ADF HOUSING INVESTMENT PROPERTY:
An aviation officers success story

Mr L first came to us in Dec 2023. He was a 24-year-old Army Aviation Officer posted to NAS Nowra, attending flight school. After watching our online ADF property training videos, he came to us with a vision of entering the property market by purchasing his first investment property. Whilst he had been good with his money mindset and money habits, Mr L still needed the assistance of family to get started, without having to save for the next 2-3 years.

His profile stated: “𝐼’𝑣𝑒 𝑏𝑒𝑒𝑛 𝑟𝑎𝑖𝑠𝑒𝑑 𝑖𝑛 𝑎 𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙𝑙𝑦 𝑙𝑖𝑡𝑒𝑟𝑎𝑡𝑒 𝑓𝑎𝑚𝑖𝑙𝑦 𝑎𝑛𝑑 𝑒𝑥𝑝𝑒𝑟𝑖𝑒𝑛𝑐𝑒𝑑 𝑖𝑛 𝑡ℎ𝑒 𝑠ℎ𝑎𝑟𝑒 𝑚𝑎𝑟𝑘𝑒𝑡, 𝑏𝑢𝑡 ℎ𝑎𝑣𝑒 𝑙𝑖𝑡𝑡𝑙𝑒 𝑡𝑜 𝑛𝑜 𝑒𝑥𝑝𝑜𝑠𝑢𝑟𝑒 𝑡𝑜 𝑡ℎ𝑒 𝑝𝑟𝑜𝑝𝑒𝑟𝑡𝑦 𝑚𝑎𝑟𝑘𝑒𝑡 𝑜𝑡ℎ𝑒𝑟 𝑡ℎ𝑎𝑛 𝑜𝑤𝑛𝑖𝑛𝑔 𝑡ℎ𝑒𝑖𝑟 𝑜𝑤𝑛 ℎ𝑜𝑚𝑒𝑠. 𝐴𝑥𝑜𝑛 𝑐𝑎𝑛 ℎ𝑒𝑙𝑝 𝑚𝑒 𝑏𝑦 𝑓𝑖𝑛𝑑𝑖𝑛𝑔 𝑝𝑟𝑜𝑝𝑒𝑟𝑡𝑦 𝑜𝑝𝑡𝑖𝑜𝑛𝑠 𝑡𝑜 𝑠𝑢𝑖𝑡 𝑚𝑦 𝑐𝑢𝑟𝑟𝑒𝑛𝑡 𝑠𝑖𝑡𝑢𝑎𝑡𝑖𝑜𝑛 𝑎𝑛𝑑 𝑔𝑜𝑎𝑙𝑠. 𝐼 𝑑𝑜𝑛’𝑡 𝑘𝑛𝑜𝑤 ℎ𝑜𝑤 𝑡𝑜 𝑙𝑜𝑜𝑘 𝑎𝑡 𝑎 ℎ𝑜𝑚𝑒 𝑎𝑛𝑑 𝑓𝑜𝑟𝑒𝑐𝑎𝑠𝑡 𝑐𝑎𝑠ℎ 𝑓𝑙𝑜𝑤𝑠 𝑎𝑛𝑑 𝑔𝑟𝑜𝑤𝑡ℎ 𝑟𝑒𝑙𝑖𝑎𝑏𝑙𝑦, 𝑎𝑛𝑑 𝑜𝑝𝑡𝑖𝑚𝑖𝑠𝑒 𝑡ℎ𝑒 𝑎𝑐𝑐𝑜𝑢𝑛𝑡𝑖𝑛𝑔 𝑓𝑜𝑟 𝑡𝑎𝑥 𝑝𝑢𝑟𝑝𝑜𝑠𝑒𝑠. 𝑌𝑜𝑢 𝑐𝑎𝑛 𝑎𝑙𝑠𝑜 ℎ𝑒𝑙𝑝 𝑏𝑦 𝑠𝑡𝑟𝑒𝑎𝑚𝑙𝑖𝑛𝑖𝑛𝑔 𝑡ℎ𝑒 𝑝𝑟𝑜𝑐𝑒𝑠𝑠 𝑓𝑜𝑟 𝑑𝑒𝑎𝑙𝑖𝑛𝑔 𝑤𝑖𝑡ℎ 𝑜𝑡ℎ𝑒𝑟 𝑠𝑡𝑎𝑘𝑒ℎ𝑜𝑙𝑑𝑒𝑟𝑠 𝑠𝑢𝑐ℎ 𝑎𝑠 𝑏𝑟𝑜𝑘𝑒𝑟𝑠, 𝑠𝑜𝑙𝑖𝑐𝑖𝑡𝑜𝑟𝑠 𝑎𝑛𝑑 𝑝𝑟𝑜𝑝𝑒𝑟𝑡𝑦 𝑚𝑎𝑛𝑎𝑔𝑒𝑟𝑠.”

Yep, that sums up a lot of what we do…

What you’re seeing here is the outcome of Mr L’s first investment property:

* 𝐏𝐮𝐫𝐜𝐡𝐚𝐬𝐞 𝐩𝐫𝐢𝐜𝐞: $𝟓𝟖𝟎𝐊 (𝟒/𝟐/𝟐 𝐭𝐞𝐫𝐫𝐚𝐜𝐞, 𝐅𝐔𝐋𝐋 𝐭𝐮𝐫𝐧𝐤𝐞𝐲)

* 𝐒𝐭𝐚𝐫𝐭 𝐨𝐟 𝐜𝐨𝐧𝐬𝐭𝐫𝐮𝐜𝐭𝐢𝐨𝐧: 𝐌𝐚𝐲 𝟐𝟎𝟐𝟒

* 𝐊𝐞𝐲 𝐡𝐚𝐧𝐝𝐨𝐯𝐞𝐫: 𝐉𝐚𝐧 𝟐𝟎𝟐𝟓

* 𝐑𝐞𝐧𝐭 𝐚𝐜𝐡𝐢𝐞𝐯𝐞𝐝: $𝟓𝟒𝟎𝐩𝐰

* 𝐄𝐬𝐭𝐢𝐦𝐚𝐭𝐞𝐝 𝐯𝐚𝐥𝐮𝐞 𝐧𝐨𝐰: ~$𝟔𝟖𝟎𝐊+

Over the years, some clients have turned their noses up at buying a terrace property. Here’s the thing: you need to buy in a master-planned community within a massive growth corridor, all while staying strictly within your budget. And if that means it’s a terrace house, then that’s what you’re buying.

Besides, it’s better to own 100% of something than wait until a traditional house comes along that you cannot afford right now.

This is Mr L’s recent 5 review: “𝐼 𝑟𝑒𝑎𝑐ℎ𝑒𝑑 𝑜𝑢𝑡 𝑡𝑜 𝐴𝑥𝑜𝑛 𝑎𝑓𝑡𝑒𝑟 ℎ𝑒𝑎𝑟𝑖𝑛𝑔 𝑡ℎ𝑎𝑡 𝑎𝑛 𝑆𝐺𝐼 𝑡ℎ𝑎𝑡 𝐼 ℎ𝑎𝑑 𝑎𝑡 𝑅𝑀𝐶 ℎ𝑎𝑑 𝑏𝑢𝑖𝑙𝑡 𝑚𝑢𝑙𝑡𝑖𝑝𝑙𝑒 𝑝𝑟𝑜𝑝𝑒𝑟𝑡𝑖𝑒𝑠 𝑤𝑖𝑡ℎ 𝑡ℎ𝑒𝑚 𝑎𝑛𝑑 ℎ𝑎𝑑 𝑎 𝑔𝑜𝑜𝑑 𝑒𝑥𝑝𝑒𝑟𝑖𝑒𝑛𝑐𝑒. 𝐼 ℎ𝑜𝑙𝑑 𝑡ℎ𝑎𝑡 𝑆𝐺𝐼 𝑖𝑛 𝑖𝑚𝑚𝑒𝑛𝑠𝑒 𝑟𝑒𝑠𝑝𝑒𝑐𝑡 𝑎𝑛𝑑 𝑐𝑟𝑒𝑑𝑖𝑡 𝑚𝑢𝑐ℎ 𝑜𝑓 𝑤ℎ𝑜 𝐼 𝑎𝑚 𝑎𝑠 𝑎𝑛 𝑜𝑓𝑓𝑖𝑐𝑒𝑟 𝑡𝑜 ℎ𝑖𝑠 𝑐ℎ𝑎𝑟𝑎𝑐𝑡𝑒𝑟 𝑎𝑛𝑑 𝑐𝑜𝑛𝑣𝑖𝑐𝑡𝑖𝑜𝑛. 𝑁𝑜𝑤 𝑡ℎ𝑎𝑡 𝑆𝐺𝐼 ℎ𝑎𝑠 𝑙𝑒𝑓𝑡 𝐷𝑒𝑓𝑒𝑛𝑐𝑒 𝑎𝑛𝑑 𝑤𝑜𝑟𝑘𝑠 𝑓𝑜𝑟 𝐴𝑥𝑜𝑛.

𝐼 𝑐𝑜𝑚𝑒 𝑓𝑟𝑜𝑚 𝑎 𝑓𝑎𝑚𝑖𝑙𝑦 𝑡ℎ𝑎𝑡 ℎ𝑎𝑠 𝑎𝑙𝑤𝑎𝑦𝑠 𝑖𝑛𝑣𝑒𝑠𝑡𝑒𝑑 𝑖𝑛 𝑡ℎ𝑒 𝑠ℎ𝑎𝑟𝑒 𝑚𝑎𝑟𝑘𝑒𝑡 𝑎𝑛𝑑 𝑜𝑛𝑙𝑦 𝑜𝑤𝑛𝑒𝑑 𝑝𝑟𝑜𝑝𝑒𝑟𝑡𝑦 𝑓𝑜𝑟 𝑎 𝑃𝑃𝑂𝑅. 𝐼 𝑤𝑎𝑛𝑡𝑒𝑑 𝑡𝑜 𝑑𝑖𝑣𝑒𝑟𝑠𝑖𝑓𝑦 𝑚𝑦 𝑎𝑠𝑠𝑒𝑡𝑠 𝑤ℎ𝑖𝑙𝑒 𝑔𝑟𝑜𝑤𝑖𝑛𝑔 𝑚𝑦 𝑤𝑒𝑎𝑙𝑡ℎ 𝑡𝑜 ℎ𝑎𝑣𝑒 𝑡ℎ𝑒 𝑐𝑎𝑝𝑎𝑐𝑖𝑡𝑦 𝑡𝑜 𝑝𝑟𝑜𝑑𝑢𝑐𝑒 𝑝𝑎𝑠𝑠𝑖𝑣𝑒 𝑖𝑛𝑐𝑜𝑚𝑒 𝑜𝑣𝑒𝑟 𝑎 10-15 𝑦𝑒𝑎𝑟 𝑡𝑖𝑚𝑒𝑓𝑟𝑎𝑚𝑒, 𝑝𝑟𝑜𝑣𝑖𝑑𝑖𝑛𝑔 𝑜𝑝𝑡𝑖𝑜𝑛𝑠 𝑓𝑜𝑟 𝑟𝑒𝑑𝑢𝑐𝑒𝑑 𝑒𝑚𝑝𝑙𝑜𝑦𝑚𝑒𝑛𝑡 𝑖𝑓 𝐼 ℎ𝑎𝑣𝑒 𝑎 𝑦𝑜𝑢𝑛𝑔 𝑓𝑎𝑚𝑖𝑙𝑦. 𝐴𝑥𝑜𝑛 𝑝𝑟𝑜𝑣𝑖𝑑𝑒𝑑 𝑎 𝑠𝑖𝑚𝑝𝑙𝑖𝑓𝑖𝑒𝑑 𝑎𝑛𝑑 𝑡𝑟𝑎𝑛𝑠𝑝𝑎𝑟𝑒𝑛𝑡 𝑝𝑟𝑜𝑐𝑒𝑠𝑠 𝑡𝑜 𝑔𝑒𝑡 𝑚𝑒 𝑖𝑛𝑡𝑜 𝑡ℎ𝑒 𝑝𝑟𝑜𝑝𝑒𝑟𝑡𝑦 𝑚𝑎𝑟𝑘𝑒𝑡.

𝐻𝑎𝑣𝑖𝑛𝑔 𝑡ℎ𝑒 𝑠𝑢𝑝𝑝𝑜𝑟𝑡 𝑖𝑛 𝑏𝑜𝑡ℎ 𝑐ℎ𝑜𝑜𝑠𝑖𝑛𝑔 𝑎 𝑙𝑜𝑐𝑎𝑙𝑖𝑡𝑦 𝑡ℎ𝑎𝑡 ℎ𝑎𝑠 𝑠𝑡𝑟𝑜𝑛𝑔 𝑔𝑟𝑜𝑤𝑡ℎ 𝑝𝑟𝑜𝑠𝑝𝑒𝑐𝑡𝑠 𝑎𝑛𝑑 𝑡ℎ𝑒 𝑠𝑢𝑝𝑝𝑜𝑟𝑡 𝑡ℎ𝑟𝑜𝑢𝑔ℎ 𝑡ℎ𝑒 𝑏𝑢𝑖𝑙𝑑 𝑝𝑟𝑜𝑐𝑒𝑠𝑠 𝑤𝑎𝑠 𝑡ℎ𝑒 𝑔𝑟𝑒𝑎𝑡𝑒𝑠𝑡 𝑣𝑎𝑙𝑢𝑒 𝑝𝑟𝑜𝑣𝑖𝑑𝑒𝑑. 𝐼 𝑤𝑎𝑠 𝑐𝑜𝑚𝑝𝑙𝑒𝑡𝑖𝑛𝑔 𝑓𝑙𝑖𝑔ℎ𝑡 𝑠𝑐ℎ𝑜𝑜𝑙 𝑎𝑙𝑜𝑛𝑔 𝑤𝑖𝑡ℎ 𝑎 𝑓𝑒𝑤 𝑜𝑡ℎ𝑒𝑟 𝑡𝑖𝑚𝑒-𝑐𝑜𝑛𝑠𝑢𝑚𝑖𝑛𝑔 𝑟𝑒𝑞𝑢𝑖𝑟𝑒𝑚𝑒𝑛𝑡𝑠 𝑑𝑢𝑟𝑖𝑛𝑔 𝑡ℎ𝑒 𝑝𝑟𝑜𝑐𝑒𝑠𝑠, 𝑤ℎ𝑖𝑐ℎ 𝑚𝑎𝑑𝑒 𝑚𝑒 𝑝𝑟𝑖𝑜𝑟𝑖𝑡𝑖𝑠𝑒 ℎ𝑎𝑣𝑖𝑛𝑔 𝑎𝑠 𝑙𝑖𝑡𝑡𝑙𝑒 𝑡𝑜 𝑑𝑜 𝑤𝑖𝑡ℎ 𝑡ℎ𝑒 𝑏𝑢𝑖𝑙𝑑 𝑎𝑠 𝐼 𝑐𝑜𝑢𝑙𝑑 𝑔𝑒𝑡 𝑎𝑤𝑎𝑦 𝑤𝑖𝑡ℎ. 𝑇ℎ𝑒 𝑡𝑒𝑎𝑚 𝑎𝑡 𝐴𝑥𝑜𝑛 𝑎𝑐𝑡𝑖𝑣𝑒𝑙𝑦 𝑎𝑠𝑘𝑒𝑑 ℎ𝑜𝑤 𝑚𝑢𝑐ℎ 𝑖𝑛𝑣𝑜𝑙𝑣𝑒𝑚𝑒𝑛𝑡 𝐼 𝑤𝑎𝑛𝑡𝑒𝑑 𝑎𝑛𝑑 𝑠𝑢𝑝𝑝𝑜𝑟𝑡𝑒𝑑 𝑚𝑦 𝑟𝑒𝑞𝑢𝑒𝑠𝑡. 𝐴𝑠 𝑠𝑢𝑐ℎ, 𝑡ℎ𝑒𝑦 𝑜𝑛𝑙𝑦 𝑐𝑜𝑛𝑡𝑎𝑐𝑡𝑒𝑑 𝑚𝑒 𝑤ℎ𝑒𝑛 𝑡ℎ𝑒𝑦 𝑛𝑒𝑒𝑑𝑒𝑑 𝑎 𝑠𝑖𝑔𝑛𝑎𝑡𝑢𝑟𝑒 𝑎𝑛𝑑 𝑙𝑒𝑓𝑡 𝑚𝑒 𝑡𝑜 𝑓𝑜𝑐𝑢𝑠 𝑜𝑛 𝑛𝑜𝑡 𝑓𝑎𝑖𝑙𝑖𝑛𝑔 𝑝𝑖𝑙𝑜𝑡’𝑠 𝑐𝑜𝑢𝑟𝑠𝑒. 𝐼𝑛 𝑜𝑣𝑒𝑟𝑣𝑖𝑒𝑤, 𝑡ℎ𝑒 𝑝𝑟𝑜𝑐𝑒𝑠𝑠 𝑤𝑎𝑠 𝑝𝑒𝑟𝑓𝑒𝑐𝑡𝑙𝑦 𝑏𝑜𝑟𝑖𝑛𝑔, 𝑤ℎ𝑖𝑐ℎ 𝑖𝑠 𝑒𝑥𝑎𝑐𝑡𝑙𝑦 𝑤ℎ𝑎𝑡 𝐼 𝑤𝑎𝑛𝑡𝑒𝑑. 𝑇ℎ𝑒 𝑠𝑒𝑡𝑡𝑙𝑒𝑚𝑒𝑛𝑡 𝑤𝑎𝑠 𝑠𝑚𝑜𝑜𝑡ℎ, 𝑡ℎ𝑒 𝑏𝑢𝑖𝑙𝑑 𝑤𝑎𝑠 𝑐𝑜𝑚𝑝𝑙𝑒𝑡𝑒𝑑 𝑤𝑖𝑡ℎ𝑜𝑢𝑡 𝑑𝑒𝑙𝑎𝑦, 𝑎𝑛𝑑 𝐼 𝑤𝑎𝑠𝑛’𝑡 𝑟𝑒𝑞𝑢𝑖𝑟𝑒𝑑 𝑓𝑜𝑟 𝑡ℎ𝑒 ℎ𝑎𝑛𝑑𝑜𝑣𝑒𝑟, 𝑤ℎ𝑖𝑐ℎ 𝑤𝑎𝑠 𝑜𝑐𝑐𝑢𝑝𝑖𝑒𝑑 𝑞𝑢𝑖𝑐𝑘𝑙𝑦. 𝑇ℎ𝑒 𝑐𝑜𝑛𝑠𝑒𝑟𝑣𝑎𝑡𝑖𝑣𝑒 𝑐𝑎𝑠ℎ𝑓𝑙𝑜𝑤 𝑎𝑠𝑠𝑒𝑠𝑠𝑚𝑒𝑛𝑡𝑠 𝑤𝑒𝑟𝑒 𝑟𝑒𝑠𝑝𝑒𝑐𝑡𝑒𝑑 𝑖𝑛 𝑎𝑛 𝑖𝑛𝑑𝑢𝑠𝑡𝑟𝑦 𝑙𝑖𝑡𝑡𝑒𝑟𝑒𝑑 𝑤𝑖𝑡ℎ 𝑙𝑒𝑠𝑠-𝑡ℎ𝑎𝑛-𝑒𝑡ℎ𝑖𝑐𝑎𝑙 𝑝𝑟𝑎𝑐𝑡𝑖𝑐𝑒𝑠. 𝑈𝑝𝑜𝑛 𝑐𝑜𝑚𝑝𝑙𝑒𝑡𝑖𝑜𝑛 𝑜𝑓 𝑡ℎ𝑎𝑡 𝑖𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝑝𝑟𝑜𝑝𝑒𝑟𝑡𝑦 (𝐼𝑃), 𝑎 𝑝𝑙𝑎𝑛 𝑎𝑛𝑑 𝑡𝑖𝑚𝑒𝑙𝑖𝑛𝑒 𝑤𝑒𝑟𝑒 𝑝𝑢𝑡 𝑖𝑛 𝑝𝑙𝑎𝑐𝑒 𝑓𝑜𝑟 𝑤ℎ𝑒𝑛 𝐼𝑃 𝑛𝑢𝑚𝑏𝑒𝑟 𝑡𝑤𝑜 𝑤𝑖𝑙𝑙 𝑏𝑒 𝑣𝑖𝑎𝑏𝑙𝑒.

𝐼𝑛 𝑐𝑙𝑜𝑠𝑖𝑛𝑔, 𝑡ℎ𝑒 𝑝𝑟𝑜𝑐𝑒𝑠𝑠 𝑗𝑢𝑠𝑡 𝑤𝑜𝑟𝑘𝑠, 𝑎𝑛𝑑 𝑡ℎ𝑒 𝑓𝑒𝑒-𝑓𝑜𝑟-𝑠𝑒𝑟𝑣𝑖𝑐𝑒 𝑚𝑜𝑟𝑒 𝑡ℎ𝑎𝑛 𝑝𝑎𝑦𝑠 𝑓𝑜𝑟 𝑖𝑡𝑠𝑒𝑙𝑓 𝑏𝑦 𝑡ℎ𝑒 𝑐𝑎𝑝𝑖𝑡𝑎𝑙 𝑔𝑟𝑜𝑤𝑡ℎ 𝑟𝑒𝑠𝑢𝑙𝑡𝑖𝑛𝑔 𝑓𝑟𝑜𝑚 𝑏𝑢𝑦𝑖𝑛𝑔 𝑖𝑛 𝑡ℎ𝑒 𝑟𝑖𝑔ℎ𝑡 𝑎𝑟𝑒𝑎, 𝑙𝑒𝑡 𝑎𝑙𝑜𝑛𝑒 𝑡ℎ𝑒 𝑠𝑢𝑝𝑝𝑜𝑟𝑡 𝑎𝑛𝑑 𝑒𝑑𝑢𝑐𝑎𝑡𝑖𝑜𝑛 𝑝𝑟𝑜𝑣𝑖𝑑𝑒𝑑 𝑎𝑙𝑜𝑛𝑔 𝑡ℎ𝑒 𝑤𝑎𝑦.”

Looking ahead, Mr L’s pilot career is flourishing. He is being posted to an operational unit, where he will have multiple great professional opportunities coming his way. Also, he is part of a family strategy to be a beneficiary of a Trust with his sister. His mother is the Trustee of that entity, and she is undertaking a build with Axon to contribute to the family’s financial future. So good!

Even though Mr L comes from a background that has been successful in other areas of investing, his willingness to put his hand up and seek help in an endeavour that he is not an expert in, makes all the difference.

Let us know what you think of this sensational property and his success story!