From Debt to Financial Freedom with InSynergy Property


Richard Sheppard – Property Investment advisor, teaches you how to use financial strategy to turn equity in your home into improved day-to-day cash-flow and take the step into investment safely and effectively. It’s an all-too-familiar scenario for us at inSynergy.

A couple with three children who were struggling with cash-flow.

They had a principal and interest property loan with 20 years or repayments left, two car leases and some credit card debt. They felt stressed and financially trapped.

What they didn’t understand was the power of the $1.5 million of equity they had in their $2 million home, built from that property’s strong capital growth over the past seven years. Our clients wanted to improve their financial position but didn’t know they could use their equity to turn things around.


A couple with three children and cashflow issues had:

  • A principal and interest property loan with 20 years of payments left.

  • Two car leases and some credit card debt. 

  • $1.5 million of equity in their $2 million home, from strong capital growth over the past seven years. 


  1. Restructure finances to increase cash flow

By revaluing, restructuring and refinancing their home loan inSynergy:

  • Reduced their home loan interest rate from 4.7% to 3.7%, Saving $5,000 PA.

  • Extended the loan term from 20 to 30 years, lowering minimum repayments from $3,190 per month to $2,273 per month. Reducing payments by $917.00 per month.

  • Refinanced $50,000 worth of car loans as seperate loans secured by their home, reducing the interest rate to 3.6% and extending the term from 3 years to 10 years, slashing  payments from $1,500 to $500 per month.

  • Paid out and cancelled 10k worth of credit card debt using their home loan, reducing the interest on the debt from 22% to 3.6%.


Total cash flow saving per month = $2,257.00pm

$27,084 per annum. Annual interest savings were $7,540.

2. Cash flow Savings = reduce risk and allow for investing

Next inSynergy used the equity, cash flow and savings in interest to:

  • Fund income protection

  • Qualify for two investment loans for $700,000 each

  • Acquire positive cashflow investment properties in high growth areas

  • Create a $100,000 line of credit fund as a cashflow buffer

  • The financial restructure substantially improved their borrowing capacity as all their loan repayments were so much lower.

  • They could borrow against the equity in their home to access enough funds for the investment properties and two credit line buffers of $50,000 each.

The equation looked like this:

Investment Properties Purchased 2x $700,000

25% deposit + costs 2x $175,000

Total Funds raised from equity $350,000

Extra Equity allowed for Credit Line 2 x $ 50,000

Total cash flow buffer $100,000

The equity funds allowed them to borrow the other 80% required against the investment properties. inSynergy sourced two $700,000 investment properties which had rental incomes and tax benefits high enough to pay all interest and ongoing costs, including the loans for the deposit and costs.

Each property was approximately $200 cash flow positive every week. ($20,800 PA combined).

Even better was the Capital Growth forecasts of 70% over the next eight years in the areas of purchase.

3.  Build Wealth Safely by eliminating Bad Debt

Now with an additional cash flow of $27,084 from the refinance and $20,800 from the investment properties = $47,884 Per Annum

The result:

  • The Home loan to be paid down in less than 10 years.

  • Financed valuable income protection (a must have for any investor).

  • Cashflow surplus allowing new  lifestyle choices.

  • 2x Income producing investment properties.

  • $100,000 cash buffer if needed on standby.

Their finance structure is now far safer and returning far more for their family wealth. Conservative forecasts estimate that within about 10 years they will potentially:

  • Own their home.

  • Have 3x more investment properties.

  • Have 2 million in additional equity above their family home.

  • Have cashflow 10k better off per month than now.

With a position like that in ten years, imagine where they could take it over another decade. And remember, this strategy does not require investors stumping up any cash. Equity does the heavy lifting.

Our clients have told us what a weight off their minds it is to be actively doing something for their family’s future and to be in such a great position now.

This feeling of relief provides us with a great deal of satisfaction – in fact, it’s what drives us to come to work every day.

Book in a complimentary 60-minute consultation to find out how we can help you become actively involved in creating a better future for yourself and your family.