Property Twins | Property Twins™
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Our clients, Mary & John are hardworking Australians. They went from owning just their home in South Sydney to two high growth investment properties within 12 months. This has set them up to add $1 million in net wealth across their assets in the next 8 years!

About Mary & John: Couple in early 30’s with two children. Mary is an accountant and John is a project manager. Their family income was $215,000.

Where they were and what they wanted to achieve:

Mary & John wanted to take charge of their financial future. After watching the Sydney market grow so much, they wanted to take active steps to build wealth for their family. This would provide them with more control and a better future for their children.

Mary & John were ready to start their property investment journey and had a lot of ideas. There was analysis paralysis and they didn’t know where to start. They wanted someone by their side so they can confidently build their investment portfolio, step by step.

Proposed Solution with a Tailored Plan:

1. Correct structuring of their existing home loan so they have flexibility to invest further and also provide them with the opportunity to pay it off sooner
2. Analysis of various repayment types that will help Mary & John leap from to multiple properties
3. Maximise equity released to fund deposits for future properties
4. Strategise and mapping out purchase of the 1st investment property & 2nd 
5. Plan for structuring the purchase of 3rd investment property, as Mary & John build up their savings and equity

Results: In less than 12 months, Mary & John went from just owning their home to purchasing 2 investment properties

Home Equity Release: $274,000

Investment Property 1: House in a high growth QLD suburb with development potential
Purchase Price: $418,000 at 80% Loan to Value Ratio (LVR)

Investment Property 2: House in a high growth QLD suburb with development potential
Purchase Price: $434,500 at 80% Loan to Value Ratio (LVR)

Total Property Ownership including Home: $2.3 million approx. 

Growth Projection: If the properties owned grow by a conservative 5% per annum, Mary & John will be adding $115k to their wealth per year, compounding year on year. In 8 years, this will be more than $1 million in net assets due to the compounding affect. 

Property doesn’t grow in a straight-line basis. Mary & John’s portfolio may grow more in one year and less in another.

What’s Next for Mary & John?

Property Twins team will continue monitoring the value of Mary & John’s portfolio to see opportunities around equity release and further investment properties which are possible for them, given the planned set up of their existing properties. 

Mary & John already have a plan to purchase their 3rd investment property as they save more and build equity in their home.

Mary & John’s current home loan structure is strategically set up to allow them to pay off their home loan faster and maintaining tax effectiveness of their investment loans.

As you work through your own goals, dreams and aspirations, you can see that acquiring one and more investment properties is about having a ‘step by step’ strategy laid out to enable you to keep moving forward.

This is possible by having a ‘step by step’ plan tailored to your circumstances, established upfront by the Property Twins to enable you to keep moving forward.

If you are a first home buyer, upgrader, looking to refinance or to buy an investment property Book a Kickstart Call with the Property Twins Team
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Note: Please ensure you always seek specific specific credit, tax, financial, legal or investment advice. Property Twins' Blogs are not a substitute for personal and specific, taxation, financial, legal or investment advice

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