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Purpose: Restore borrowing power, reduce financial pressure, and position for high-quality property ownership without compromising lifestyle or long-term outcomes

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Executive Summary (Clear Recommendation)

1. Do not buy a home right now.
2. Do not rush into commercial property yet.
3. Fix the car first, stabilise cash flow, then execute a deliberate property strategy in 12–18 months.

Your household is not under-earning. You are temporarily constrained by poor balance-sheet allocation, primarily vehicle finance.

Once corrected, multiple strong property pathways open up.

Current Position Snapshot

Key inputs

• Rent: $5,125 per month
• Car repayment: ~$1,800 per month
• Balloon due mid-year: $85,000
• Available deposit: ~$150,000
• Objective: Property ownership without buying the wrong asset or over-stretching

Core issue