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Mortgage
Retirement
Process
Without touching their savings. Watch the short strategy video, then get the free guide — the exact structure, sent straight to your phone.
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In the May 2026 Federal Budget, the Government limited negative gearing on residential property to new builds, and replaced the 50% CGT discount with cost-base indexation and a 30% minimum tax on gains. Both changes take effect from 1 July 2027.
This strategy is built around newly built investment properties — the residential type that keeps negative gearing, and where investors can still choose the 50% CGT discount or the new indexed method when they sell. Established property, bought from here on, gets neither. Getting the structure right today matters more than it ever has.
The same reform that costs established-property investors works in favour of new-build investors:
Based on the 2026–27 Federal Budget negative-gearing & CGT measures (budget.gov.au / ATO), applying from 1 July 2027 and subject to the legislation as passed. Grandfathering applies to property held at 7:30pm AEST 12 May 2026. General information only — not tax advice; confirm your position with a registered tax adviser.
Refinance for a new kitchen, a car, an extension — and the loan stretches out again, all the way into retirement. Meanwhile the bank has set the loan up in their favour, not yours, and most people never use the facilities that could get them ahead.
~$326,000
Over 30 years at 5%, a $350,000 loan costs you around $326,000 in interest — almost the value of the house again. Left on the bank's default plan, that's decades of your income quietly handed over.
The good news: one well-structured investment property can throw off enough surplus to attack that home loan — and it does two jobs at once:
Two of the ideas that make it work are below — the insight and what it's worth. We've left the exact how for the free guide and video (there are six steps in all).
Most people assume they need $100k+ in the bank. You don't. By unlocking the usable equity already sitting in your home, you can fund the full deposit, stamp duty and costs on a new investment property — without spending a dollar of your own cash.
Based on the worked example in the FSM guide
Structured correctly — two standalone titles, no cross-collateralisation, interest-only on the investment — the rent plus your tax back throws off a surplus each month. Aimed at your home loan (your bad debt), one property frees up around $592 a month while you keep living your life.
Based on the worked example in the FSM guide
Illustrative — $350k home loan at 5% p.a. over 30 years, based on the worked example in the FSM Property Mortgage Strategy guide. Actual results depend on your loan, rate, rent, tax position and circumstances.
Inside the free guide and video, you'll get all six steps — deposit, structure, choosing the right new-build, getting your tax back throughout the year, protecting yourself, and avoiding the mistakes most investors make.
*Illustrative examples based on the worked scenario in the FSM Property Mortgage Strategy guide — your actual results depend on your equity, loan size, interest rate, rent, tax position and circumstances. Freedom Strategy Management provides general information only, not financial, tax or legal advice.
Get the full strategy — video training and guide — sent to your phone, free.
Redirect the surplus at your own (non-deductible) debt — the debt that really ties you down — and you're mortgage-free years sooner.
Every dollar off your home lifts your usable equity — so you can repeat the process and grow a property portfolio over time.
Arrive at retirement debt-free with income-producing assets behind you — and a leg-up you can pass to your kids.
You don't need to be wealthy or already own an investment property. You need some equity in your home and a willingness to structure things properly. Our team of strategists, brokers, accountants and planners handles the rest — and the information and strategy sessions are cost- and obligation-free.
Homeowners with equity, wanting to get ahead
First-time investors who want it structured right
Investors who feel they're "flying blind"
Pre-retirees wanting to arrive debt-free
This isn't a sales meeting. It's a personalised, obligation-free strategy session where you get real answers about your own situation. Most of what we do doesn't cost our clients anything — when we help restructure a loan, we're generally paid by the bank, not you.
Strategy sessions run Monday to Friday over Zoom, take 30–45 minutes, and you keep the clarity whether or not you go ahead.
We structure the two properties on standalone titles with no cross-collateralisation — so if anything happens to the investment, your home is safe.
Finance experts, tax and strategy consultants and financial planners — looking at your situation from every angle, in one plan.
Get the video training and guide texted to your phone, and see exactly how the strategy fits together.
An obligation-free Zoom session where we map your equity, structure, tax and cashflow to your own numbers.
We show you the deposit, the right new-build type, the loan structure and the tax variation — step by step.
Brokers, accountants, strategists and planners — coordinating the whole thing from one plan.
No pressure, no fees — just expert insight you can use whether or not you work with us.
Hear from clients who've used property to get ahead and start building real wealth.
Get the video training and guide sent to your phone — then, when you're ready, book a free strategy session and we'll build it around your numbers.
We coordinate personalised mortgage-reduction and equity-building strategies while integrating licensed specialists to give you an efficient path to your future freedom.
The coordinated path to equity and freedom.
Helping everyday Australians reduce debt and build wealth for a better retirement — property investment experts when you're ready.
