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The Stepladder

Our property investment strategies help you build a property portfolio quickly, from scratch. Each strategy is designed to more than double your initial investment over ten years if house prices continue to rise at the rates they have historically.


OneRoof Radio Interview with Wilhelmina Shrimpton

Martin Dunn joined the Weekend Collective on Newstalk ZB to discuss how co-ownership could change the property market.

Strategy One

The Golden Stepladder

50k Starting Investment | 9% Annual Capital Growth Assumed

Is this strategy right for you?

  • This strategy is for people who can’t buy a million-dollar Auckland house, but who believe that investing in property will help them build wealth.
  • It’s for parents who want to help get their kids set up for the future in a formalised, legal vehicle.
  • It’s for people who have realised they will never be able to achieve this through saving alone.
  • You don’t need a big lump sum of cash, or to be earning enough to qualify for a big mortgage.
  • It’s for people who might prefer to keep renting somewhere nice while they build enough capital to afford a home they actually want to live in, in a suburb they love.
  • You do need to be able to scrape together or access $50k, either from yourselves, the bank, or the bank of Mum and Dad.

How It Works


Beg/borrow $50,000 with your Mum and Dad’s support and agree to pay them back with interest over 10 years or sooner.

Let us coordinate a Co-Ownership group investment for you, buying you a share of an Auckland rental property in a high growth, up-and-coming neighbourhood.


Don’t worry about dealing with the group about the buying or management of the property - we take care of this for you.


Within 10 years, based on 9% growth per year (which is conservative given our researched historic rate of 10.2%), your $50k share should be worth $135k.


Repeat this formula as you pay down the first loan. If we can get you into four Co-Ownership investments while you “Champagne rent” where you want to live, your $50k startup portfolio should approach well over half a million dollars and a great deposit for your own home. With eight, Millionaire status!


This is the only pathway we can conceive of to create enough for you to retire on or buy yourself a home you never dared dream of. And in our growing city, we believe our logic is well proven.

How else might you ever achieve this?
Strategy Two

The Ideal Model

Borrowing Against Your Home | 9% Annual Capital Growth Assumed

A personal prosperity model for the golden years

  • This strategy is for people who own their own home but know they need to invest to secure their future.
  • It’s for people who are wondering how they will be able to afford their retirement, which we have analysed will need something like $1.2m for an Aucklander, on top of owning their home.
  • It’s for people who want to leave their kids the gift of financial security after they’re gone.
  • It’s for people who have worried about money all their lives and just want something they can understand to provide peace and security for their golden years.

How It Works


Borrow maybe $600,000 against the current value of your house (which may be worth well over $1 million) for your first (of two) investment properties.


Let us rent out the investment property for you with an income that will pay for most of the interest on your borrowing initially, and hopefully all of it as rents rise.


Based on a conservative growth rate of 9% per year (our researched historical growth rate is 10.2%) this property would be worth over $1.2m in 10 years. If you then deduct the $600,000 you borrowed, you should be $600,000 ahead and outside the Brightline Capital Gains Tax test.


But we believe you will need about $1.2 million to retire with (while retaining the family home). This would give you $100,000 spending ability for 15 years from the age of 75.


We charge a once-only buy fee on each purchase you approve of, and then standard management fees. And of course you can sell at any time.


So as soon as you are comfortable with the first investment property, we’ll buy you one more. Then you’re set.

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Risks and Considerations

Property values are tied to interest rates, how many buyers there are for your property, and how many others are also selling their properties at the same time. You may risk losing capital on your initial investment when you sell.

Buying a property can tie up your savings. If you invest most or all of your cash in property and then need access to cash, you’ll either need to sell, tenant your property or increase your mortgage. This isn’t always easy and there are usually fees involved. Your ability to sell your investment will also be dependent on the terms of your Co-Op Contract, if applicable.

Most people pay a deposit and borrow money to invest in property. Ask yourself how much debt you can afford to take on. Use your bank’s mortgage repayment calculator to find out how much you need to repay per month, and how much of your income is left to pay other household bills.

If you cannot find tenants, you will be required to cover the mortgage payments while there is no rental income. Make sure you have enough savings to cover these unexpected costs.

Your mortgage repayment will rise when interest rates go up, affecting your disposable income. A 0.5% rise in interest rate to 6% for a loan of $300,000, fixed for 30 years, would add about $110 more to your mortgage each month, or a repayment of around $1,800 per year.

If interest rates fall, and you choose to refinance a mortgage rate that has been fixed for a number of years, you might need to pay a penalty fee for breaking the terms. This may make your total loan repayment more expensive. It’s also possible to end up owing more than your property’s worth if its value drops. This is known as negative equity.

You need to think about your intentions when you first agree to buy a property. What you intended to do will determine your tax situation when you come to sell. If you buy with a firm intention to resell the property, then you will have to pay tax on any profit you make. This is separate to the brightline test. The intention to sell does not need to be the main reason for buying the property – it could be one of a number of reasons for buying.


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Contact us
Lorem ipsum dolor sit [email protected] +399/ 625 36 3695
Potsdamer Platz 9797

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Step onto the Property Ladder, from $50k investment. We’ve done the numbers and we know you’ll be interested to see what we’ve come up with.


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