Your mortgage
doesn't have
to take 30 years
Your greatest financial tool is the property you already own. That one asset changes every rule. Here’s how our clients are using their property to cut their mortgage from 30 years to under 10 while also building an investment portfolio — without earning more and without going backwards every week.
Your loan is costing you more than you think
From no deposit to $685K equity — then we deployed it
Julie & Toke came through our no or low deposit system in 2018. Seven years later, their equity position was significant.
Most people stop there and feel good about the number. We saw a structural opportunity.
Watch Julie & Toke’s story - From renters to Investors
2018 — Entry
Using our no or low deposit system. Structured entry using income position — not a large savings balance.
2018-2025 — GROWTH
2025 — NOW
NOW — STRATEGY ACTIVATED
Strategy deployed
We restructured their mortgage, and implemented a planned tax strategy on their investment property to reduce their out of pocket expenses on it to $0. While also shortening their owner-occupier mortgage length to ~7.5 years.
Mortgage timeline — before & after
Mortgage reduction
Julie and Toke had 2 choices, simply reduce their mortgage, or secure an investment property with no out of pocket costs while also reducing their mortgage.
1
Mortgage Reduction
Use a simple lending tool to collapse their loan term from 30 years, to less than 10.
2
Mortgage Reduction
+ Investment Property
+ Tax Strategy
Combining our simple lending tool, with investment property income and detailed tax strategy, to reduce their mortgage AND put cash back into their pocket every week.
This strategy creates a surplus — not a shortfall
Rental income covers the investment loan costs. Tax minimisation — through depreciation and deductions — reduces your taxable income and returns real money each year. That combination means the strategy is not drawing from your weekly cashflow. You’re not earning more. You’re not cutting back. You’re restructuring what you already own so that the tax system and rental income work together to eliminate your mortgage decades ahead of schedule.
Total assests by year 10
$3.73M
+69% growth
OUT OF POCKET COSTS
$0
After rent & annual tax credit
Gross rent by year 10
$57,671
+30% vs year 1
| Metric | Year 1 | Year 5 | Year 10 |
|---|---|---|---|
| Home value | $1.272M | $1.6060M | $2.149M |
| Investment value | $938k | $1.184M | $1.585M |
| Gross rent (investment) | $44,200 | $49,747 | $57,671 |
| Tax credit (joint $190k income) | $14,536 | $11,388 | $8,332 |
| Total net cost (both properties) | $0/yr | $0/yr | $0/yr |
Projected figures only. Based on 6% capital growth, 3% CPI, 5.79% home loan rate, 6.80% investment I/O rate. Individual outcomes will vary. Numbers based on a real client example and may not match what is available to you.
We didn't change their income. We changed the structure. The result?
28.8 years compressed to 7.5. Simply from deploying what they already had. That opportunity exists for every homeowner who has a property today.
If you answer yes to any of these — keep reading
You don’t need to tick all three. One is enough to start the conversation.
If you answered yes to any of the above — your current property position is likely stronger than you realise. The question is not whether the opportunity exists. The question is whether you act on it.
You aren’t going backwards. You’re restructuring forward — using what you already own.
This page is for existing homeowners only and does not constitute financial advice. All figures shown are modelled projections based on specific client inputs including 6% annual capital growth, 3% CPI, 5.79% home loan rate, and 6.80% investment I/O rate. Individual outcomes will vary. Tax credit figures are illustrative only and based on a joint income of $190,000. Please seek independent financial and legal advice before making any property investment decisions. © No1 Property Guide. All rights reserved.