In 2021, a couple approached us with dreams of building wealth through property investment. While excited by the opportunities real estate could offer, they were uncertain about where to start. Like many others, they assumed they needed significant cash savings to begin and were concerned about how an investment might impact their cashflow. With plans to extend their family, they were cautious about taking on a financial commitment that might stretch their resources too thin.

They turned to IFP Advisory because of our reputation for delivering expert, tailored advice and for being Qualified Property Investment Advisors (QPIAs) and members of the Property Investment Professionals of Australia (PIPA). These credentials reflect our commitment to ethical, transparent practices and our ability to guide clients confidently through every step of their investment journey. For this couple, choosing IFP Advisory meant partnering with a trusted team who could turn their aspirations into actionable results.

Breaking down barriers and building a plan
The couple’s hesitation was understandable, as they had limited experience in property investment and were concerned about balancing cashflow with long-term goals. During our initial meeting, we addressed their concerns and misconceptions. They believed they needed years of savings to get started and were worried that an investment property might strain their budget.

We reassured them by explaining how leveraging their existing equity made their investment goals more achievable than they thought. Through our detailed process, we assessed their financial position, equity, risk tolerance, and long-term aspirations.

Our analysis revealed a clear strategy that aligned with their goals:

1. Achieve long-term capital growth through a high-performing property.
2. Secure steady rental income to support cashflow and financial stability.
3. Build a strategy that matched their cautious approach while providing flexibility for future family plans.

By taking the time to understand their needs, we were able to design a growth and cashflow strategy that aligned with their risk profile and goals.

Creating confidence through data
Understanding the couple’s concerns about cashflow, we ran through detailed data and projections for potential properties. We presented conservative estimates for rental income and highlighted the tax benefits that would reduce their holding costs.

After reviewing the numbers, they were surprised by how affordable the investment property could be.
They realised that, after factoring in tax deductions and the rental income, the property would have a minimal impact on their cashflow. This not only gave them the confidence to proceed but inspired them to set their sights even higher, decided to plan for two properties instead.

Choosing the Perfect Property
After thorough research, we identified a property that aligned perfectly with their goals. Located in Banya on the Sunshine Coast in Queensland, the property was designed to provide excellent rental yields and long-term equity gains.

Why Banya?
Banya stood out as a high-growth area offering significant investment potential. Just 90km north of Brisbane CBD and 30km south of Maroochydore CBD, it provided convenient access to major business districts while maintaining a desirable coastal lifestyle. The area featured ongoing infrastructure developments, including award-winning parks, schools, and retail precincts, alongside a low vacancy rate of just 0.7%. These factors, combined with a growing population, made Banya a standout choice for achieving both rental income and capital growth.

The key highlights of this property included:

• Leveraging Equity: Using $200,000 in equity from their home, the couple was able to purchase a property for $610,671 without needing significant upfront cash savings.
• High-Growth Location: Positioned in a thriving community with strong demand and growth potential.
• Strong Cashflow: The property generated rental income of $555 per week at purchase, ensuring consistent cashflow while covering holding costs.

Our team guided them through every step, from securing financing to property management. By providing end-to-end support, we ensured their journey was seamless and stress-free.

From investment to success
Within just 3.8 years, the results have been extraordinary:

• Capital Growth: The property’s value increased from $610,671 to $840,000, reflecting a gain of $229,329—a remarkable 13.74% annual growth rate.
• Rental Income: Initially generating $555 per week, the property’s rent has now increased to $750 per week, a 35% rise that significantly boosts cashflow.
• Equity Growth: With the property’s growth, the couple now holds $429,329 in equity, giving them the confidence to reinvest.
• Portfolio Expansion: This first step set the foundation for growth. The couple has since purchased their third investment property and is already considering their fourth.

Why They Chose IFP Advisory
This couple’s journey highlights the importance of choosing the right team. At IFP Advisory, we pride ourselves on creating tailored strategies that align with each client’s goals. Our credentials as QPIAs ensure every recommendation is backed by expertise, while our membership with PIPA reflects our commitment to ethical and transparent advice.

We didn’t just help this couple invest in property, we helped them invest in their future. By addressing their concerns, creating a plan that respected their cautious nature, and guiding them every step of the way, we enabled them to achieve incredible results.

Your Journey Starts Here
Are you ready to take the next step toward financial freedom? Whether you’re just starting out or looking to grow your portfolio, IFP Advisory can help.

For further insights on property investment, avoiding common pitfalls and staying informed about market conditions. reach out to John Tsoulos or Frank Pennis at IFP Advisory on (08) 8423 6176. Your investment success depends on making informed, strategic decisions.

IFP Advisory is an Accredited ASPIRE Property Advisor Network advisor and all professionals are Qualified Property Investment Advisors (QPIA). Property investing is about purchasing a property that aligns with your goals and investment strategy. You should never be sold an investment. Know your numbers! If you invest wisely and strategically, the Australian residential property market can be a rewarding venture.