THE BIG MONEY PLAN: WHY YOUR MORTGAGE IS THE LEAST IMPORTANT NUMBER
Stop chasing a 0.1% interest rate discount. You’re losing the war.
The heavy, rhythmic thrum of a high-end car door closing in a silent, underground concrete garage.
When most people think about property, they obsess over the rate. They spend weeks comparing banks while ignoring the fact that they are buying in a suburb with zero "Equity Alpha."
Here is the smart big sister advice: The price you pay is a one-time event.
The strategy you deploy is a ten-year wealth engine. I recently saw two buyers. One bought a brand-new apartment because it was "easy." The other bought a "homely" fixer-upper on a 600sqm block in a heritage-protected pocket.
Fast forward three years: the apartment value is flat, while the heritage block has grown by 22%.
The "Big Money Plan" isn't about saving pennies; it's about "Asset Selection." We look for three specific markers:
Land-to-Asset Ratio: You want the land to be worth at least 70% of the total price.
Scarcity Markers: If they can build 100 more of these next door, walk away.
The 48-Hour Move: We use aggressive negotiation to buy under market value by solving the seller’s problem—speed or certainty—rather than just throwing money at them.
Stop looking at the monthly repayment and start looking at the ten-year equity projection. That is how you build a sanctuary.
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