Monday 5th May 2025

Proven method to create timeless wealth through property and to replace your income in 7-15 years

96% of property investors face at least 1 of these challenges:

1. Unable to pay down home loans and investment debt
Higher property prices mean higher mortgages. Most homeowners or investors lack a plan for clearing their debt

2. Unable to get further lending once their borrowing maxes out
With lending conditions tighter and property prices much higher, it’s no longer possible for the average investor to build a large portfolio without a cash flow strategy.

3. They lack a plan to achieve a specific passive income goal
This is the biggie. Assuming you can get passed challenge 1 and 2, how do you know how much income you will have (or savings to act as income) to get through your retirement years? And hopefully leave something for the kids?

The old way doesn’t work. You may have heard it before? Buy multiple properties, hold them for 20-30 years and sell enough to clear the debt and live off rental and savings. The main issue with this is it takes 20-30 years and isn’t viable for most investors anymore. Relying on rental income alone takes too long.

What is lacking more than anything is investors having a specific plan tailored towards passive income goals.
Most investors can buy a property, or 2. But how do you turn your portfolio into consistent income? We’ve seen experienced property investors with 14+ properties that don’t have an answer to this.
And even better, how can it be done in 7-15 years?
At WolfeSmiths we educate and help investors to solve these challenges using our unique Early Retirement System.

So how does it work?

There are 5 phases in a typical client’s strategy.
1. Foundation Phase
2. Acceleration Phase
3. Income Phase
4. The Nest Egg Phase
5. The Consolidation Phase

Case Study Example

John and Lisa:

own their own home with a mortgage
Have a combined income of $180k
Have 2 kids
Have $20k in savings and $120k of useable equity
Goal: $100k passive income in 10 years and 4 total properties to pass onto their children

1. Foundation Phase:

John and Lisa buy 2 investment properties over a 3-year period which is what their incomes could support. 2 high-growth properties located in major capital cities on the east coast. Both properties are slightly neutral cash flow (after tax), so they cover their own costs and are gaining value of between 7-10% pa.

Do properties really grow at that rate?

The capital gain over the past 25 years equates to an annual growth rate of 6.8% for houses and 5.9% for unit according to CoreLogic. At 6.8% for houses that equates to approximately 10.5 years to double in value. And that is the just the average Australia-wide.

2. The Acceleration Phase:

This phase is not necessarily for everyone. Conservative investors may wish to skip straight to Phase 3. For the ambitious investors, if you are wanting to build a large property portfolio, this phase is critical. 93% of investors get stuck at 3 total properties because they do not earn enough to keep going.

John and Lisa have big goals however. They want to buy 4 investment properties over the course of their lives and be able to earn $100k passive income in just 10 years. This is where the acceleration phase comes in. At the 5-year mark, John and Lisa invest in a property development, using their equity in their portfolio. Investing in projects and flipping to get short-term profits. These returns are used to boost John and Lisa’s income and therefore, increase their borrowing capacity. After a few years of consistent returns, the banks now provide lending for more investments.

Now that their borrowing power has increased, they purchase 2 more investment properties over the next 3 years.
8 years in and they have achieved their goal of 4 investment properties.

3. The Income Phase:

John and Lisa turn their attention to their passive income goal. $100k pa. They use their cash balance (which was built up through recycling their initial Property Development returns), and additional equity from their portfolio to get enough money to invest into a Property Development so that they can earn $100k pa. Consistently! All the while, these investments continue to build their BC. But most importantly, they now have choices.

The options they now have:

1. Kick back, reduce work hours and use the additional $100kpa as income to fund their lifestyle. Allowing them to pursue their passions and the confidence to work for themselves.

2. Use those funds to pay down their debt while choosing to work. Because this is their choice even their once dreaded work now feels more fulfilling. This is also known as Phase 5 – The Consolidation Phase

3. They can use the funds to reinvest. Through purchasing additional investment properties and reinvesting the cash returns into short-term projects. Aiming for a lavish retirement further down the track.

4. The Nest Egg Phase

Though this is numerically Phase 4, it started much earlier in the piece. At year 2, John and Lisa realised that their Superannuation was not performing as they liked. Lack of control, transparency, even their own understanding meant their Super was neglected. It was returning modest returns. Which is ok but meant that it was never going to be enough for them to achieve their retirement goals. What John and Lisa did was set up an SMSF with the help of an accountant, and invested into short-term projects just like they did with their equity and cash. This is called the Nest Egg Phase because you can’t reap the benefits of Super until retirement years. But the reason they started young, is with potential higher returns their nest egg could be huge once it came time to retire. Meaning they would get a financial windfall later in life aside from their property wealth.

5. The Consolidation Phase

As mention above, this phase is about paying down debt to consolidate your position. Once John and Lisa have built their empire, they can consolidate in a couple of different ways. By either selling assets, continuing with short-term projects or possibly using some Super in retirement, they can clear big chunks of debt to ensure they have a rock-solid financial backing and to leave a legacy for future generations.

The Standard Approach

The standard approach doesn’t work. You’ve heard it before. Buy 5-10 properties in 10 years, hold them for 20, sell half, clear your debt, and live off the rental income. There is one major flaw in this strategy. With today’s property prices and lending challenges, how can anyone buy that many properties?

Strategies (Button)

How We Are Different

Our core strategies can help you to:
• Build a strong property portfolio
• Get potentially high capital returns in shorter timeframes
• Boost your borrowing power to continue to grow your portfolio without hitting your “lending ceiling”
• Assist in paying down your mortgage and other debts much quicker
• Turn your capital or equity into significant, liveable, passive income
• Take control and boost your Super via an SMSF and secure your future

Buy-and-Hold (Button) Property Development (Button) Superannuation(Button)

1. Buy-and-hold: We target investments for maximum capital growth potential in, what we have determined to be, some of the strongest markets in Australia. Buying in the right market does the vast majority of the heavy lifting. Our strategy will capitalise on the growth of these properties to help create the capital you need to create the passive income you want.

2. Property Development: We help and our clients to take part in property development opportunities. These projects offer high, potential returns in relatively short time frames. These investments can be used to boost your property portfolio, pay down debt, boost your Superannuation or provide you with the passive income you need to be financially free.

3. Superannuation: We can offer out-of-the box strategies to help grow your retirement funds much quicker and in a manner where you have more understanding of what your Super is really invested in. Take control of your Super via an SMSF and get potentially higher returns.

The result: Multiple income streams to support you for an exciting retirement.

Us Mission Strategies Services

Mission
Money and Time – The two key ingredients to be financially free.
At WolfeSmiths we are advocates for property investment but really, we just want to live our best lives and help others do the same.
Think about this for a minute – What things are you sacrificing that you would not if you had all the money you needed?
Most people are sacrificing far too much. And we want to change that!
Too often we see friends, family and even ourselves make unwanted sacrifices due to money or time. People can’t go to that wedding, or go to their kids’ school camp, or people stay in a job they hate for the money, or work long hours so that hopefully they can enjoy life one day. Sound like you or anyone you know? Why do so many accept it?
We have been conditioned that life is tough, and that is the way it is. But if we keep going the way we are, with Super and the Pension never going to be enough, life is going to be tough for most of the Australian population. Can you imagine living on $413.10 a week? Or $21,481 a year? That is the maximum pension amount paid to an individual in 2019.
We want to move away from the “survive” mentality.
With the rise of the internet, investment companies and a fresh perspective, people are waking up to the fact that that story sucks. Why can’t we be financially free before 50? 40? What about before 30? It’s all been done before and people are now looking for these opportunities. We aim to provide those opportunities to our staff and clients.
For as little as the cost of a carwash per week you could own an investment property or portfolio. There are far better investments that you could be making with you Superannuation. You could be paying far too much in interest rates on your debt. Paying way too much in tax. There is always a better way and why not plan for the life you want to live!?

A life with no financial restrictions and control of your time!
That is what we are doing anyway, and we are here to help those who want to join The Pack!

Why not!?

But with all these property companies and advisors, how do you know who to trust?

Values
Push Boundaries
Grow people
Do the right thing
Have fun
Be kind
Be generous
Be real
Us
The Founders, Daniel and Nick, both have their own stories. Nick comes from humble beginnings, growing up in a small town in New Zealand (don’t hold that against him). He was a sparky who decided that there must be a better way to live than work hard for money in something he didn’t love. Daniel came from a relatively strong financial upbringing but saw it all come crashing down. And he saw first-hand what the lack of a back-up plan did to his family.
They created WolfeSmiths, firstly to help them achieve their own goals and live life on their terms. Then to help others do the same. Our clients will always be very important to us but we have built a culture that our team (staff) must be the top priority for the business. The team will look after our clients and the bottom line will look after itself.
Daniel and Nick have been in the Property Investment Industry for over 14 years combined and have been groomed by some of the best investor minds and mentors in the industry. Now we will leave our own mark on the world and help people the way we think is best. Right now, exclusively through different property investment strategies. WolfeSmiths aims to be on the cutting edge of property investment and will add unique and lucrative new strategies as we continue to grow.
Watch this space!

More on Daniel
• Started in the property investment industry in 2013 at the age of 19.
• Had a telco sales career cut short for swearing when he he shouldn’t have
• Has been groomed by an industry leading property expert and entrepreneur for over 5 years
• Started his own digital marketing business in the Philippines which now runs autonomously
• Co-Founder and Co-Director of WolfeSmiths
• Enjoys CrossFit, playing the saxophone, and has a way of making any situation fun and enjoyable. Even investing.
More on Nick
• Started in the property investment industry in 2013 at the age of 24.
• Was previously a qualified electrician, trained in NZ
• Has been groomed by 2 of the industry’s leading property experts and was General Manager for one of his mentors for over 2 years. Leading 60 staff and in charge of 3 offices in Perth, Melbourne and Sydney
• Co-Founder and Co-Director of WolfeSmiths
• Enjoys playing touch rugby and basketball, being a dad, and has a knack for making the complicated interesting and easy to understand

How we came up with our name
It came to us easy enough. Daniel’s surname is Wolfe, and Nick’s is Smith. It started as a joke but then we found other meanings within the name that aligned perfectly with our personal beliefs and mission.
Firstly, we thought about how the name sounded and could be received. Initially the name “WolfeSmiths” seemed like a bad idea. A wolf isn’t necessarily the type of creature you want associated with an investment firm. But as we looked through the news feeds of social media something stood out to us. Most property companies have the same property and marketing strategies, and they all seem very similar in appearance. Clean cut, accountant types that preach the same stuff (no offence to accountants). When it comes to picking the right company how do you know who to trust? We think that what the industry is really missing is raw and real people showing the way. So, we have gone with the wolf as a symbol of going against the grain and standing out from the rest.
Secondly there was a hidden meaning when we put our two names together (yes we know wolf is spelt without an e but we are running with the wolf theme now). We have worked for some unbelievable mentors who have taught us almost everything we know. And this has given us the inspiration to really focus on our staff! To create absolute weapons (or wolves) who love what they do because it is helping them to achieve their own missions. If a blacksmith works with metals and a goldsmith creates gold pieces then what do WolfeSmiths create?
We create Wolves! We aim to provide the best learning, earning and business opportunities to our Pack and then do the same for our clients. That is how true company culture is created and clients reap the benefits.
Real. Raw. Different.

Our Strategies
Our strategies can be used to:
• Grow Super in a safe and transparent way
• Build a strong property portfolio
• Get potentially high capital returns in shorter time frames
• Boost borrowing power to continue to grow property portfolios without maxing out on borrowing
• Assist in paying down mortgages and other debts much quicker
• Turn capital or equity into significant passive income
• Take control and boost Super via an SMSF

1. Superannuation: Our network can offer out-of-the box strategies to help grow your retirement funds much quicker and in a manner where you have more understanding of what your Super is really invested in. We introduce you to the relevenent, independent professionals required to make it happen.

2. Buy-and-Hold: We target investments for maximum capital growth potential in, some of the strongest markets in Australia. Buying in the right market does the vast majority of the heavy lifting. We can teach you our strategy and support you through the entire process.

3. Property Development: We invest in various property development opportunities. These projects offer high, potential returns in relatively short time frames. These investments can be used to boost property portfolios, pay down debt, boost Superannuation balances or provide passive income for financial freedom.

The result: Multiple income streams to support an exciting retirement.

Services

How we can help:

• Property Education
• Property Research
• Property Development Opportunities
• Finance and Mortgage Broking
• Financial Planning and Insurances
• Superannuation Advice
• SMSF Investment Opportunities
• Accounting
• Builders and Developers
• Quantity Surveyors
• Property Managers
• Conveyancers and Solicitors

How it works

1. Discovery session: We get to know you, your situation and your goals. Then explain how our network may be able to help and teach you how that could work. Together, we work out if we may be a good fit.
2. Research and planning: We go to work. Engaging professionals within our network to devise the next best step for you in your investment journey.
3. Implementation: We assist you to implement the strategy and engage the relevant professionals to get you started
4. Support: We help you until your goals are achieved. Checking in regularly to stay accountable throughout the journey

How you too can Get Started with an Expert Mortgage Broker?

Step 1: Select your property buyer situation below
Step 2: After answering a few questions we will partner you with an expert mortgage broker most suited to your needs