Discover how everyday Australians are slashing 10 years or more off their Mortgage without getting a second job or changing their lifestyle!

  • User By Aus Investment Properties
  • 1 year ago




Discover how everyday Australians are slashing 10 years or more off their Mortgage without getting a second job or changing their lifestyle!

Table Of Contents

  1. Do you qualify? (Four quick questions)
  2. How much equity do you have? (more than you probably think)
  3. Property selection! (The good, the bad & the ugly)
  4. How to be sure you have chosen the right property? (Don’t miss this step)
  5. Risk Mitigation (How to greatly reduce your risk)
  6. How to cut your mortgage in half (and save $100,000+ in interest alone)
  7. Mortgage Reduction Workflow (Your future mapped out)

 

Step 1

Do you qualify?

There are four important qualifiers to be eligible for this strategy. 

You must:

  • Own your own home
  • Have available equity of $130K (Or saving/offset account)
  • Have a house hold income of $90K+ Per Annum
  • Want to get rid of your mortgage ASAP

If you answered yes to all these questions you are in a good position to slash years off your mortgage.

(If you are unsure of your equity position we will run through how this is calculated in step 2)

Discover how everyday Australians are slashing 10 years, Discover how everyday Australians are slashing 10 years or more off their Mortgage without getting a second job or changing their lifestyle!

 

Step 2

How much equity do I have?

Most of us don’t have hundreds of thousands of dollars sitting in a bank account for a rainy day, but many of us have equity built up in our homes.

In simple terms, equity is the difference between what you bought your home for and what it is worth now.

There are some other factors at play but this is the basic concept. 

To calculate your available equity follow this simple calculation

80% of current home value  Remaining Mortgage = Available equity

For this example:

Home Value = $900,000 Remaining Mortgage = $450,000

(80% x $900,000)  $450,000 = $270,000 (Available Equity)

Discover how everyday Australians are slashing 10 years, Discover how everyday Australians are slashing 10 years or more off their Mortgage without getting a second job or changing their lifestyle!

How much available equity do you have?

 

Step 3

Property Selection?

Property selection is crucial to this process. 

Not all properties are created equal.

If you select the wrong one you could end up in a dark financial hole for a very long time.

You need a property that is going to pay you income every week into your bank account or what we call passive income.

A cash positive property pays you every week after all expenses.

There are many costs to an investment property and miscalculating costs could easily turn the perfect investment (on paper) into a bad one.

The main costs to an investment property are:

  • Loan Repayments
  • Insurance
  • Property Management
  • Listing Fees
  • Advertising
  • Strata Fees
  • Repairs and Maintenance
  • Utilities

The key is to invest in a property where the income is greater than the costs.

Income & Rent > Costs & Expenses

 

Step 4

How to be sure you have chosen the right property?

Don’t miss this step!

Before purchasing an investment property make sure you ask for a ‘Property Investment Analysis’ (PIA)

A PIA is a detailed analysis of the proposed investment property including costs, returns, interest rates, expected growth and projects how your property is placed over the next 1 to 20 years.

This is an essential document for any and every investment property purchase.

*At Aus Investment Properties we conduct a full complimentary ‘Property Investment Analysis’ on all our proper-ties.

Discover how everyday Australians are slashing 10 years, Discover how everyday Australians are slashing 10 years or more off their Mortgage without getting a second job or changing their lifestyle!

“Never Buy An Investment Property Without A PIA”

 

Step 5

Risk Mitigation!

What happens if I can’t secure a tenant?

This is one of the most common questions we get asked? 

And fair enough.

Every week your property sits empty it is costing you! How can you reduce your risk?

The answer is a ‘Rental Guarantee’

Not any rental guarantee but one that is offered by your property manager independently of the builder or sales team.

This is very important as it is not uncommon for builders to inflate the purchase price to cover the rental guarantee knowing that the property will be difficult to lease.

If your property manager isn’t willing to offer a rental guarantee proceed with caution as it shouldn’t provide you with confidence that they are going to successfully lease your property.

The last thing anyone wants is an empty investment property.

*At Aus Investement Properties, our property managers are part of the process from the start. Reviewing the site, location, plans and design to make sure the property is appropriate and ideal for leasing.

By working closely with our property managers our properties are leased fast and backed by an independent rental guarantee.

Discover how everyday Australians are slashing 10 years, Discover how everyday Australians are slashing 10 years or more off their Mortgage without getting a second job or changing their lifestyle!

 

Step 6

How to cut your mortgage in half!

Knocking years off your home loan sounds like some sort of witchcraft. 

But one simple strategy can do exactly that and more.

Let’s start from the top!

You and your partner both earn $55K per year ($110K).

Your home is worth $900K and you owe $450K, giving you $270K in available equity (As per Step 2) Your current home loan repayments are $550 p/week ($28,600 P/Year)

You use $150K of your available equity (not savings) to purchase a cash positive investment property. This property rents for $880 p/week and returns to you $359 p/week (After all costs)

You add this extra income to your existing home loan $550 + $359 = $909 (New weekly home loan repayment)

In this instance, these extra repayments will reduce your home loan from 24 years to 12 years Saving you 12 YEARS, $107,000 in interest and $105,000 in repayments.

That is over $200,000 that you don’t need to work for and pay to the bank. 

All this without you working overtime or getting a second job.

Discover how everyday Australians are slashing 10 years, Discover how everyday Australians are slashing 10 years or more off their Mortgage without getting a second job or changing their lifestyle!

Once your mortgage is cleared you will then be able to redirect your surplus funds towards reducing your investment loan.

You could be completely debt-free plus have income-producing assets to assist with your retirement

Related Posts

How Anticipated Interest Rate Cuts in 2025 Could Shape the Australian Property Market

Unlocking Opportunities for Property Investors with Lower Borrowing Costs The Reserve Bank of Australia (RBA) is poised to cut interest rates in 2025, sparking excitement across the Australian property market. For investors, these anticipated changes offer an opportunity to explore high-yield investment properties, co-living investment properties, and other promising options that align with evolving market dynamics. Lower interest rates could redefine the landscape, providing avenues to enhance rental income properties and secure cash-positive investment properties.

Continue reading

User By Aus Investment Properties

Unlocking Regional Investment Potential

A Surge in Migration Trends for Australian Property Investors The Regional Movers Index (RMI) September 2024 report highlights a fascinating shift in Australia’s internal migration patterns, presenting an enticing opportunity for property investors. With a growing trend of individuals and families moving from capital cities to regional areas, the regional property market is brimming with potential.

Continue reading

User By Aus Investment Properties

The Australian Property Market in 2025

As we approach 2025, the Australian property market is brimming with opportunities for investors looking to make informed decisions. With key forecasts from SQM Research's Housing Boom and Bust Report 2025, it’s clear that regional trends, interest rates, and population growth will shape the market’s trajectory. Whether you’re a first-time investor or a seasoned property buyer, understanding these dynamics is crucial for maximising returns.

Continue reading

User By Aus Investment Properties

Maximising Returns: A Comprehensive Guide to Property Depreciation for Australian Investors

Maximizing returns on investment properties is a primary goal for Australian investors. One effective yet often underutilised strategy is leveraging tax depreciation schedules to enhance cash flow and reduce taxable income. This comprehensive guide explores the intricacies of property depreciation, its benefits, and practical examples to illustrate its impact on various investment property types.

Continue reading

User By Aus Investment Properties

National Vacancy Rates October 2024

Opportunities for Investors The latest report from SQM Research reveals that Australia’s national vacancy rates held steady at 1.2% in October 2024. With just 36,486 residential properties vacant, this slight decrease from September’s 37,932 highlights a resilient rental market. For property investors, this data offers insights into regions primed for high-yield opportunities.

Continue reading

User By Aus Investment Properties

Securing Ideal Tenants for Your Investment Property.

Owning an investment property can be incredibly rewarding, but finding good tenants is crucial to making the experience profitable and stress-free. Reliable tenants ensure consistent rent payments and take good care of the property, ultimately helping you achieve the best return on investment. Here’s an in-depth guide to attracting high-quality tenants to your rental property in Australia.

Continue reading

User By Aus Investment Properties

Why Buy With Aus Investment Properties?

  • Dedicated In-house Project Manager.
  • High-yielding properties.
  • Independent rental assessment.
  • Full turnkey properties, 'Ready to Rent'.
  • Brand new properties with builders warranty.
  • High quality, highly specified properties.
  • Tax and depreciation benefits from new properties.
  • Buy direct from the builder.
  • Investor or SMSF.
Buy Property Banner

Search 1000'S Of Off-Market Investment Properties!

SQM Research Logo

SQM Research is an investment research house that specialises in providing accurate research and data to financial institutions, investment professionals and investors.

Aus investment Properties has partnered with SQM Research to provide data across our site to assist investors in making an informed decision.

Capital Growth 12 months, measures the increase in a property’s value over the previous 12 months, indicating how much the investment has appreciated in that timeframe.

Capital Growth 10-year annualised, reflects the average annual increase in a property’s value over the last decade, smoothing out short-term fluctuations to show long-term appreciation trends.

Vacancy Rate, indicates the percentage of properties that are currently unoccupied in that postcode, It’s a key indicator for investors to assess the rental demand.

SMSF Property Investing, when investing inside your SMSF there are some restrictions on how you can purchase investment properties. We use the following information to help navigate the SMSF investment property options.

This property is a single-contract property suitable for an SMSF.

Compare listings

Compare