💼 Build Wealth Using Equity or Super: A Smart Strategy for Women Over 40
By Marie Vlahos
Mortgage Broker & Property Investment Strategist
Founder of Her Property and Finance
Your equity isn’t idle — it’s an opportunity.
For many women in midlife, building long-term wealth is less about working harder and more about working smarter.
💡 Good news:
You don’t need a huge savings account to start investing.
You just need equity, super, a solid plan, and the right support.
Let’s explore how you can turn what you already have into an income-producing property — without taking on unnecessary stress.
Why This Strategy Works
If you own a home or have superannuation, you already hold one of the most powerful tools for wealth creation.
By leveraging equity or using superannuation via an SMSF, you can:
✅ Purchase a positively geared investment property
✅ Generate monthly passive income
✅ Grow your wealth over time — without upfront cash
✅ Build a more secure retirement
“Turn super into strategy, and property into passive income.”
🏡 Strategy 1: Use Your Home Equity to Invest
Here’s a real-world scenario using a $750,000 investment property:
Rental income: $1,600/week
Monthly rental income: $6,930
Step 1: Use $190,000 equity from your home to cover the 20% deposit ($150,000) and costs ($40,000)
Step 2: Borrow $600,000 against the new property (80% loan)
Total investment loans: $790,000
Your numbers:
Monthly loan repayment: approx. $4,788
Rental income: $6,930/month
Property costs (insurance, rates, management): approx. $1,000/month
👉 Passive income: around $1,100/month
And since the loans are for investment, the interest may be tax deductible — giving you even more back each year.
💰 Strategy 2: Use Your Superannuation (SMSF) to Invest
This is how the same property could work using your super:
Use $180,000 from your super to cover the deposit and costs
Borrow $600,000 through an SMSF loan
Monthly loan repayment: approx. $4,089
Rental income: $6,930/month
After monthly costs of around $1,000:
👉 That’s $1,800 per month growing inside your super fund.
Pay off the loan in just 13 years and keep the full rental income in retirement — plus a property that could double in value.
💡 Why It’s Smart for Women Over 40
Women at this life stage are often:
Supporting children
Thinking about retirement
Rebuilding after separation
Wanting financial independence
This strategy allows you to:
✔ Build wealth passively
✔ Prepare for retirement
✔ Create income while living your life
✔ Use what you already have — without starting from scratch
“Smart women don’t wait — they leverage what they already have.”
🧠 It’s Not Just About the Numbers — It’s About Freedom
You can take control of your financial future.
You can invest without overwhelm.
You can build wealth with guidance and support — and without jargon or pressure.
As a mortgage broker and strategist at HER Property & Finance, I help women make confident decisions with clarity and ease.
Let’s explore how to turn your equity into income — and your goals into reality.
By Marie Vlahos
Mortgage Broker & Property Investment Strategist
Founder of Her Property and Finance
💻 herpropertyandfinance.com.au
📩 hello@herpropertyandfinance.com.au
📱 @herpropertyandfinance
