Send us a textEpisode 7 – “Leveraging Equity: First Investment Strategies with Melissa from TFS”This week, TFS CEO Pramu Rodrigo sits down with Melissa, a senior broker with two decades of experience in tax and lending, to demystify the path from owning a home to building a property portfolio. Melissa shares her professional journey, from preparing income‑tax returns for clients and advising them on tax‑efficient investment strategies, to purchasing her first home at age 21 under the guidance of a financially savvy single mother. Over the years, she has grown her portfolio by refinancing and leveraging equity experience she now channels into helping clients do the same.Listeners will hear a clear explanation of equity (the difference between a property’s value and the outstanding loan) and how a bank valuation and refinance can unlock funds for a second purchase. Melissa and Pramu discuss current market conditions moderating post‑COVID momentum but renewed activity as interest rates drift lower and the long‑term nature of real estate growth. The conversation also covers property selection: why first‑time investors should favour freestanding homes with land for capital growth, steer clear of high‑density apartments, and diversify only after establishing a solid base. Melissa’s core advice is simple: choose the right property, hold it for the long term, and use the resulting equity to systematically build wealth.The episode closes with practical guidance on balancing superannuation savings with property investing and an invitation to contact Melissa via TFS for personalised support. It’s a concise primer for anyone considering turning their home equity into a vehicle for future investments.Any information discussed or provided in this podcast is general advice and has been provided without taking account of your objectives, financial situation or needs, you should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product. Website https://www.tomorrowfs.com.au/ Facebook https://www.facebook.com/tomorrowfs.com.au?mibextid=wwXIfr&rdid=2XjnQHpmHV1wnR4r&share_url=https%3A%2F%2Fwww.facebook.com%2Fshare%2F1CeyxmzE79%2F%3Fmibextid%3DwwXIfr# Instagram https://www.instagram.com/tomorrowfs.com.au/?igsh=aWUwaDZxcWM5amF6# YouTube https://www.youtube.com/@tomorrowfs TikTok https://www.tiktok.com/@tomorrowfs?_t=ZS-8z0BOYqsW7J&_r=1

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