Hibernian Wealth Australia

08/09/2026

First Home Buyers of Hervey Bay. You can pay your home off about 14 years faster* and save more than $605,000*

Instead of spending $1.1 Million building a 4 bedroom home from one of the local project home builders, you can do something quite a bit smarter or the same amount of money.

Build one of our Primary and Secondary Dwellings instead. It will cost you about the same and the secondary dwelling will give you an extra source of income so that you can make extra repayments on your mortgage .

Depending on the vacant lot you buy , you should expect the total price of the land and the turn key build to be around 1.1 Million in The Outlook Hervey Bay

You live in the 4 bedroom house and rent out the 2 bedroom granny flat for @$550-600 per week. That's $2200 per month in additional income which you can use to make extra repayments on the mortgage. By doing so, you'll pay the property off in about 15 years and 9 months instead of 30 years and save more than 605K on the total repayments.

Just take a look at the example below where we have assumed you have spent $1.1 Million and borrowed a 90% LVR loan of $990,000 . We have assumed a 30 year P&I loan and an interest rate of 5.99% P&I ( but you can probably do a bit better and save even more, FYI) Based on those assumptions, if you were to pay $2200 per month extra towards the mortgage ( the rent from the secondary dwelling) you'd save 14 years and 3 months on the 30 year loan term and you'd save over $605,000 in total repayments

If you would like to be smarter than the average bear, get in touch

07/09/2026

Nikenbah , Queensland. Another of our fantastic dual income properties has just been completed.

06/09/2026

05/09/2026

If you are a First Home Buyer or Owner Occupier living in the Bundaberg or Hervey Bay areas, we can help you get ahead of the curve.
1. Build one of our Primary and Secondary Dwellings . Depending on the vacant lot you buy , you should expect the total price to be around 1.1 Million in Hervey Bay ( Nikenbah) and 1.2 Million in Bundaberg ( Bargara, Innes Park, Coral Cove or Eliott Heads)
2. Live in the house and rent out the granny flat .
The rent from the granny flat ($550-600 per week) will give you at least $2200 per month in additional income which you can use to make extra repayments on the mortgage.
By doing so, you'll pay the property off in about 16.5 years instead of 30 years and save more than 635K of total repayments - all entirely CGT free .
3. Don't believe us? See for yourself.... In the example we have assumed you have spent $1.2 Million and borrowed a 90% LVR loan of $1,080,000 . We have assumed a 30 year P&I loan and an interest rate of 5.99% P&I ( but you can probably do a bit better and save even more, FYI) Based on those assumptions, if you were to pay $2200 per month extra towards the mortgage ( the rent from the secondary dwelling) you'd save 13 years and 8 months on the 30 year loan term and you'd save over $635,000 in total repayments - all completely CGT free if you ever sell , because it's a Principal Place of Residence . Tell us that isn't worth doing!!!!

If you would like to be smarter than the average bear, get in touch.

01/09/2026

01/09/2026

Elliot Heads QLD. Our latest Dual Occ just landed!

If you are an investor, get two rents instead of one and get all the usual tax benefits that are now only available with NEW builds

If you are a First Home Buyer or Owner Occupier, live in the house and rent out the granny flat . The rent from the granny flat will give you more than $2200 per month which you can use to make extra repayments on the mortgage. By doing that you'll pay this property off in about 16.5 years instead of 30 years and save more than 635K of total repayments - all entirely CGT free .

Just one simple question; are you interested in getting ahead of the curve by being smarter than the average bear , or are you content being stuck on the same curve as everyone else by following the herd ?

19/08/2026

Progress !

16/08/2026

If you are an investor , two things are clear;

1. You need to purchase a NEW build
2. Your choices are a construction deal (house and land )
or an off the plan deal (apartment,unit,villa or townhouse)

House and land new builds deliver one rental income
New apartments, villas and townhouses deliver one income.
Both types of assets allow you to continue to employing negative gearing to help with holding costs.

Only one type of new build delivers two rental incomes; a primary dwelling with an attached secondary dwelling - which is exactly what we have been doing for many many years

Two rental incomes plus all the tax goodies is how you get ahead of the curve ans stay ahead of the curve.

Two rental income means much better cash flow, much better depreciation and much lower holding costs. Add in the tax goodies and it is vastly superior in every way .

04/08/2026

Just a few of the things happening in Bundaberg this week !

01/07/2026

Next stage of Hervey Bay to be released shortly ….

We will only have 10 lots allocated where a 4 bedroom house and secondary dwelling will be permitted .
Not 11. Not 12 . Just TEN .

New build means
Neg gearing eligible
CGT concession eligible
Two rental incomes from One property .

They invented the term “no brainer “ for situations like this .