Client Overview

A junior doctor (PGY-5) working within the New South Wales public health system approached us looking to purchase their first investment property.

The client already owned a home where they had been living for the past three years, which was originally purchased with assistance from their parents. As a busy medical professional working long hours and overtime in a hospital environment, they had very limited time to explore investment opportunities.

While they had managed to save some money, they were also paying a high amount of income tax due to their growing income and were interested in learning how property investment could help them build long-term wealth.

The Challenge

Although the client wanted to invest, they believed they needed to save a large cash deposit before purchasing an investment property.

They were also unsure about how investment lending worked and were concerned about:

• higher interest rates on investment loans
• affordability of owning multiple properties
• whether they had enough savings to fund the deposit

At the same time, the client was unaware that the property they already owned had significantly increased in value, particularly after completing renovations.

With a demanding schedule in the emergency department of a major teaching hospital, they simply did not have time to research investment strategies or navigate the process themselves.

Our Approach

We began by reviewing the client’s financial position and ordering a full property valuation to determine the current value of their home.

The valuation confirmed that the property had increased significantly in value, creating usable equity.

Working closely alongside the client’s accountant (while ensuring we only provided credit advice), we developed an equity release strategy. The plan involved refinancing the existing home loan and releasing part of the equity into a separate loan facility.

This separate facility would be used to fund the deposit and purchasing costs for the investment property, keeping the loan structure clear and aligned with the client’s broader financial planning.

The Process

Once the strategy was agreed upon, we:

• calculated the client’s borrowing capacity
• refinanced the existing property to release equity
• structured the equity funds in a separate loan facility
• obtained pre-approval for the investment purchase

Given the client’s busy schedule as a doctor, we also connected them with trusted professionals including a buyer’s agent and solicitor.

The buyer’s agent helped identify suitable investment opportunities aligned with the long-term strategy, including properties located in a different state that showed strong investment fundamentals.

After reviewing several opportunities, the client selected a property that already had tenants in place, allowing rental income to begin immediately after settlement.

Financial Snapshot

Before working with us, the client believed they needed to save a large cash deposit before investing in property and had no idea that their current home had accumulated significant equity.

After conducting a valuation and refinancing the property, we were able to release equity from their existing home and structure those funds as the deposit for their first investment property. This allowed the client to enter the investment market sooner without needing to rely solely on their personal savings

Key Highlight

Deposit strategy:
Equity released from existing home

Investment result:
First investment property added to portfolio

Before vs After

Before

• Existing homeowner but unaware of available equity
• Believed a large cash deposit was required
• Confused about investment loan options
• Limited time to research property opportunities

After

• Equity released from current home
• Deposit funded without using personal savings
• Pre-approved for investment property purchase
• First investment property successfully added to portfolio