💼 Build Wealth Using Equity or Super: A Smart Strategy for Women Over 40

💼 Build Wealth Using Equity or Super: A Smart Strategy for Women Over 40

July 11, 20253 min read

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

Mortgage Broker & Property Investment Strategist.
Founder of Her Property and Finance

Marie Vlahos

Mortgage Broker & Property Investment Strategist. Founder of Her Property and Finance

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