Success Story

ADF HOUSING INVESTMENT PROPERTY:
SUCCESS STORY of a Double-Army Couple

This is a story of commitment and flexibility that turns out to be a great success!

 
Rae and Alyta came to us in April 2022. A double-Army couple ๐Ÿ‘ฉ๐Ÿปโ€๐Ÿคโ€๐Ÿ‘ฉ๐Ÿฝ living in Brisbane, we explored 2 x COAs: Build their first investment property (outside of their posting radius); or pull the trigger on their ADF and Govt housing entitlements and build their own home (PPOR).

 
After some analysis from the mortgage broker and more planning with Axon, it was decided that we would discard IP#1 and enact the COA that provides stability and surety ๐Ÿ‘Œ (building their PPOR). This was congruent with why they came to Axon, in their own words: ๐‘Š๐‘’ ๐‘๐‘’๐‘™๐‘–๐‘’๐‘ฃ๐‘’ ๐‘กโ„Ž๐‘Ž๐‘ก ๐ด๐‘ฅ๐‘œ๐‘› ๐‘๐‘Ž๐‘› โ„Ž๐‘’๐‘™๐‘ ๐‘ข๐‘  ๐‘–๐‘›๐‘ฃ๐‘’๐‘ ๐‘ก ๐‘–๐‘› ๐‘กโ„Ž๐‘’ ๐‘Ÿ๐‘–๐‘”โ„Ž๐‘ก ๐‘Ž๐‘Ÿ๐‘’๐‘Ž๐‘  ๐‘Ž๐‘›๐‘‘ ๐‘”๐‘–๐‘ฃ๐‘’ ๐‘ข๐‘  ๐‘Ž๐‘‘๐‘ฃ๐‘–๐‘๐‘’ ๐‘–๐‘› ๐‘Ÿ๐‘’๐‘”๐‘Ž๐‘Ÿ๐‘‘๐‘  ๐‘ก๐‘œ ๐‘คโ„Ž๐‘’๐‘› ๐‘–๐‘  ๐‘กโ„Ž๐‘’ ๐‘๐‘’๐‘ ๐‘ก ๐‘ก๐‘–๐‘š๐‘’ ๐‘ก๐‘œ ๐‘ข๐‘ ๐‘’ ๐‘œ๐‘ข๐‘Ÿ ๐ท๐‘’๐‘“๐‘’๐‘›๐‘๐‘’ ๐‘”๐‘Ÿ๐‘Ž๐‘›๐‘ก๐‘ /๐‘’๐‘›๐‘ก๐‘–๐‘ก๐‘™๐‘’๐‘š๐‘’๐‘›๐‘ก๐‘ , ๐‘๐‘’๐‘ก๐‘ก๐‘’๐‘Ÿ ๐‘กโ„Ž๐‘’๐‘› ๐‘คโ„Ž๐‘Ž๐‘ก ๐‘“๐‘Ž๐‘š๐‘–๐‘™๐‘ฆ ๐‘š๐‘’๐‘š๐‘๐‘’๐‘Ÿ๐‘  ๐‘๐‘Ž๐‘› ๐‘๐‘Ÿ๐‘œ๐‘ฃ๐‘–๐‘‘๐‘’โ€ฆ This is certainly true!

 
Eventually we found them a great land and build option. We could feel the excitement building! The location, timeline, budget and ๐Ÿก house design were spot on. $11K HPAS, $15K FHOG and DHOAS loan was all coming their way. We got this!

 
Unfortunately, the land developer started to fall behind with their process of creating a master-planned community. This delay would likely impact Rae and Alytaโ€™s posting and long-term outcomes. We were at a T-Junction. Disappointment. ๐Ÿคฌ FFS!

 
It was decided we needed to ๐ŸŽฏ switch targets, quickly! So we updated their sync matrix and amended the plan to cater for this new direction. The whole Axon team jumped in and went on the hunt for a suitable replacement. About a week later, phew, we found one! Whilst in a different location, this new option still ticked all the boxes. Letโ€™s get back on track.

 
๐“๐š๐ค๐ž ๐š ๐ฅ๐จ๐จ๐ค ๐š๐ญ ๐ญ๐ก๐ข๐ฌ ๐จ๐ฎ๐ญ๐ฌ๐ญ๐š๐ง๐๐ข๐ง๐  ๐ฉ๐ซ๐จ๐ฉ๐ž๐ซ๐ญ๐ฒ:
* ๐๐ฎ๐ซ๐œ๐ก๐š๐ฌ๐ž ๐ฉ๐ซ๐ข๐œ๐ž: $๐Ÿ”๐Ÿ’๐Ÿ‘๐Š (๐Ÿ’/๐Ÿ/๐Ÿ ๐ก๐จ๐ฎ๐ฌ๐ž, ๐…๐”๐‹๐‹ ๐ญ๐ฎ๐ซ๐ง๐ค๐ž๐ฒ)
* ๐’๐ญ๐š๐ซ๐ญ ๐จ๐Ÿ ๐œ๐จ๐ง๐ฌ๐ญ๐ซ๐ฎ๐œ๐ญ๐ข๐จ๐ง: ๐Ž๐œ๐ญ๐จ๐›๐ž๐ซ ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ‘
* ๐Š๐ž๐ฒ ๐ก๐š๐ง๐๐จ๐ฏ๐ž๐ซ: ๐Œ๐š๐ซ๐œ๐ก ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ’ (๐™๐ž๐ซ๐จ ๐œ๐จ๐ง๐ฌ๐ญ๐ซ๐ฎ๐œ๐ญ๐ข๐จ๐ง ๐๐ž๐ฅ๐š๐ฒ๐ฌ!)
* ๐’๐š๐ฆ๐ž ๐ฅ๐š๐ง๐ ๐š๐ง๐ ๐›๐ฎ๐ข๐ฅ๐ ๐ฏ๐š๐ฅ๐ฎ๐ž ๐ง๐จ๐ฐ: ~$๐Ÿ•๐Ÿ๐ŸŽ๐Š


Iโ€™d love to know your thoughts on the quality of this build. Rae and Alyta could not be happier with the result. Take a look at what they said in their 5โญ review about their journey with us:
๐‘Š๐‘’ ๐‘Ÿ๐‘’๐‘Ž๐‘โ„Ž๐‘’๐‘‘ ๐‘œ๐‘ข๐‘ก ๐‘ก๐‘œ ๐ด๐‘ฅ๐‘œ๐‘› ๐‘ก๐‘œ โ„Ž๐‘’๐‘™๐‘ ๐‘ค๐‘–๐‘กโ„Ž ๐‘ข๐‘›๐‘‘๐‘’๐‘Ÿ๐‘ ๐‘ก๐‘Ž๐‘›๐‘‘๐‘–๐‘›๐‘”, ๐‘๐‘™๐‘Ž๐‘›๐‘›๐‘–๐‘›๐‘” ๐‘Ž๐‘›๐‘‘ ๐‘๐‘ข๐‘Ÿ๐‘โ„Ž๐‘Ž๐‘ ๐‘–๐‘›๐‘” ๐‘™๐‘Ž๐‘›๐‘‘ ๐‘ ๐‘œ ๐‘ค๐‘’ ๐‘๐‘œ๐‘ข๐‘™๐‘‘ ๐‘๐‘ข๐‘–๐‘™๐‘‘ ๐‘œ๐‘ข๐‘Ÿ ๐‘“๐‘–๐‘Ÿ๐‘ ๐‘ก โ„Ž๐‘œ๐‘š๐‘’ ๐‘ค๐‘–๐‘กโ„Ž ๐‘–๐‘›๐‘ก๐‘’๐‘›๐‘ก๐‘–๐‘œ๐‘›๐‘  ๐‘ก๐‘œ ๐‘™๐‘–๐‘ฃ๐‘’ ๐‘–๐‘› ๐‘–๐‘ก ๐‘๐‘’๐‘“๐‘œ๐‘Ÿ๐‘’ ๐‘ก๐‘ข๐‘Ÿ๐‘›๐‘–๐‘›๐‘” ๐‘–๐‘ก ๐‘–๐‘›๐‘ก๐‘œ ๐‘Ž๐‘› ๐‘–๐‘›๐‘ฃ๐‘’๐‘ ๐‘ก๐‘š๐‘’๐‘›๐‘ก ๐‘๐‘Ÿ๐‘œ๐‘๐‘’๐‘Ÿ๐‘ก๐‘ฆ ๐‘–๐‘› ๐‘กโ„Ž๐‘’ ๐‘›๐‘’๐‘ฅ๐‘ก ๐‘“๐‘’๐‘ค ๐‘ฆ๐‘’๐‘Ž๐‘Ÿ๐‘ .


๐ด๐‘ฅ๐‘œ๐‘› ๐‘š๐‘Ž๐‘‘๐‘’ ๐‘กโ„Ž๐‘’ ๐‘คโ„Ž๐‘œ๐‘™๐‘’ ๐‘๐‘Ÿ๐‘œ๐‘๐‘’๐‘ ๐‘  ๐‘ ๐‘ข๐‘๐‘’๐‘Ÿ ๐‘โ„Ž๐‘–๐‘™๐‘™ ๐‘Ž๐‘›๐‘‘ ๐‘ค๐‘Ž๐‘  ๐‘๐‘œ๐‘›๐‘ก๐‘Ž๐‘๐‘ก๐‘Ž๐‘๐‘™๐‘’ ๐‘Ž๐‘›๐‘‘ ๐‘๐‘Ž๐‘ก๐‘–๐‘’๐‘›๐‘ก ๐‘Ž๐‘›๐‘‘ ๐‘’๐‘ฅ๐‘๐‘™๐‘Ž๐‘–๐‘›๐‘’๐‘‘ ๐‘Ž๐‘™๐‘™ ๐‘Ž๐‘ ๐‘๐‘’๐‘๐‘ก๐‘  ๐‘Ž๐‘™๐‘œ๐‘›๐‘” ๐‘กโ„Ž๐‘’ ๐‘ค๐‘Ž๐‘ฆ. ๐‘Š๐‘’ โ„Ž๐‘Ž๐‘‘ ๐‘Ž โ„Ž๐‘–๐‘๐‘๐‘ข๐‘ ๐‘ค๐‘–๐‘กโ„Ž ๐‘กโ„Ž๐‘’ ๐‘™๐‘Ž๐‘›๐‘‘ ๐‘Ÿ๐‘’๐‘”๐‘–๐‘ ๐‘ก๐‘Ÿ๐‘Ž๐‘ก๐‘–๐‘œ๐‘› ๐‘ค๐‘–๐‘กโ„Ž ๐‘œ๐‘ข๐‘Ÿ ๐‘œ๐‘Ÿ๐‘–๐‘”๐‘–๐‘›๐‘Ž๐‘™ ๐‘๐‘ข๐‘Ÿ๐‘โ„Ž๐‘Ž๐‘ ๐‘’๐‘‘ ๐‘™๐‘Ž๐‘›๐‘‘ ๐‘๐‘ข๐‘ก ๐‘คโ„Ž๐‘’๐‘› ๐‘กโ„Ž๐‘’๐‘ฆ ๐‘๐‘Ÿ๐‘’๐‘ ๐‘’๐‘›๐‘ก๐‘’๐‘‘ ๐‘กโ„Ž๐‘–๐‘  ๐‘กโ„Ž๐‘’๐‘ฆ ๐‘Ž๐‘™๐‘ ๐‘œ ๐‘๐‘Ÿ๐‘’๐‘ ๐‘’๐‘›๐‘ก๐‘’๐‘‘ ๐‘ก๐‘œ ๐‘œ๐‘๐‘ก๐‘–๐‘œ๐‘›๐‘  ๐‘š๐‘œ๐‘ฃ๐‘–๐‘›๐‘” ๐‘“๐‘œ๐‘Ÿ๐‘ค๐‘Ž๐‘Ÿ๐‘‘ ๐‘คโ„Ž๐‘–๐‘โ„Ž ๐‘ ๐‘Ž๐‘ค ๐‘ข๐‘  ๐‘๐‘ข๐‘ฆ๐‘–๐‘›๐‘” ๐‘Ž ๐‘›๐‘’๐‘ค ๐‘๐‘–๐‘’๐‘๐‘’ ๐‘œ๐‘“ ๐‘™๐‘Ž๐‘›๐‘‘ ๐‘Ž๐‘›๐‘‘ ๐‘Ÿ๐‘’๐‘๐‘’๐‘–๐‘ฃ๐‘–๐‘›๐‘” ๐‘œ๐‘ข๐‘Ÿ ๐‘œ๐‘Ÿ๐‘–๐‘”๐‘–๐‘›๐‘Ž๐‘™ ๐‘‘๐‘’๐‘๐‘œ๐‘ ๐‘–๐‘ก ๐‘๐‘Ž๐‘๐‘˜.


๐‘‡โ„Ž๐‘’ ๐‘ก๐‘’๐‘Ž๐‘š ๐‘–๐‘  ๐‘ ๐‘ข๐‘๐‘’๐‘Ÿ ๐‘Ž๐‘๐‘๐‘Ÿ๐‘œ๐‘Ž๐‘โ„Ž๐‘Ž๐‘๐‘™๐‘’ ๐‘Ž๐‘›๐‘‘ ๐‘™๐‘œ๐‘ฃ๐‘’๐‘™๐‘ฆ, ๐‘๐‘Ÿ๐‘œ๐‘ฃ๐‘–๐‘‘๐‘–๐‘›๐‘” ๐‘กโ„Ž๐‘Ž๐‘ก ๐‘’๐‘ฅ๐‘ก๐‘Ÿ๐‘Ž 1% ๐‘œ๐‘“ ๐‘๐‘’๐‘Ÿ๐‘ ๐‘œ๐‘›๐‘Ž๐‘™๐‘–๐‘ ๐‘’๐‘‘ ๐‘๐‘Ž๐‘Ÿ๐‘’ ๐‘กโ„Ž๐‘Ÿ๐‘œ๐‘ข๐‘”โ„Ž ๐‘๐‘œ๐‘›๐‘”๐‘Ÿ๐‘Ž๐‘ก๐‘ข๐‘™๐‘Ž๐‘ก๐‘–๐‘œ๐‘›/ ๐‘๐‘–๐‘Ÿ๐‘กโ„Ž๐‘‘๐‘Ž๐‘ฆ ๐‘๐‘Ž๐‘Ÿ๐‘‘๐‘  ๐‘Ž๐‘›๐‘‘ ๐‘Ž๐‘š๐‘Ž๐‘ง๐‘–๐‘›๐‘” ๐‘”๐‘–๐‘“๐‘ก๐‘  ๐‘Ž๐‘›๐‘‘ ๐‘Ž๐‘‘๐‘ฃ๐‘–๐‘๐‘’ ๐‘Ž๐‘  ๐‘“๐‘ข๐‘ก๐‘ข๐‘Ÿ๐‘’ ๐‘™๐‘Ž๐‘›๐‘‘๐‘™๐‘œ๐‘Ÿ๐‘‘๐‘  ๐‘Ž๐‘™๐‘œ๐‘›๐‘” ๐‘กโ„Ž๐‘’ ๐‘ค๐‘Ž๐‘ฆ.


๐‘‡โ„Ž๐‘’ ๐‘คโ„Ž๐‘œ๐‘™๐‘’ ๐‘๐‘ข๐‘–๐‘™๐‘‘ ๐‘๐‘Ÿ๐‘œ๐‘๐‘’๐‘ ๐‘  ๐‘ค๐‘Ž๐‘  ๐‘’๐‘ฅ๐‘ก๐‘Ÿ๐‘’๐‘š๐‘’๐‘™๐‘ฆ ๐‘ ๐‘ก๐‘Ÿ๐‘’๐‘Ž๐‘š๐‘™๐‘–๐‘›๐‘’ ๐‘Ž๐‘›๐‘‘ ๐‘ž๐‘ข๐‘–๐‘๐‘˜ ๐‘ โ„Ž๐‘œ๐‘ค๐‘–๐‘›๐‘” ๐‘กโ„Ž๐‘Ž๐‘ก ๐‘กโ„Ž๐‘’ ๐‘๐‘ข๐‘–๐‘™๐‘‘๐‘’๐‘Ÿ๐‘  ๐‘กโ„Ž๐‘Ž๐‘ก ๐‘ค๐‘’๐‘Ÿ๐‘’ ๐‘ข๐‘ ๐‘’๐‘‘ ๐‘Ž๐‘Ÿ๐‘’ ๐‘—๐‘ข๐‘ ๐‘ก ๐‘Ž๐‘  ๐‘๐‘Ÿ๐‘œ๐‘“๐‘’๐‘ ๐‘ ๐‘–๐‘œ๐‘›๐‘Ž๐‘™ ๐‘Ž๐‘  ๐ด๐‘ฅ๐‘œ๐‘› ๐‘Ž๐‘Ÿ๐‘’.


๐‘†๐‘Ž๐‘“๐‘’ ๐‘ก๐‘œ ๐‘ ๐‘Ž๐‘ฆ, ๐‘’๐‘ฃ๐‘’๐‘› ๐‘Ž๐‘“๐‘ก๐‘’๐‘Ÿ ๐‘Ž โ„Ž๐‘–๐‘๐‘๐‘ข๐‘ ๐‘Ž๐‘™๐‘œ๐‘›๐‘” ๐‘กโ„Ž๐‘’ ๐‘ค๐‘Ž๐‘ฆ ๐‘กโ„Ž๐‘’ ๐‘คโ„Ž๐‘œ๐‘™๐‘’ ๐‘๐‘Ÿ๐‘œ๐‘๐‘’๐‘ ๐‘  ๐‘ค๐‘Ž๐‘  ๐‘Ž๐‘  ๐‘ ๐‘ก๐‘Ÿ๐‘’๐‘ ๐‘  ๐‘“๐‘Ÿ๐‘’๐‘’ ๐‘Ž๐‘  ๐‘–๐‘ก ๐‘๐‘œ๐‘ข๐‘™๐‘‘ ๐‘๐‘’ ๐‘Ž๐‘›๐‘‘ ๐‘ค๐‘’ โ„Ž๐‘–๐‘”โ„Ž๐‘™๐‘ฆ ๐‘Ÿ๐‘’๐‘๐‘œ๐‘š๐‘š๐‘’๐‘›๐‘‘ ๐ด๐‘ฅ๐‘œ๐‘› ๐‘ก๐‘œ ๐‘Ž๐‘›๐‘ฆ๐‘œ๐‘›๐‘’ ๐‘™๐‘œ๐‘œ๐‘˜๐‘–๐‘›๐‘” ๐‘ก๐‘œ ๐‘๐‘ข๐‘ฆ/๐‘๐‘ข๐‘–๐‘™๐‘‘ ๐‘Ž โ„Ž๐‘œ๐‘š๐‘’.


Fast forward to now, theyโ€™re both loving mothers of their beautiful ๐Ÿ‘ฉโ€๐Ÿ‘ฉโ€๐Ÿ‘ง new daughter. What a story of commitment and flexibility.

 
PS: that original block of land is STILL not ready to build onโ€ฆ FFS (again)