem – Putting together a deposit seemed impossible. They felt like they have been saving forever but saw very little in their bank account, and property prices always seemed to be rising faster than they could ever save.  

The facade – They told everyone that family was a priority and that was why they didn’t go for it. Truth be told, internally they felt defeated, and ashamed and did not feel like they had much control over their financial life. 

After 

The solution – Decided to get a strategy session with an hq adviser. They set up the right financial foundation by implementing income allocation in their spending habits. They also put a proper plan in place for their deposit goals and learned about what position they needed to be in before the bank would lend them money.

The result – Instead of waiting for another 3 years like they initially thought, they were able to get into their first home within 6 months with some proper guidance and advice from wealthhq and mortgagehq!

The celebration – They felt ecstatic. They took back control over their finances and were now making progress towards the future that they wanted.

Entry point: Owning your first home.

The honeymoon phase of owning a home is over. You now realize what you own is not a home, but a 30-year mortgage that you are a slave to and the bank owns you. Your aim while in stage 1 is to reduce your mortgage as fast as possible. This then creates two options for you. Either continue paying it down with your income, or recycle your home’s equity and start building your investment portfolio which can pay your mortgage off for you.

Goal: Build $150,000 or more of usable equity.

Win: Save hundreds of thousands of dollars of interest by slashing your mortgage-free timeline by 10-20 years.

 

Case Study: Aaron & Shirley

Client Background

Aaron and Shirley were a young professional couple – an engineer and accountant in Christchurch, who were soon to have kids.

Before

The objective – They wanted to follow their friend’s footsteps, to buy in prestige school zones and buy a house with a modern ‘island bench’ kitchen.

The problem – Not sure what to prioritize, whether to upgrade their home now or later. Their mortgage was already hard enough as it is and it didn’t seem to go down. They didn’t want to sacrifice the lifestyle that they had. 

The facade – Felt confused and overwhelmed with the different directions they could take. They wanted to keep up with their friends, but were worried about taking on additional debt.

After

The solution – Decided to get a strategy session with an hq adviser. Their new goal was to upgrade without increasing their loan significantly. They ended up with a plan to immediately pay down their mortgage faster, got a small top-up to renovate their kitchen and started reinvesting their equity instead. So when they upgraded later, they had rental income to pay for some of the additional debt. 

The result – They are on track to pay off their ’30-year mortgage’ within just 10 years without sacrificing their lifestyle and they can see how much faster they would build their equity faster to upgrade later without big debt stress. 

The celebration – Felt determined and proud of their progress. Got clarity on when and how they could achieve their financial goals.

Entry point: $200,000 or more of usable equity* or cash.

Realising you can recycle equity out of your home into an investment property is a great moment to have, but caution, rushing into an investment property is not the fastest way to success. Your goal while in stage 2 is to buy properties that fulfill a specific goal in your larger plan. We’ve seen many people make property decisions that slowed them down significantly – unable to get finance additional properties for growth. We navigate you through this by looking ahead at how this investment will affect your future options. Will this purchase allow you to go on and buy another property – or will it stop you in your tracks?

*Usable equity in your home (Value of home x 80% Less your mortgage)

Goal: Buy your first 3 investment properties that will later transform into $80,000+ net cash flow.

Win: Sleep easy knowing you have created your financial safety net and certainty you’ll reach financial freedom.

 

Case Study – Keung and Candy

Client Background
Keung and Candy were a young professional couple in Auckland with 2 kids in daycare. Keung ran a consultancy firm with high growth and Candy was an architect.

Before
The objective – Wanted to build wealth to give their kids as many financial options as possible and retire their parents.

The problem – Time was money for them and they were simply too busy. Although earning more than the majority of their friends and had a lavish lifestyle, they had very little time for their kids, let alone the extra mental capacity to think about how to build their wealth.

The facade – Often overworked and at times burnt out. Felt like they were running on a hamster wheel to maintain what they had.

After
The problem – Decided to get a strategy session with an hq adviser. Got clarity on what their financial future should look like and what they needed to focus on. They put a plan in place to maximize their financial position to build wealth, set up tax-efficient structures and freed up more cash flow.

The result – Built a $2.1million property portfolio in 18 months to set up their financial future, knowing they are on the right path towards $150,000 passive income.

The celebration – Gained clarity and control of their financial future. Finally felt like their money was working for them instead of the other way around.

Entry point: 1 million dollars of property investment equity*.

Over time your plans change, the environment changes and bank policies change. Even if you followed a plan you need to continually reassess how you’ve allocated your capital. What are your new big goals? How can we transform your portfolio to achieve these goals? Do you need to trade properties (sell to buy again)? Do you need to restructure your mortgage to reduce cross-securities? Has your portfolio become lazy (high value but relatively low cash flow)? Your goal while in stage 3 is about carefully reshuffling lending, properties, and strategies to ensure your hard work is going to pay maximum dividends in the years to come.

*Total equity in your investment portfolio (Value of Portfolio Less Mortgages against Portfolio)

Goal: Unlock maximum cash flow from your portfolio while maintaining capital gains.

Win: An optimized portfolio that is achieving your new goals, whether that be cash flow so you can quit your job, or opportunities for large equity gains.

 

Case Study – Josie and Sandeep

Client Background

Josie and Sandeep were hardworking Kiwis – an IT consultant and Lecturer in Wellington. They had 3 beautiful kids and one about to move out.

Before

The objective – Had built a sizeable property portfolio over the years. They felt it was time to upgrade their home, work a little less and live partly on their investments.

The problem – They were asset-rich cash poor. Although lots of equity, the income wasn’t there. Still had to work to service the loan and the bank wouldn’t lend them more money to upgrade their home.

The facade – Although all their friends looked up to them, they felt stuck and defeated. Even though they seemed to be financially better off than many, in reality, they had fewer options because the interest rates were rising on their big mortgage.

After 

The solution – Decided to book a strategy session with an hq adviser. They learnt how to set up a proper exit strategy. They also further expanded their knowledge in property investing and realize they can replace some of the lower-performing assets with higher cash flow assets.

The result – A mortgage restructure gave them both more financing options and cash flow. They also had a 2-year plan in place to turn their negative cash flow portfolio into positive $100,000+ passive cash flow and later downsize to their dream retirement home.

The celebration – They finally started to see how they can enjoy the fruit of their labour. Felt in control again and got clarity on exactly how to achieve what they wanted.

CUSTOMER REVIEWS

Maihi Wineti
Maihi Wineti
1713251716
Anna Savage was the advisor that assisted my Mother and I in purchasing our first home. She was an absolute gem throughout the entire process. Her expertise, professionalism, and dedication made what could have been a daunting experience incredibly smooth and stress-free. From explaining the mortgage process to finding the best rates we were impressed with how Anna went above and beyond to help us get through the process. Her communication was prompt and clear, keeping me informed at every stage of the process. I couldn't have asked for a better mortgage broker. Thank heaps Anna!
Ash Nicholson
Ash Nicholson
1713240984
Continued great experience with mhq, have used them for years for all of our mortgage and advise and they continue to be the best in the business!Can highly recommend Andrew and his team!
Moana Baker
Moana Baker
1713239976
I absolutely cannot praise the team at MortgageHQ highly enough! Their hard work, communication, and dedication to assisting my fiancé and me were truly exceptional. The journey of purchasing our first home can be quite overwhelming, but the team made it incredibly smooth for us! As first-time homebuyers, we naturally had a lot of uncertainties, but Anna & Marcia were consistently available, even when I reached out late at night, to reassure me and address any concerns. I genuinely had nothing to worry about, thanks to their support. A huge thank you to MortgageHQ, with special recognition to Anna & Marcia. #clientforlife 🙂
Jaspal Singh
Jaspal Singh
1712214977
After being discouraged by many mortgage brokers who informed me that I was not in a position to buy property on my own, I decided to give MortgageHQ a chance and Simon McDonald did not disappoint. Simon’s confidence in being able to secure a loan gave me confidence. I wholeheartedly recommend MortgageHQ to anyone who wants to explore options related to mortgages or property and a special thanks to Simon for his time and dedication to making it all possible.
Steph Voice
Steph Voice
1711410227
Fraser Nicholls
Fraser Nicholls
1711154660
Fantastic service by and efficient and professional team. Simon and his team know their stuff and are very responsive in answering questions. Most defiantly would recommend to anyone
John Padrigo
John Padrigo
1710809401
Thanks to Ray and the team at MHQ. The financial advice that they provide to clients and educational YouTube videos and podcasts will empower you with knowledge for your personal and investment journey.
Nitesh Prasad
Nitesh Prasad
1710403572
Edward Hackney
Edward Hackney
1710196049
Awesome team, great advice, super fast to respond, can't rate MortgageHQ highly enough.
Definitely recommend MortgageHQ. My second time using them. For this one we did a mortgage refinance and the whole process was seamless. Done via emails, a couple of phone calls and zoom.Marcia and Yan made the entire process stress-free, and were more than happy to answer my questions. Very approachable and easygoing, pleasant to deal with and knowledgeable in their field. Huge help especially as working parents.
Raquel Cole
Raquel Cole
1709619531
MHQ offer a great service. Our broker Zhiyang was professional, responsive, and understands the industry. Working alongside him was Kevin who kept us updated on progress with our applications. Highly recommend this business!
shane murphy
shane murphy
1709608840
This is the first step in my journey to build equity and create passive income.What can I say, it was an awesome experience, when you are borrowing 100's of thousands of dollars you are as nervous as hell, will you make the right decisions, what bank will you use, and the list goes on.Right from the start where we talked about finances and whether we had enough to buy a house, to going through all the details to finalise the mortgage. There were a number of people helping but in the final parts Simon & Marcia helped us get over the line, in our most nervous times.This is a longer story, but to keep it as succinct as possible, we are really grateful for the help. We will definitely be back for step 2 of the journey.
Pokia Kitara
Pokia Kitara
1708502051
A big thank you to Cairo who helped us made everything possible. He brought confidence, knowledge, honesty and professionalism. He planned out exactly what we enquired. Our processes with bank went on smoothly. Couldn't be happier.
Anna and the team were amazing! This was my first mortgage and they were so helpful every step of the way.
Kevin Crowe
Kevin Crowe
1707793551
Frankie, Blandon and the team were great to work with and got me a great deal on finance. Highly recommend!
I've done my mortgage 5 years ago with David, and it was all very good. We've done a refinance a year ago to get better rates and a good cashback. The rates were better than what the banks offered at the time. Since then, I have been working with Ray Wang. Very recently, I was able to make offers without a pre-approval ready, with only requiring 3 working days on the finance clause. We got an offer accepted, and we've bought our second property. They move real quick when it matters. Thank you!
Boren Xue
Boren Xue
1706661843
Ravi Raju
Ravi Raju
1706481236
Remortgage Transition with Exceptional SupportI recently underwent a remortgage process, and I am pleased to share my positive experience with the team that facilitated the entire transition. Choosing to work with a third-party broker initially made me hesitate, but it turned out to be the right decision.Anna and Macia, as part of the team was instrumental in ensuring a smooth and hassle-free remortgage process. One of the standout aspects of their service was the ease of communication. Whenever I had queries or needed assistance, reaching out to them was quick and convenient.Dealing directly with the bank staff would have likely posed significant challenges, and I am grateful for the support provided by the broker. The team's expertise and responsiveness were invaluable, and I am confident that I made the right choice by entrusting them with my remortgage needs.In addition to the exceptional service, I also secured a better deal through their assistance. This added financial benefit and also, they did not charge any fees for their valuable assistance.Overall, I highly recommend this team for anyone!
Nicole Vaka
Nicole Vaka
1706094992
We had an amazing experience working with Yan from MortgageHQ. My husband and I initially watched their videos and took the mortgage lifecycle quiz. The next day I received a follow up and booked a call with Yan. At this time I was already in the process of working with a different mortgage broker who was local in my region. However, Yan added so much value through our discussion. He started by asking what my goals and aspirations are and my "why" for owning rental properties. This really resonated with me and it felt like he wasn't just trying to get my business but to help me achieve my "why" through these particular financial goals. My husband and I had quite a few different projects we were thinking about doing i.e. developing our two existing properties that have a bit of land. Truth is we weren't doing anything with the equity and savings we had because we didn't have a clear direction and pathway with the options we were considering. Yan provided some really great insights about the market and got us thinking in a different way, he opened up our mind to the possibilities so that we could consider alternatives. After a 30 minute conversation with Yan, I left with so much more clarity about our current rental portfolio, how to expand this to achieve our goals and our "why" and most importantly I felt empowered to take the next step and had a clear pathway of progression with our projects. The option came up to consider securing another property to build our portfolio and come back to developing our existing properties. We had never thought about this and thought this was many years down the track after the developments, but it made so much sense to try acquire more now while it was a buyers market as we could get a bargain and then benefit from the greater capital gains. Yan was great, he provided really clear next steps and worked with us over a few months to get together everything we needed to submit an application to the bank. My husband and I don't have straight forward income, it's a mixture of salary and business income, Yan made this process really easy for us. His colleague Marcia also really helped with this process. They were both available to chat and really quick with responding to emails when we had to get pre-approvals on properties. They enabled us to complete our due diligence on properties and finally secure a great deal - a block of units with 8% yield, which provided 4 rental incomes. It wasn't just their expertise and experience with mortgage broking, they understood the market and the nature of this business, and as relatively new investors this was really added value. They never made us feel inadequate when we had lots of questions or at any part of the process. We felt really comfortable asking all the questions we needed to and were always provided with great clarity and advice. We know that without our amazing broker Yan we wouldn't be in the position that we are in today and the future positioning this has set us up for. We couldn't recommend the service we have received from MortgageHQ enough! Anyone who asks us will be recommended to MortgageHQ.
BLT Boyz
BLT Boyz
1706082748
Amazing team!!! Very helpful and very responsive
mortgagehq team was really helpful and professional. Especially, Simon was the best. I am really grateful for the support Simon had provided throughout the home loan process.
Ray understood our situation and what we were looking for and helped us achieve it.
hieu nguyen
hieu nguyen
1702353879
James Leslie
James Leslie
1702239224
As first home buyers, this service was perfect. With so many different things to coordinate, it was great having Kevin and Zhiyang to guide us through everything (and not to mention get us a good rate)
Michelle Healey
Michelle Healey
1701821411
Responsive team. Had a great experience.
mike sepulveda
mike sepulveda
1701774866
Simon and Marcia were great to work with. Very happy with the structure that they have provided for our loan and the assistance that they provided throughout the process. Looking forward to catching up with the team to continuously look at faster ways to pay off the mortgage.
Randy Tony
Randy Tony
1701756201
Excellent help from the team, especially Jason Lai and Zhiyang. Very professional and helped us understand the process as we worked through it together. Made the process very smooth and ended up settling on our first property a few days earlier then initially scheduled. Many Thanks team!
Sumit Singh
Sumit Singh
1701734697
REWETI NGATAI
REWETI NGATAI
1701666542
Kevin & Zhiyang helped me with refinancing / switching banks. They go above and beyond, absolute pleasure to deal with and always on hand if you have any queries or issues. Highly recommend MHQ. A+++++
Monica Adams
Monica Adams
1701239003
My broker Yan gave excellent advise and was patient with my endless questions. Overall I’ve had a great experience. Thank you!
The team was really helpful, professional and on top of things from the start. They connected with us at the right time and their holistic view of our property journey gave them a unique advantage when dealing with our main mortgages and borrowing profile. They got us where others could not, and with a smile! Thank you! We look forward to continuing our journey with you!
Kate Hickey
Kate Hickey
1701205174
John Arthur Lam
John Arthur Lam
1701201606
Right from the first contact, Zhiyang our mortgage advisor has been amazing, working through all our questions at our pace and making sure we understood what we going into. What we appreciated was the honesty and the options they provided to make things easier for us. But the biggest highlight for us is knowing that we have a better understanding of how to structure our mortgage, how to save better and how we can possibly pay our mortgage off faster, if we stick to the plan.
jason gabel
jason gabel
1700885879
Blandon and his team expertly found us a cheaper option for our mortgage and a cash back.The move to a new bank was smooth and easy.. I would recommend mortgagehq servies.
vicky halavaka
vicky halavaka
1700706003
Fantastic teamwork, very experienced and professional who know their stuff. They were able to get our refinancing across the line with the hardest bank to get lending. 100% highly recommend for any lending, refinancing and Financial wealth advice. And best of all we didn’t pay a cent! Thank you again MortgageHQ team.
Sriram Annayan
Sriram Annayan
1700684570
Financial advisor, Mortgage advisor and Insurance advisor (Al, Anna & Andy) - A big thank you from us to you! I recommend them for all the above services.
Anoop NK
Anoop NK
1700250897
Buying and Selling a home at the same time is quite a stressful process. Zhiyang, Kevin & Jason at mhq made this process super stress free. Got pre approval within 24 hours to start with. The hardest part was to submit an offer on a new house with minimal conditions. Once the offer got accepted, The team ensured that we got all final approvals in less than 3 days. Very highly rated team and we thank them from the bottom of our hearts.
Regan Stokes
Regan Stokes
1698637702
Anna from mortgagehq was professional, very knowledgeable, understanding, and really good at explaining complex things in a simple way. I would strongly recommend her work; tēnā koe, Anna!
Kerryn Wakelin
Kerryn Wakelin
1697335865
The team at MortgageHQ made buying my first home and navigating the whole mortgage process a breeze. Friendly, helpful and extremely informative throughout, I would highly recommend them to anyone looking to purchase a property.
I don’t think we would have been able to purchase our first home without mortgagehq’s help. We found the property (off the plan) we like at the time when property values were high and settled when property valuations dropped to around 150K below purchase price. Ray, our MA, had been great. He helped us get through a tricky situation and been with us all the way until we finally settled. He’s given us really good advices that helped us make good decisions and we’re very thankful for that. Ray was also well supported by Andrew and Blandon during the most trying times in the process so it’s really quite comforting to know that it’s not just one person, but a team helping us in the process. Thank you mortgagehq!
Ilya Kokine
Ilya Kokine
1696470860
We bought our first property with the help of MHQ. We definitely recommend these guys as they are very professional and always keep you updated. Special mention and thanks to Yan and Marcia!
Spiteski
Spiteski
1696364686
Cairo was amazing. Sad to see him leave but he put in the work for us to get the approval and the house. Marcia also was amazing in getting the last yards for final approval. Great team
Ben Walkers
Ben Walkers
1696361772
Great experience throughout the process. I've contacted MHQ for my first investment property. The team have gone through all the details and provided valuable advice. Highly recommend to anyone who may need Financial assistance.
Vince Fuiono
Vince Fuiono
1696352187
Both Zhiyang C & Kevin P have been a great team. They've provided awesome support & solutions to this novice. We're really happy & fortunate to be working with them as well as learn from this extremely knowledgeable and smart mortgagehq team & community as we build our portfolio
ECO Cubes
ECO Cubes
1695931959
Great broker, highly recommend
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SUCCESS STORIES

Good Advice made Hang $900,000 Dollars 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 advice meeting with mortgagehq.
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, which 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 property with development potential. 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+

She earns over $500 per week just from her 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.

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 elimination of interest deductibility and the rise in interest rates in 2023, they began questioning their investment strategy and needed guidance.

 

Solution
The client 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. He felt he really need to expand his knowledge so he joined our property formula workshop as well.

 

Outcome
The client 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 optimize their overall portfolio, we strategically shifted the debt from the land banks to this new property, allowing the client to reduce their interest expenses and make the property’s interest tax deductible. This significant boost to their portfolio has given the client renewed confidence.

 

Future Plans
With the success of this transformation, the client is 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.

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 centers 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 the quiz below to discover what mortgage lifecycle you are currently in. 

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?

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. Get 100% clear on your current situation. What is your income, what is your usable equity, is your mortgage structured correctly?
  2. Get 100% clear on your long term goal. Are you trying to get mortgage free? Or build $120,000 of annual portfolio profit? Or something more ambitious?
  3. 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 someone from our team, 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 he will match you with an adviser from our team. 

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 three masterclasses, each one tailored to a stage in the mortgage lifecycle. Each masterclass delivers 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 facilitate your number crunching!

Stage 0: Maximization

For those buying their first home.
Gain control over your finances and get into your first home faster.

Stage 1: Mortgage Reduction

For those with a home.
Restructure your mortgage and property to pay it off in half the time.

Stage 2: Mortgage Expansion

For those with home equity or cash.
Set yourself up to buy 3 investment properties in 5 years.

Stage 3: Mortgage Optimisation

For those with a portfolio.
Transform your portfolio into a profit machine.


3 Property Accelerator

The 3 Property Accelerator is a 7 day sprint. It serves as an introduction to the Property Formula Workshop as students upgrade at any time – receiving a credit from this course’s cost to the investment into 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.

Property Formula Workshop

The property formula workshop is a 8 week course, delivered online 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 through the Mortgage Lifecycle to financial independence. This course equips you to master Stage 3 | Optimization. APPLICATION ONLY.