Pay off your home sooner. Pay less tax. Build real wealth.
You're earning well, but the mortgage still feels like a 30-year sentence and tax time still stings. A clear plan for your mortgage, your tax and your investments can change all three. Let's map out what's possible for you.
Book your free intro callStart with a relaxed 30-minute chat with James, our relationship manager. No cost, no obligation.
Working hard, but the mortgage barely moves?
Most of your repayments go to interest, not to your home. Every year you pay a big tax bill on income that could be working for you. You know you should be investing, but every extra dollar seems to disappear.
Whether you're on one income or two, it isn't about earning more. It's about having the right structure, so the money you already earn works harder, your debt shrinks faster and tax becomes something you plan for, not something that happens to you.
Three strategies that can change your financial trajectory
Pay down your mortgage sooner
Your home loan is likely your biggest expense, and the interest isn't tax deductible. Through strategies like debt recycling, you can gradually convert that "bad" debt into potentially tax-deductible investment debt.
- A clear plan to own your home sooner
- Turn non-deductible debt into potentially deductible debt
- Structured around your cash flow and comfort with risk
Debt recycling involves borrowing to invest, which magnifies both gains and losses. It isn't right for everyone, which is why we assess it properly first.
Pay less tax, painlessly
Tax shouldn't be a nasty surprise every June. With the right structures in place, you can legally reduce the tax you pay and keep more of your income working for you, all year round.
- Use super contributions and carry-forward caps
- Choose the right ownership structure for investments
- Fewer surprises, more certainty every financial year
We work alongside your accountant so your strategy and your tax return are on the same page.
Build lasting wealth
Paying less interest and less tax frees up money. The next step is putting it to work, with an investment plan that grows your wealth steadily over time.
- A long-term investment plan built around your goals
- Make your super work harder for you
- Regular reviews to keep you on track as life changes
All investments carry risk, and their value can go down as well as up.
Simple, personal, no pressure
30-minute intro call with James
A relaxed chat with James, our relationship manager, to understand where you are, what you want to achieve and whether we're the right fit.
1-hour strategy meeting with Victor
An in-depth meeting with Victor to work through your mortgage, tax and investment position and map out the opportunities in front of you. James will explain the fee before anything is booked.
Your personal plan
If it makes sense to work together, we'll build a tailored strategy and walk you through it step by step. You decide.
The people you'll work with
James Wraith
James is your first point of contact. He'll get to know you, your goals and where you are today, and make sure your time with Victor is focused on what matters most to you.
Victor Idoko, CFA®, CFP®, SSA®
Victor has been in the finance industry since 2013 and is the author and host behind Two Incomes, One Plan. His mission is simple: to help people live the life they want to live.
This is a great fit if you…
- Own your home (or are about to) and want it paid off sooner
- Are on a solid income, whether single, a couple or a family
- Feel you pay too much tax and aren't sure what you're missing
- Want to invest, but want to do it with a proper plan
- Value a long-term relationship with a qualified adviser
- Are ready to take action in the next few months
Frequently asked questions
Is the first call really free?
Yes. Your 30-minute intro call with James is free and there's no obligation. It's a chance to talk through where you are and see whether we're the right fit.
Is there a cost for the strategy meeting with Victor?
Yes. The 1-hour strategy meeting with Victor is a paid session. James will explain the fee and what's included before anything is booked, so there are no surprises.
Do I need to be in Sydney or Melbourne?
No. We work with clients remotely across Australia, so all your meetings can happen by video call.
I'm on one income. Can you still help?
Absolutely. We work with singles, couples and families. What matters is having a clear plan for the income you have.
What is debt recycling, and is it risky?
Debt recycling is a strategy where you gradually replace non-deductible home loan debt with potentially tax-deductible investment debt. It involves borrowing to invest, so it carries risk and isn't suitable for everyone. We'll only recommend it if it fits your situation.
Will you work with my accountant?
Yes. We're happy to work alongside your accountant so your strategy and your tax return line up.
What do I need to prepare for the first call?
Nothing formal. A rough idea of your income, mortgage, super and goals is plenty. James will guide the conversation.
Book your free intro call with James
Pick a time that suits you. James, our relationship manager, will give you a call, learn about your situation and, if it's a good fit, set up your 1-hour strategy meeting with Victor.
Want to know more about us first? Visit our website →
General advice warning: The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Before acting on it, you should consider its appropriateness to your circumstances and seek personal financial advice. Strategies such as debt recycling involve borrowing to invest, which can magnify losses as well as gains. Past performance is not a reliable indicator of future performance. Any tax information is general only; you should seek advice from a registered tax agent regarding your personal circumstances.
CFV Advisory is a Corporate Authorised Representative (001286043) of Spark Advisors Australia Pty Ltd ABN 34 122 486 935, AFSL 380 552. Our Financial Services Guide is available on request.
© CFV Advisory · Sydney & Melbourne · Serving clients remotely across Australia · cfvadvisory.com.au