Managing a young family, a large mortgage, and a budget surplus of less than $6,000 a year, these Future Assist clients faced significant challenges. Despite their tight financial constraints, they were determined to invest in property and secure their retirement. With professional guidance and a disciplined approach, their journey is a testament to how strategy and perseverance can deliver remarkable results.
WEALTH OBJECTIVES
Looking to build wealth, but with a tight budget, young family and a large mortgage, they weren’t sure where to start.
Self-employed, with no superannuation contributions, these clients also needed an alternative strategy to plan for their retirement.
Strategy Inclusions
Budgeting
Refinancing
Investment Lending
Property Services
Personal Tax Planning
Wills & Estate Planning
POSITION THEN (2012)
Total Assets: $639,000
Net Wealth Position: $136,311
POSITION NOW (2024)
Total Assets: $3,578,000
Net Wealth Position: $2,446,000
KEY MILESTONES AND STRATEGIES IMPLEMENTED
2012 – LAYING THE RIGHT FOUNDATIONS
With limited income and no deposit, immediate property investment wasn’t an option. Instead, the initial strategy focused on refinancing their mortgage, establishing a clear budget, and effectively managing cash flows. By directing their surplus toward reducing their mortgage, they began building equity in their home—creating the foundation for a future investment property.
2014 – THE FIRST INVESTMENT
Once the mortgage was reduced, credit cards were cleared, and equity was built, they were ready to take their first step. A carefully selected property with a low purchase price and strong rental yield became their first investment. Ownership was structured to maximise tax effectiveness and ensure positive cash flow, enabling them to comfortably maintain the investment while continuing to reduce their home mortgage.
2019 – EXPANDING THE PORTFOLIO
By 2019, the equity in their first property and continued growth in their home’s value enabled them to purchase a second investment property. With a strong foundation in place, their portfolio began to deliver significant returns, accelerating their path to wealth creation.
2021– MOMENTUM BUILDS WITH PROPERTY #3
By 2021, their growing portfolio and increased equity facilitated the purchase of a third property, valued at $468,400. With a streamlined strategy, they were now operating with confidence and precision, setting the stage for even greater success.
2024– WHY CHOOSING THE RIGHT PROPERTIES MATTER
Through the expertise of Future Assist’s Property Team, their portfolio has grown by 57% in value, now worth $3.5 million. This milestone marked the achievement of their retirement goal—an impressive eight years ahead of schedule!
THE OUTCOME
In just over a decade, these clients transformed modest financial beginnings into a robust property portfolio. By following our Strategy First approach, they secured their family’s financial future and built a sustainable retirement plan. Their journey highlights how discipline, strategy, and professional guidance can turn challenges into extraordinary success.
Names have been removed but all other details provided in this case study are based on actual client results. While every effort has been made to accurately represent the outcomes and results achieved in this case study, it’s important to note that individual results may vary based on a variety of factors including but not limited to the client’s unique circumstances, goals, and actions taken. This case study is not intended to serve as professional advice or guidance.
