Getting FITTER Financially
A smarter, structured approach to your home loan that recycles your money, paying down debt faster while building wealth at the same time.
~$500k debt structured as a normal home loan. Regular repayments are made each month. The more you put in, the faster the loan reduces.
Any amount you choose each month is drawn against this facility and invested: shares, ETFs, gold, or whatever you decide. It's entirely your call.
All borrowings through the investment facility are tax deductible, as they are used for investment purposes
Access to better education, new investment opportunities, and professional guidance
A strict budget is built around your loan structure, keeping you on track
All 20 rules are followed, keeping the strategy clean and compliant
The less you draw from the main home loan, the faster it reduces
Your money works in multiple directions at once, paying down debt and building wealth simultaneously
The Playbook
Max loan 110% of median, LVR ≤ 70%.
Credit cards capped at 5% of household salary.
Budget reviewed every quarter.
Tax return lodged before December (within 6 months).
Wills in place for every borrower.
Annual review fee paid; discounts unlocked.
1 referral per year to the lender / broker.
DCA payments match GISI savings, never more.
Concessional contributions matched to NOA income.
General insurance current; review letter signed.
Find Out If It's Right for You