Meet Michelle and James: Business Owners with Big Dreams
Michelle and James, co-founders of a successful building company, have spent over a decade navigating the highs and lows of self-employment. Based in Sydney, they built their business from the ground up, overcoming challenges and celebrating milestones as they turned their company into a thriving enterprise.
“Running a business means you’re always preparing for the unexpected,” Michelle shared. “The volatility can be stressful, but it also taught us the importance of discipline—especially with managing cash flow.”
Nine years ago, once their business reached a stable position, Michelle and James began investing in property to create additional financial security. Over time, they built a strong portfolio with investments across NSW and QLD. Now, they were ready to expand, targeting emerging markets with strong growth potential.
The Challenge: Balancing Business Demands and Exploring New Markets
Michelle and James’s experience as disciplined investors gave them the knowledge to expand their portfolio strategically. However, the demands of running their thriving building company left them with limited time to explore new markets or conduct in-depth research.
“Our focus has always been building a strong business,” Michelle explained. “But when it came to investing, we realised we needed support to look beyond what we already knew.”
Their portfolio was concentrated in NSW and QLD, but they saw the need to diversify geographically to reduce risk and tap into emerging markets.
“The challenge wasn’t just making our next move,” James shared. “It was about ensuring every step aligned with our long-term goals while keeping our focus on the business.”
The Turning Point: A Strategy Designed for Growth
Introduced to us by their mortgage broker, Michelle and James sought expert insights to help them expand their portfolio without detracting from their focus on running their business. During our consultation, we delved into their financial goals and priorities, crafting a tailored roadmap to ensure their next move was calculated and impactful.
For Michelle and James, the key was identifying an emerging market that offered affordability, connectivity, and future growth potential. Melbourne’s northern suburbs stood out as an ideal choice, with strong tenant demand, proximity to major infrastructure projects, and opportunities to capitalise on the region’s recovering market.
“What stood out to us was the level of insight the team brought to the table,” Michelle shared. “Having a clear plan gave us the confidence to move forward with our next investment.”
Our Approach: How We Made It Happen
- Personalised Strategy:
We created a tailored property roadmap aligned with Michelle and James’s goals. The roadmap focused on underperforming markets with high growth potential and ensured sustainable portfolio expansion. - Market Research & Insights:
Our detailed review of multiple regions identified Melbourne’s northern suburbs as part of a growing corridor that combines affordable housing with excellent transport connectivity, rental demand, and proximity to universities, hospitals, and major employment hubs—making it an ideal choice for this strategic investment. - Property Selection:
We secured a brand new 3-bedroom townhouse in Melbourne’s northern suburbs for $805,000. Built with high-end finishes and raised ceilings, the property was designed to appeal to students, families, and professionals, ensuring strong tenant demand and future growth. - Seamless Implementation:
We coordinated every detail to ensure a smooth process, from arranging inspections to securing landlord insurance and tax depreciation schedules. We connected Michelle and James with a trusted property manager, and the property was leased within 14 days of settlement, generating immediate rental income. Regular updates were shared with their mortgage broker to ensure seamless communication and support.
The Results: A Tangible Path to Wealth
Michelle and James’s latest investment delivered measurable and impactful results:
- Equity Growth: Within months of settlement, the property’s value increased by $55,000—equivalent to saving 20% of their combined annual net income.
- Tax Benefits: As a brand-new property, it provided over $17,000 in first-year depreciation, significantly reducing out-of-pocket expenses and improving cash flow.
- Cash Flow Confidence: Rental income offsets their costs, requiring a $140 weekly savings contribution to their investment plan.
- Projected Gains: The property is forecast to grow steadily, reaching approximately $1,020,000 in four years. This could unlock an additional $215,000 in equity—equivalent to nearly a year of their combined net income, empowering Michelle and James to reinvest confidently and expand their portfolio further.
“This investment showed us that thoughtful planning isn’t just key in business—it’s essential for building financial security,” Michelle shared. “It’s exciting to see how the right choices today can create opportunities for tomorrow.”
The Transformation: Stability and Growth with Confidence
For Michelle and James, this investment was about more than growing their portfolio—it was about building stability in an unpredictable world.
“This investment not only strengthened our portfolio but also gave us peace of mind as business owners. Knowing we’re building a financial future that complements our hard work has been incredibly rewarding,” Michelle shared.
James added, “We’ve learned that growth is about taking thoughtful, calculated steps. It’s not about rushing but building something that lasts—and this investment is a perfect example.”
Your Journey Starts Here
Michelle and James’s story highlights how self-employed individuals can leverage discipline and expert guidance to build a secure and successful property portfolio. Take the first step today. Whether you’re balancing a business, a family, or both, we’ll help you achieve your financial goals with proven strategies and personalised support.
