Case Study
My Money My Home Case Study
My Home
My Money
Prepared exclusively for
Fred & Wilma Flint
240 Dinosaur Lane, Bedrock ·
+61 416 994 203 ·
fredflint@gmail.com
Strategy goal
Pay off the mortgage faster & consolidate all debt into one simple payment
Home value
$1,300,000
Available equity
$708,000
Net annual benefit
$56,640
Mortgage term saved
Est. 14+ years
Cost of delay
Every day without the loop costs Fred & Wilma $155.18
Daily cost of inaction
$155.18
per day · $56,640 per year
Client profile
About Fred & Wilma
Household
Fred FlintIT Manager
Wilma FlintNurse
Address240 Dinosaur Lane, Bedrock
Phone+61 416 994 203
Emailfredflint@gmail.com
Combined income
Fred (IT Manager)$150,000 p.a.
Wilma (Nurse)$80,000 p.a.
Combined household$230,000 p.a.
ServiceabilityStrong ✓
Consultant's note on serviceability: With a combined household income of $230,000 and strong employment stability across two professional roles, Fred and Wilma are exceptionally well-positioned. The refinance to 80% LVR represents a comfortable debt-to-income ratio, and the consolidation of personal debts will actually improve their monthly cashflow from day one.
Your equity position
What's sitting inside your home — right now.
Based on your property value of $1,300,000 and the debts to be consolidated, here is Fred and Wilma's full equity position. This is the capital that has been sitting idle. The equity loop puts it to work.
| Home value (240 Dinosaur Lane) | $1,300,000 |
| Lendable at 80% LVR | $1,040,000 |
| Less: residential mortgage balance | −$300,000 |
| Less: car loan (to be consolidated) | −$25,000 |
| Less: credit card balance (to be consolidated) | −$7,000 |
| Available equity to invest | $708,000 |
What this means in practice: Fred and Wilma have $708,000 in usable equity — more than double the remaining mortgage balance. This is an exceptionally strong position that gives the equity loop maximum power from day one.
Debt consolidation
Simplifying Fred & Wilma's finances first.
Before the equity loop begins working, we consolidate all outstanding debts into the new mortgage structure. This reduces the number of payments, likely reduces the interest rate on the consolidated debts, and frees up monthly cashflow immediately.
Mortgage
$300,000
Residential mortgage, 240 Dinosaur Lane
Rate: ~6.00% p.a.
Car Loan
$25,000
Personal vehicle finance
Rate: typically 8–12% p.a. → consolidates to 6%
Credit Cards
$7,000
Balance $7k of $10k limit
Rate: typically 18–22% p.a. → consolidates to 6%
↓
After consolidation — one simple structure
Total debt consolidated$332,000
Single interest rate~6.00% p.a.
Credit cards closed / limit released$10,000 freed
Monthly cashflow improvement (est.)+$650–$900 / month
Available equity after consolidation$708,000
The credit card benefit alone is significant. At a typical rate of 20% p.a., the $7,000 credit card balance costs $1,400 per year in interest. Consolidated at 6%, that same balance costs $420 — saving $980 per year in interest before the equity loop has even started.
The equity loop results
What happens when Fred & Wilma's equity starts working.
With $708,000 deployed through our exclusive investment partner, the loop generates returns that flow directly back into the mortgage — on top of existing repayments — compressing the loan term significantly.
Equity deployed
$708,000
Into the investment loop
Net quarterly gain
$14,160
Added to mortgage repayments
Estimated years saved
14+ years
Off the mortgage term
Interest saved (est.)
$245,000+
That stays with Fred & Wilma
Gross quarterly return (14% p.a.)
$24,780
From investment partner
Less borrowing cost (6% p.a.)
−$10,620
Interest on equity drawn
Net quarterly to mortgage
$14,160
On top of existing repayments
Mortgage payoff timeline
Starting: 25 years → With loop: ~11 years
Without loop: 25 years
With loop: ~11 years
Important note: Fred and Wilma's existing mortgage repayments continue completely unchanged throughout. The $14,160 net quarterly return shown above is applied on top of their normal scheduled repayments — not instead of them. The 14+ years saved reflects the combined effect of both.
Fee transparency
Every fee, disclosed upfront.
My Home My Money charges two fees. Both are disclosed here, and both are reflected in the net figures throughout this report.
Fee 1 — Broker referral
We receive a flat referral fee from the lending and investment partners we introduce you to. You pay nothing for this — it is funded by the service providers, not by you.
Fee 2 — Annual management fee
$1,500 + GST per year — direct debited to your loan annually. Covers quarterly portfolio reviews, strategy updates, and ongoing access to your consultant.
Annual management fee
$1,500
vs
Net annual benefit to Fred & Wilma
$55,140
($56,640 − $1,500 management fee)
ROI on the fee
3,676%
$55,140 ÷ $1,500
The cost of waiting
Fred & Wilma, every day matters.
With $708,000 in available equity, the opportunity cost of inaction is significant. Here's what each period of delay actually costs in returns not generated.
"The free session takes 20 minutes. That's less time than delay costs Fred & Wilma in a day."
A personal note
From your consultant — My Home My Money
Fred and Wilma, it was a genuine pleasure going through your situation together. What struck me most is how strong your position actually is — a $1.3 million home, solid dual income, and a mortgage that's already well under control.
The debt consolidation alone will simplify your finances and free up real cashflow from month one. But the equity loop is where the real opportunity lies. With $708,000 available, you have one of the strongest equity positions I've seen — and right now it's doing absolutely nothing.
The numbers speak for themselves: $56,640 per year in net benefit, 14+ years off your mortgage, and $245,000 in interest that stays with your family rather than going to the bank. The $1,500 annual fee pays for itself within the first three days of the year.
I'm confident this is right for your situation. When you're ready to move forward, I'm here — no pressure, no deadline.
The debt consolidation alone will simplify your finances and free up real cashflow from month one. But the equity loop is where the real opportunity lies. With $708,000 available, you have one of the strongest equity positions I've seen — and right now it's doing absolutely nothing.
The numbers speak for themselves: $56,640 per year in net benefit, 14+ years off your mortgage, and $245,000 in interest that stays with your family rather than going to the bank. The $1,500 annual fee pays for itself within the first three days of the year.
I'm confident this is right for your situation. When you're ready to move forward, I'm here — no pressure, no deadline.
[Consultant Name]
[Title] · My Home My Money · [Phone] · [Email]
Next steps
Simple from here.
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1Review this report with your familyTake your time. Read through the numbers. Talk it over. Write down any questions — we welcome all of them.
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2Speak with your consultant directlyCall or email [Consultant Name] directly: [Phone] · [Email]. There's no pressure and no deadline — the strategy will still be here when you're ready.
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3We introduce you to our lending specialistOnce you're comfortable, we arrange the refinance and debt consolidation through our trusted lending partner — consolidating the mortgage, car loan, and credit cards into a single clean structure.
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4Equity deployed into the investment loopYour $708,000 in available equity goes to work through our exclusive investment partner. Quarterly returns begin flowing back into the mortgage from the first payment cycle.
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5Quarterly reviews — we stay with youEvery quarter we review your position with you, confirm the returns, and adjust the strategy as your equity grows and your mortgage shrinks. You're never left to manage this alone.
Fred & Wilma — are you ready to start the loop?
Contact your consultant directly or book another session at your convenience.
The door is always open — on your timeline, not ours.
The door is always open — on your timeline, not ours.
Book a follow-up session →
Free · No obligation · 20 minutes
