Ash Hermiz - Strategic Investor Group

5% deposit vs 10% deposit vs 20% deposit: what’s the real difference?

20% deposit: no Lenders Mortgage Insurance (LMI), lower repayments.

10% deposit : Some professionals like accountants , lawyers , nurses may get a LMI waiver.

5% deposit with the Government Guarantee: get in sooner, no LMI, but a bigger loan.

Neither is wrong. It depends on your goals and what you qualify for.

Reach for a chat to see which one makes more sense to you.

Some clients are still confused about what’s available to them as a first home buyer …

The different types of grants , the schemes, the price caps , unexpected costs etc…

Here is a simple breakdown:

Stamp duty exemption: no stamp duty on homes up to $800,000, with a partial discount up to $1,000,000

Government guarantee : buy with just a 5% deposit and skip Lenders Mortgage Insurance. Purchase cap of $1.5m

First Home Owner Grant – $10,000 for new homes under the price cap

Buying for a $1,000,000?
You will need $50,000 for the 5% deposit, plus around $40,000 for stamps and allow another $4k or so for legal costs , settlement disbursements..

Happy to guide you in the right direction, please reach out

TARGET HIT! 🎯🎉 But we’re not stopping there!

You guys are absolutely amazing — we smashed our goal and now I want to raise even MORE for Sydney Children’s Hospitals Foundation 🏥❤️

Every extra dollar means more sick kids getting the care they deserve. Let’s keep going! 💪

👇 Donate here (DM ME IF LINK DOESN’T WORK)
https://city2surf26.grassrootz.com/schf/ashoor-hermiz

I’m running City2Surf 2026 alongside 80,000 other people and I couldn’t be more excited! 🏃‍♂️🎉

But more importantly, I’m raising $1,000 for Sydney Children’s Hospitals Foundation. These incredible kids fight battles every day that make a 14km run look like a walk in the park 🏥❤️

If you can donate anything at all — $50, $150 — it goes directly to helping seriously ill children and their families right here in Sydney.

Please share this with your friends and family too, every little bit helps me reach my goal! 🙏

👉 https://city2surf26.grassrootz.com/schf/ashoor-hermiz

Thank you so much

Ashoor Hermiz in 2026 Voltaren City2Surf Hi there, I am running City2Surf 2026 to try and raise $1000 for Sydney Children’s Hospitals Foundation. This will be my 10th year running and I want to make it a big one. The funds we raise will help Sydney’s world-leading paediatric hospitals and services provide extraordinary care to over 159...

A few years ago, I accidentally told a client to set up their repayments the "wrong" way — and it ended up being one of the best things that ever happened to them. 😅

Instead of doing weekly repayments the standard way (monthly × 12 ÷ 52), I told them to divide their monthly repayment by 4.

The difference is small each week — but over time it meant they were making an extra month's repayment every year without thinking about it.

The result? Thousands saved in interest and a redraw balance that kept growing.

Honest mistake. Great outcome.

Want to know what the difference looks like on your loan? Drop a comment below or flick me a message! 👇

It’s that time of the year again ….

🏃 🏃 🏃 🏙️ to 🏄 …

If you know you know. Link in bio or DM me for the link!

Your donation goes a big way for sick kids.

Any donation you make over $2 is tax deductible. GO BIG for sick kids!!

** Check with your accountant 😒..

City to Surf training has begun ….

What does a 0.25% rate rise actually cost you?

Here's the difference on your weekly repayments 👇
🔹 $400k $562 ➡️ $578 (+$16/wk)
🔹 $550k $773 ➡️ $794 (+$21/wk)
🔹 $700k $984 ➡️ $1,011 (+$27/wk)
🔹 $850k $1,194 ➡️ $1,227 (+$33/wk)
🔹 $1.1M $1,546 ➡️ $1,588 (+$43/wk)
🔹 $1.5M $2,108 ➡️ $2,166 (+$58/wk)

A quarter of a percent. Tens a week. Thousands a year. 💸

📲 DM me to run YOUR numbers.

HECS debt isn't always the villain it's made out to be.

In fact, in this case… it worked in our client's favour.

Here's what most people don't realise: every lender treats HECS differently. And that difference can be worth tens — even hundreds — of thousands of dollars in borrowing power.

For this client, choosing the right lender meant we could:
✅ Refinance 3 existing loan splits
✅ Access $118,000 MORE than the lowest lender option
✅ Release cash for future share market investment

The real win for the client?
→ One loan, one repayment — simplified finances
→ No need to wait years to pay off HECS before accessing the funds they need now
→ Capital working for them today, not sitting on the sidelines

HECS debt doesn't have to hold you back. The right lender, the right structure, and the right strategy can turn what feels like a roadblock into a launchpad.

If you've got a HECS debt and you're wondering how it's impacting your borrowing power — or whether you're with the right lender — let's have a conversation.

City to surf prep ….Where it started …. Recap video coming soon.