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Equity Mastery Program

An honest look at what your equity could do.

Three minutes. We look at your numbers and give you a straight answer on whether this strategy is right for you.

1
Your budget
We look at your income and expenses, and compare your surplus to the average Australian household.
2
Your equity position
We assess how much usable equity you have in your home or investment properties.
3
Your assessment
An honest verdict — are you in a position to start building serious wealth right now?
🔒 Your information is private and secure
Built by Sabea
Your goal

When do you want to be financially free?

A realistic year for when you'd like to be self-funded — less reliant on employment, with the freedom to choose how you spend your time.

Target year
You can revise this with your broker later.
Step 1 of 3

Your income & budget

We need to understand what comes in and what goes out each month. This tells us your monthly surplus — the key ingredient for building wealth.

What to expect: A quick question on income, then a run through your regular monthly expenses. Rough estimates are fine — be as honest as you can.
Step 1 of 3 · Income
How much money hits your bank each month?
Your total take-home pay after tax — include your regular salary plus any average bonus, commission or overtime.
💬 Be honest here
The more accurate your numbers, the better we can assess your position. There's no judgement here — overquoting won't lead to a better outcome.
💵 Total monthly take-home income  per month after tax
$
Self-employed? Use your average monthly net income after business expenses and tax. If it varies, use a conservative 3-month average.

Bonus or commission? Add the monthly average — e.g. a $12,000 annual bonus = add $1,000/month here.
Step 2 of 3

Your monthly position

Now let's look at your monthly budget and any other debts. This tells us your surplus — the cashflow available to put to work.

What to expect: Tell us your total monthly living expenses (excluding home loan repayments). If you're not sure of the total, we can walk you through each category. Either way, we'll show you how your spending compares to the average Australian household.
A note on accuracy — this isn't a bank assessment. The more accurate you are, the more reliable your result. Underquoting your expenses will only skew the numbers and you won't get the most out of this.
Step 2 of 3 · Monthly Expenses
What are your total monthly living expenses?
Best estimate is fine. Exclude home loan repayments — we'll handle those separately based on your loan details.
Your postcode
Your household
Single · no kids
Couple · no kids
Family with 1 child
Family with 2 children
Family with 3+ children
Total monthly living expenses
$
Not sure? Help me work it out →
Include: rent, groceries, dining, fuel, utilities, insurances, subscriptions, schooling, medical, entertainment, clothing, etc.
Exclude: home loan repayments, savings, investments.
Step 2 of 3 · Budget
Tell us about your household
This helps us compare your expenses to the right benchmark.
Your postcode
Household type
Single
Couple
Family · 1 child
Family · 2 children
Family · 3+ children
Budget · Food
What do you spend on food each month?
Include all supermarket shopping and dining out.
Groceries & supermarket per month
$
Dining out, takeaway & cafes (including alcohol, gifts, celebrations) per month
$
Budget · Transport
Monthly transport costs?
Fuel, registration, insurance, public transport, rideshare — all of it.
Fuel per month
$
Car insurance & registration (monthly) per month
$
Public transport & rideshare per month
$
Budget · Home Running Costs
What does running your home cost each month?
Electricity, gas, water, internet, phone, home insurance, council rates.
Electricity, gas & water per month
$
Internet & phone per month
$
Home insurance & council rates per month
$
Budget · Health & Wellbeing
Health and personal care spending?
Private health insurance, medical, dental, pharmacy, personal care.
Private health insurance per month
$
Medical, dental & pharmacy per month
$
Personal care (hair, beauty etc.) per month
$
Budget · Lifestyle
Entertainment and lifestyle costs?
Streaming, subscriptions, going out, holidays, memberships.
Streaming & subscriptions (Netflix, Spotify, etc.) per month
$
Entertainment & dining experiences per month
(dining out, alcohol, gambling, gifts, concerts, cinemas etc.)
$
Memberships per month
(gym, exercise classes, sports clubs etc.)
$
Holidays & travel (monthly average) per month
$
Budget · Kids & Pets
Kids and pets costs each month?
Only fill in what's relevant to you. Leave blank if not applicable.
Childcare / daycare / before & after school care per month
$
Private school fees & all associated education costs per month
$
Public school fees & all associated education costs per month
$
Pets — food, grooming, vet bills, insurance per month
$
Budget · Personal Spending
Personal spending each month?
Clothing, insurance and any other personal costs not covered so far.
Clothing & shoes per month
$
Income protection & life insurance per month
$
Any other personal spending not captured above per month
$
Your expense snapshot

How your spending compares

Your monthly total $0
Average Aussie household $0
Budget · Other Debts
Any debts outside your mortgage?
Credit cards, personal loans, car loans, BNPL. Be completely honest — this helps us structure the best solution for you.
Step 3 of 3

Your equity position

Equity is the hidden asset most Australians are sitting on without realising it. This is one of the most important pieces of the puzzle — it's what makes the strategy work.

What to expect: A few quick questions about your home and any investment properties. You'll need an approximate value and your current loan balance — don't worry if it's not exact.
Step 3 of 3 · Equity Position
Tell us about your home
An estimate is fine for property value — we'll verify during our assessment.
Don't own the home you live in? Tell us about your primary investment property here instead — rentvestors absolutely qualify.
Estimated current property value
$
Current loan balance owing
$
Current loan repayment (so we can show you what you'd save)
$
Current lender *
Why we don't ask your rate: our model assumes a competitive market rate (5.85–6.15%, midpoint 6.0%) over a fresh 30-year term. This shows you what your cashflow could look like restructured — the foundation of every EMP strategy.
Equity · Investment Properties
Do you own any investment properties?
Add any properties beyond your home — we'll include them in your equity snapshot.

Reviewing your budget…

This only takes a moment

Final step before your results
Your results are ready.
Tell us who we're talking to and we'll show you the fastest path to financial freedom.
Full name
Email address
Mobile number
🔒 Your details are private. By submitting, you agree to our Privacy Collection Statement. A Sabea broker will reach out to walk you through your assessment.
Your assessment

Friend, you're well-positioned to build serious wealth from here.

Based on your budget and equity position, EMP is a strong fit. Here's a snapshot of your starting point.

Usable equity
—
Restructured monthly surplus
—
Restructured at competitive market rate — 5.85–6.15%, midpoint 6.0%, fresh 30-yr term. Subject to a full assessment.
Welcome to EMP — what happens next
Four simple steps. The first three happen this week.
1
Check your inbox
A welcome email from Mitchell with your portal access.
2
Start your MyFinancials profile
About 15 minutes — makes your strategy session more useful from the first call.
3
Call from your broker
Within one business day. Save: —
4
Strategy session
Booked once your profile is complete — we'll model your real numbers.
These projections are indicative only, based on the figures you provided and EMP default growth assumptions. Subject to a full assessment by your Sabea broker. General information only — Sabea Financial is not licensed to provide personal financial advice.
Sabea Group Pty Ltd T/as Sabea Financial (ABN 86 653 823 253) — authorised Credit Representatives (539662) of BLSSA Pty Ltd Australian Credit Licence 391237. General information only — not personal financial advice.