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3-Phase Property Investment Strategy for High-Income Earners Aged 50+ Strategic Overview Jeremy is a 53-year-old professional in the oil and gas industry earning $270,000 a year. Despite having no liquid savings and carrying $100,000 of consumer debt, he owns land...
Estimating Borrowing Power and Investment Pathways for High Earners Jeremy earns a gross annual salary of $270,000 and, under current Australian lending criteria (as of August 2025), could borrow around $890,000 on a new home loan. This calculation assumes a...
Securing a Home Loan with a Personal Loan Deposit In Australia, it’s possible to use a personal loan as part or all of your home loan deposit. This approach can be useful for high-income earners who haven’t built up savings...
Estimating James and Sally’s Borrowing Power To help their daughters step into the Sydney property market, we analysed James and Sally’s finances as of August 2025. Although some data was incomplete, we used conservative assumptions based on Australian lending standards...
Estimating Peter’s Borrowing Power in Adelaide (2025) When Peter sits down to apply for a home loan in Adelaide, lenders will review his salary, outgoings, debts and family responsibilities. Based on his details, here’s a realistic range of what he...
Estimating Francis’s Borrowing Capacity for Property Investment Francis, now 80, owns a mortgage-free Perth home valued at $1 million and will have $400 000 in cash from selling an investment property. Below are three ways he could re-enter Australia’s property...
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