Equity Mastery Assessment | Sabea Financial

Your Equity Mastery Assessment

Takes about 3 minutes. We look at your numbers and give you an honest verdict 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

We give you an honest verdict — are you in a position to start building serious wealth right now?

🔒 Your information is private and secure

Privacy & consent

Your Privacy

We'll collect information about you during this process. Please take a read of our privacy policy before proceeding.

Sabea Financial Pty Ltd Credit Representatives are appointed under BLSSA Pty Ltd Australian Credit Licence 391237.

Sabea Financial Pty Ltd ABN 86653823253 and BLSSA Pty Ltd ABN 69 117 651 760 Australian Credit Licence 391237 of Level 26, 111 Eagle Street, Brisbane, Queensland 4000 [we,us,our] we are collecting personal information about you and this may include sensitive information (such as health information).

A complete copy of our privacy policy can be found at https://lmg.broker/consumer-privacy.

The information you provide will be held by us.

You appoint us your agent (Access Seeker) to obtain your credit information from a credit reporting body on your behalf and for the purpose of assisting you with your finance application. You authorise us to disclose any credit information we obtain to prospective financiers in connection with your finance application.

We may use credit information and personal information you provide us to arrange or provide finance and other services to you and you authorise us to make any enquiries necessary to do so.

We may exchange personal information with the following types of entities, some of which may be located overseas: our employees, franchisor, related bodies corporate, contractors or service providers for the purposes of operation of our website or our business, fulfilling requests by you, and to otherwise provide products and services to you including, without limitation, web hosting providers, IT systems administrators, couriers, payment processors, data entry service providers, electronic network administrators; persons who provide finance or other products to you, or to whom an application has been made for those products; financial consultants, accountants, lawyers and advisers; any industry body, tribunal, court or otherwise in connection with any complaint regarding our services; any person where we are required by law to do so; any of our associates, related entities or contractors; your referees, such as your employer, to verify information you have provided; any person considering acquiring an interest in our business or assets; any organisation providing online verification of your identity; or any person or organisation for any authorised purpose with your express consent.

You may gain access to the personal information that we hold about you by contacting us. A copy of our privacy policy can be obtained at https://lmg.broker/consumer-privacy or by contacting us on (02) 9816 9850. Our privacy policy contains information about how you may access or seek correction of the information we hold about you, how we manage that information and our complaints process.

If you do not provide the information we may not be able to assist in arranging finance or providing other services to you.

Do we disclose your personal information to anyone outside Australia?
We may disclose personal information to our franchisor’s related bodies corporate, our related bodies corporate and third party suppliers and service providers located overseas for some of the purposes listed above. Your personal information may be stored in the cloud in an overseas country. In the event that a disclosure is made in that overseas country (which we consider unlikely), the information will not be protected by the Australian Privacy Principles. In any event, by providing your details, you consent to your information being disclosed in this manner.

Consent to give notices electronically
You consent to us sending you notices and other documents in connection with your dealings with us by email. You understand that upon giving this consent: (a) we will either make all notices and other documents available for a reasonable period of time on our website for retrieval by you or we will send you notices and other documents by e-mail; (b) if the information is displayed on our website we will promptly send you an e-mail to your nominated e-mail address notifying you that information is available for retrieval from our website; (c) we will not send paper copies of notices and other documents; (d) you must regularly check your nominated e-mail address for notices; and (e) you may withdraw your consent to the giving of notices and other documents electronically at any time.

Electronic signature consent
For the purposes of all dealings with us: I consent to the use of an electronic signature system for the execution of any documents; and I confirm I am the person named in the document where I indicate I am signing, I approve of the information communicated and I accept this method as reliable in the circumstances for communicating this type of information.

By clicking ‘I agree’ you agree to us collecting, holding, using and disclosing personal information about you in accordance with our Privacy Policy.

I have read and understood the above Privacy Collection Statement and consent to the collection, use, storage and disclosure of my personal information as described.

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Your Goal

What year do you want to be financially independent?

A realistic target for when you'd like to be self-funded — less reliant on employment, with the freedom to choose how you spend your time. Don't overthink it. We'll show you how your numbers stack up against this goal.

Target year

You can revise this with your broker later.

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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.

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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

$

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

$

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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.

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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

$

Interest rate %

Years remaining

Current lender *

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. A Sabea broker will reach out to walk you through your assessment.

✓

Good news, friend!

Based on your budget and equity position, we feel you could get immense value out of the Equity Mastery Program. You've got a huge amount of potential to grow wealth using your home. Here's a snapshot of your position:

Usable equity available—

Estimated monthly budget surplus—

What happens next

Your Sabea broker will call you within 24 business hours — usually a lot sooner — to introduce themselves, answer any questions you have about us or the program and walk you through the next steps.

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Expect a call from

—

Save the number so you don't miss the call. Your broker will have your snapshot in front of them and will tailor their advice to your specific position.

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.