Higher interest rates and longer loans mean many Australians are on track to carry a mortgage into retirement. There is a way to change that, and it starts with a clear plan.
High interest rates and legacy mortgages mean too many Australians are paying more interest than they need to, and are not on track to own their home outright before they retire.
That is expensive in its own right. It also has a real opportunity cost: every year spent paying down one loan is a year not spent building wealth for your family and your retirement.
There are no guarantees, but there is a plan. Results depend on your circumstances and the market.
The ASFA Retirement Standard puts the cost of a comfortable retirement for a couple who own their home at $78,566 a year. Most people plan to fund it from super, the Age Pension and a home that is paid off.
A mortgage that is still running at 67 puts pressure on all three. Paying it off sooner, and putting those years to work, is the problem we set out to solve.
We support you to build wealth through property investing, to secure your financial future for your family and your retirement.
Our process is designed to help you pay off the mortgage on your family home up to 15 years sooner, so you can invest those years into building wealth for yourself, your family or a comfortable retirement.
Tax outcomes depend on your personal position. Your accountant is the right person to confirm them.
A Property Investment Specialist works through your goals, your numbers and your options with you, and explains every step before you take it.
02 · RefinancingQualified mortgage brokers review your current loan, look for interest savings and help structure the equity for an investment deposit.
03 · Property selectionBrand new properties in researched growth areas, each reviewed against 60+ data points by our Investment Committee before it reaches you.
Five steps from confused to confident. Most people start with the test, because it tells you in a few minutes whether a conversation is worth having.
A short readiness test on where you are now.
See the model explained, in your own time. Browse webinars
A no-cost conversation about your goals and your home loan.
Finance strategy, property strategy and research-backed options.
From property selection through to settlement, with support at every step.
Support property owners to turn mortgage stress into wealth-building progress.
Show you how to build future wealth through tested, research-backed property investment strategies.
Secure your financial future and help you navigate Australia's property investment landscape with confidence.
Create a financial legacy for your family and your retirement.
The model starts by reviewing your current home loan for interest savings, then uses the equity in your home for the deposit on a brand new investment property. Over a long hold, rent, depreciation and capital growth can help you reduce your home loan sooner than repayments alone. Outcomes depend on your circumstances and the market, and a specialist will walk you through the numbers for your situation.
It depends on your deposit, your borrowing capacity and the cash flow of the property. As a guide, if you have around $100,000 in savings or equity in your current home, it is worth a conversation. The readiness test gives you a first read in a few minutes.
There are no upfront fees, no referral fees and no trailing commissions on finance. Oli Property is paid a sales commission by the vendor when a property is sold, so the service is complimentary for investors.
Not necessarily. The right strategy depends on your equity, income, timeframe and goals, which is exactly what a discovery session is for. See how we help Retirement Readies
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Research led by Matt Bell, Chief Economist, Oliver Hume Property Group. 4,800 suburbs, trusted by government and ASX 200 companies.
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