Meet Emma and Liam: Busy Professionals and Devoted Parents
Emma and Liam, a couple in their early 40s, live in Sydney’s Inner West with their three children. Emma is a senior HR manager, and Liam works full-time as a project manager. Despite their solid incomes, the financial demands of raising a growing family left them feeling stretched.
“We always talked about investing, but life just got in the way,” Liam explained. “Between school fees, mortgage repayments, and all the little extras that come with raising three kids, it felt impossible to even think about investing.”
During a conversation with their mortgage broker about future goals, Emma and Liam expressed their desire to build wealth but admitted they were unsure where to begin. Recognising their strong position, the broker encouraged them to contact us for expert guidance.
The Challenge: Juggling Family Priorities While Building Wealth
Emma and Liam felt stuck in their financial journey. Rising school fees, extracurricular costs, and mortgage repayments left little room to explore new opportunities.
“We’ve lived in Sydney for years, and the property market here is so expensive. We felt trapped with cost-of-living pressures and that investing was out of reach,” Emma shared.
Adding to the challenge, their full-time jobs and responsibilities as parents of three left them with limited time or energy to research investment strategies or navigate the complexities of the market.
“Between work and raising three kids, we barely had the time or energy to think about investment, let alone research and plan,” Liam added.
The Turning Point: A Tailored Plan for Growth
When Emma and Liam reached out, they were determined to create a plan that balanced their family’s immediate needs with long-term financial goals. During our consultation, we introduced them to strategies that leveraged their home’s equity and focused on securing a property in a high-growth location outside Sydney.
“For the first time, we felt like we had a plan that made sense for our family and gave us confidence to move forward,” Emma shared.
By carefully assessing their financial situation and priorities, we crafted a roadmap that enabled them to take their first steps toward property investment without disrupting their lifestyle.
Our Approach: Making the Dream a Reality
- Personalised Strategy:
We created a tailored property roadmap that leveraged their home equity, balanced affordability with their family’s priorities, and focused on driving long-term growth. - Market Research & Insights:
After analysing key growth indicators in different markets, including rental demand, infrastructure development, and proximity to employment hubs, we identified a suburb in the thriving Logan LGA as the ideal location. With extremely low vacancy rates over recent years, this region has seen increasing demand for shared housing solutions, particularly from professionals seeking affordability and privacy. - Property Selection:
We secured a purpose-built co-living 3-bedroom, 3-bathroom house for $760,000. Its modern design maximises rental returns through three separate tenants, offering an attractive housing solution for professionals seeking shared yet private living arrangements. - Seamless Implementation:
From arranging landlord insurance to preparing tax depreciation schedules, we managed every detail and connected Emma and Liam with a trusted property manager. The property was leased within 25 days of settlement, ensuring immediate rental income. Regular updates to their mortgage broker, from contract exchange to settlement, ensured a seamless experience for all parties.
The Results: A Tangible Path to Wealth
Emma and Liam’s investment delivered measurable results:
- Equity Growth: In its first 12 months, the property generated $60,000 in equity—equivalent to saving an additional 32% of their combined annual net income.
- Tax Benefits: Deductions reduced out-of-pocket expenses, making the investment more affordable.
- Cash Flow Confidence: Higher rental income fully offsets their property holding costs, achieving cash flow breakeven without requiring additional savings contributions.
- Projected Gains: The property is forecast to grow steadily, reaching approximately $970,000 in four years. This could unlock an additional $210,000 in equity—equivalent to just over a year of their combined net income, positioning them for their next investment.
“Using the equity in our home as a stepping stone to invest was something we’d never even considered,” Emma shared. “The team’s guidance gave us the confidence to decide, and now we’re seeing how it can work for us.”
The Transformation: Focused on the Future
This investment marked a turning point in Emma and Liam’s financial journey.
“This isn’t just about growing our wealth—it’s about giving our kids the opportunities we never had and building a secure foundation for their future,” Liam added.
This first step has empowered and reassured Emma and Liam that they’re building a strong financial future. They are already planning their next property investment to grow their portfolio further.
Your Journey Starts Here
Emma and Liam’s story demonstrates how even the busiest families can take meaningful steps toward long-term financial success. Contact us today if you’re ready to turn your investment goals into reality. With personalised guidance and proven strategies, we’ll help you achieve your dreams and build a portfolio you can be proud of.
