25 years left on your home loan? It could be 7.
Extra repayments and overtime are the slow way. I help homeowners use the equity they already have to build a second asset, a new build investment property that may help clear the home loan years earlier.
Thanks . Pick a time that suits you.
Choose a time when you can talk for 15 minutes without interruption. If you have a partner on the home loan, it helps if they can join too.
Set CALENDAR_URL at the top of the file.
Prefer to talk now? Call 0406 705 517
You're booked in.
I'll send you a text to confirm. Nothing to prepare, but if they're handy, have your rough home loan balance and home value ready. It means we can get straight into your numbers.
Need to move it? Just reply to the confirmation or call 0406 705 517.
Thanks for your interest.
This strategy uses the equity in a home you already own, so it may not suit you just yet. I'll send you some useful info by email in the meantime.
Some clients get there faster, some take longer. Every situation is different and results will vary. Australian investor figures: ATO taxation statistics 2020 to 21.
Working harder and paying extra isn't a plan. It's a 30 year wait.
Most homeowners in their 40s and 50s are doing what they were told. Work hard, pay extra off the mortgage, never miss a payment. Ten years in, there's still 20 to go.
Extra repayments go on the worst debt
Your home loan isn't tax deductible. Every extra dollar you put in was taxed first, and builds nothing outside the house.
Overtime gets taxed too
Earn more, hand over more. On a high income, a big chunk of every extra shift goes to the ATO before it reaches the mortgage.
One asset means one way out
When the house and super are all you have, retirement often ends with selling the family home and downsizing. That's not a plan you chose.
Here's what most people miss. The wealth you have came from the house going up in value, not from paying it down. So the answer isn't paying faster. It's owning more.
How a new build helps pay off the family home.
The money you're already throwing at the mortgage goes to work in a second asset instead. Here's the engine behind it.
Use the equity you already have
Your home has likely gone up in value. That equity can fund the deposit on a new build, so most clients don't need cash savings to start.
Rent and tax do the heavy lifting
The tenant pays most of the costs. Negative gearing and new build depreciation bring tax back to you. What's left can be as little as $100 a week.
Growth clears the home loan
As rents and values rise, that growth builds equity you can put back to work. For our clients, that's what turns 25 years left into around 7.
Why we only work with new builds.
EPG has always focused on new builds, and always will. Nothing has changed in our strategy.
I came out of construction, so I know what makes a new build a good investment and what makes it a slow leak. New homes come with more to claim, less to fix, and strong capital growth when the land and location are right.
The May Budget only backs it up: new builds are set to be the only homes that keep negative gearing for new purchases from 1 July 2027. Negative gearing means a rental loss can be claimed against your wage.
Established property bought after Budget night
- No negative gearing against your wage from 1 July 2027
- New capital gains rules apply
- Older homes, less depreciation to claim
A new build
- Keeps negative gearing
- Keeps the option of the 50% capital gains discount
- New building depreciation to claim
Unless you can afford $700 or more a week to hold one old property, why would you? For the same money, you could hold 3 or more new ones.
Holding costs depend on the price, the rent, your loan and your tax position. We'll show you real numbers for your situation.
Based on measures announced in the 2026 to 27 Federal Budget. [CHECK: confirm whether legislated before going live.] Your accountant can confirm how this applies to you.
3 simple steps to your Equitable Success Package.
A 15 minute call
We look at your home loan, your equity, your income and what you want. If I can't help, I'll tell you straight.
Your Equitable Success Package
A clear plan built around your numbers: what a new build may cost to hold each week, the tax side, and how it could help clear the family home sooner.
The right property
I check the land, the builder and the build the way a developer does, before anything is put in front of you.
Property strategy from someone who has built it.
Most property advisers have never built anything. I spent years in construction before I moved into advisory, so I know what makes a new build a good investment and what makes it a slow leak.
- Over 15 years in construction, development and property advisory
- Bachelor of Property and Sustainable Development (Construction Management and QS), Bond University
- I only take on a small number of clients at a time, and you work with me personally from the first call to handover
Real clients. Real results.
5.0 from 16 Google reviewsWe had the pleasure of partnering with EPG for our recent investment opportunity. Jay was instrumental in helping us secure our first investment property. As newcomers to the process, his guidance, relevant insights, and clear communication made every step—from engaging brokers and conducting pre-purchase inspections to final handover and final inspections—smooth and stress-free. Jay’s professionalism and hands-on approach stood out for us. Highly recommend him and EPG, and we look forward to working with him again on our next investment soon!
Jay helped me build my very first home during crazy COVID period. He is very professional and easy to work with. The house was built within 6 months and he was there every step of the way. Big thanks mate.
Have completed two builds through EPG. Jay has been instrumental in finding the build sites my wife and I have been chasing. Also his knowledge and expertise throughout the build phase has been sensational. No hesitation in recommending to anyone. Well done Jay
Jay is very professional, knowledgeable, very honest and friendly man. It took couple of years to built my NDIS property and it was very stressful time waiting on however Jay always keep me updated explained with professional manner. Thank you Jay.
This call is a good fit if...
Good fit
- You own your home and have equity in it
- You still have years left on the mortgage
- Your household pays a lot of tax
- You want to build wealth over time with a clear plan
Not a fit
- You're renting and don't own a home yet
- You want a quick flip or a get rich quick idea
- You're after a tax dodge. This is smart structure, not a scheme
- You're a know it all and not willing to pay for a service to guide you
See how much sooner the family home could be paid off.
Answer 6 quick questions and pick a time. On a 15 minute call we'll go through your numbers. If it stacks up, here's what you get:
No hard sell. If it's not right for you, I'll say so. And you work with me personally, start to finish.
I only take on a small number of clients at a time, so spots are limited.
- Your payoff timeline. How many years sooner the family home could be cleared.
- Your real weekly cost. What a new build may cost to hold after rent and tax.
- Your equity roadmap. Year by year projections, and when property 2 and 3 could make sense.
- Hand picked new builds. Land, builder and build checked by me before you see them.
- Your team, sorted. I coordinate the broker, accountant and SMSF specialists where you need them.
Do I need cash savings to start?
Most clients use the equity in their home rather than savings. On the call we'll look at what your equity and income may allow. Your broker or bank has the final say on lending.
Is it too late if I'm in my 50s?
Not necessarily. Plenty of people start in their 50s. We'll look at your timeline, your super and when you want the home loan gone, and tell you honestly whether it stacks up.
How much does an investment property cost to hold?
It depends on the price, the rent, your loan and your tax position. Some new builds can cost as little as $100 a week to hold. We'll show you real numbers for your situation. [CHECK: confirm with a current deal.]
Is this some kind of tax scheme?
No. There's nothing dodgy and no offshore accounts. It's buying a new investment property and using the tax rules as they're written. Your own accountant should always check the numbers.
Why not just buy an established property?
An established investment property can cost $600 to $700 a week to hold today. Unless you can comfortably afford $700 or more a week for one old property, why hold one when you could hold 3 or more new ones for the same money? Under the changes announced in the May 2026 Budget, established homes bought after Budget night are also set to lose negative gearing from 1 July 2027. New builds keep it, and come with more depreciation and less maintenance. [CHECK: update once legislated.]
What if property prices fall?
Prices move up and down, and no one can promise growth. That's why we plan to hold for the long term, keep the weekly cost low enough to ride out a flat patch, and only pick land with tight supply, infrastructure coming and strong rental demand. Most of the risk is buying the wrong property, and that's what I check for.
How is this different from a buyers agent?
A buyers agent finds you a property. I start with a plan for your whole position, then pick new builds the way a developer does: the land, the builder and the build. I came out of construction, so I can read a spec sheet and walk a slab. And you work with me personally the whole way.
What happens on the call?
15 minutes. We look at your home loan, equity, income and goals. If it makes sense, I'll put together your Equitable Success Package. If not, I'll tell you straight.