Has your super dropped by 20%+ and term deposits earn you peanuts?

What’s you magic number? Most people thinking they will get to retirement with 500k super and that will be enough, the question is, will it? What you need to know is in this video!

Hi I’m Rick Nieuwenhoven

I’m an Accountant, Economist, Mortgage Broker, I’ve even been a financial planner.


I’m here to share with you some processes and thoughts to make your retirement successful and home loan reduction successful


The scary thing is people are heading into retirement thinking they have enough or Centrelink will save them but I hate to break it too you, they won’t.


With the economic woes that have struck, it may force us all to work longer. Peoples mortgages will take longer to pay off, super will take years to regain the losses and more issues.


Have a look at the video for yourself.

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If you would like to have a conversation on your raw numbers please enter your details below:

Fancy A Free Consultation With Rick?

The first session with you is complimentary, the good news for most people it’s not too late and a few tweaks to what you are doing will be hundreds of thousands of difference to your retirement bottom line. I only ask one thing for you, you are coachable, we are experts and you would be teaming with experts to guide you. We have specialist programs for you such as;

How does the Equity Accelerator Program work?

1. Exclusive off market 1.25% interest rate

What’s your current mortgage interest rate? Over 3%, maybe over 4%? Our Equity Accelerator Program has a 1.25% interest rate (1.61% comparison rate) and the rate can drop down to an incredibly low 0.1%… Yes, zero point one percent… Close to zero interest on your owner occupied home loan. This is an off-market deal, meaning it’s not mass marketed or available with any of the big banks.

2. Access to special tax reduction processes

With Rick’s accounting background, a core of the Equity Accelerator Program is a module on tax minimisation. It’s not uncommon for program Alumni to be paying $5000 less in tax each year. That money is then redirected into paying down your home loan to accelerate equity production.

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3. Track your net worth

Keep your finger on the pulse with real time net worth tracking. Calculating your net worth is easy. You simply add up all of assets and all of your debts and subtract your debts from your assets. It’s important to remember, however, that your net worth changes all the time. Your net worth is like a snapshot of your finances at a given point in time. Rick’s software helps you visualise in real-time.

4. Accountability partners

Do you ever feel that you should have more money in your account than you currently do? The difference between the wealthy and those struggling to save is coaching and accountability. The Accelerator Program includes accountability check-ins with Rick and his specialist staff. Everything is aimed at helping you pay off your home and live life on your own terms!

Real Estate Concept Australian Dollar

5. All your finances in one place

Rick has invested in specialist software for Equity Accelerator Program participants that helps you to keep track of all your finances in one place – your banking, your payslips, your investments, your super – all stored in the cloud. Detailed reporting helps you manage your budget and predict your wealth. It’s all right there, securely stored and accessible from your mobile!

6. Exclusive educational webinars

Do you ever feel that you should have more money in your account than you currently do? The difference between the wealthy and those struggling to save is coaching and accountability. The Accelerator Program includes accountability check-ins with Rick and his specialist staff. Everything is aimed at helping you pay off your home and live life on your own terms!

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7. VIP events

Catch up with Rick and the Equity Accelerator Program team, along with program participants and Alumni to network and learn from Australia’s equity growth elite.

8. The lifestyle plan

You’re saving more than you ever have before, your mortgage is coming down and your passive rental property investments are generating a positive cash flow. There’s no point wasting life. We’ll help you with balancing your saving, investing and lifestyle requirements so that you can get more out of life!

Meet Some Of Rick's Equity Accelerator Program Alumni

Property investing in Adelaide tips


First Time Investor

Jammaya has been using investment property tax deductions to significantly reduce her tax. Because she gets such a large tax return, Jammaya is able to pay thousands off her mortgage each year. Now, combined with the 1.25% home loan deal, Jammaya has reduced the length of her mortgage by a whopping 22 years!

Eddie & May

First Time Investors

Eddie and May pictured to the right on handover day of their investment property in Mt Barker. Their decision to invest in Adelaide property was a sound decision with their property rented out to fantastic tenants on the first open inspection! Quality tenants, strong rent in a growing area are contributing to Eddie & May’s net worth growth.

Sandrine and Eduardo

First Time Investor

Sandrine and Eduardo purchased an investment property in 2018. They’re now going through the process of accessing the special 1.25% interest rate on their owner occupier home loan! The savings each month will reduce their home loan term by more than 8 years!


First Time Investors

Leoni completing her purchase agreements for her first rental property. Lenoni secured a fantastic interest rate and her new property is optimised for maximum tax deductions, meaning Leoni can funnel thousands into paying down her mortgage per year.

This is your opportunity to change, bring forward retirement and independent living.

Frequently Asked Questions

Yes it is real and the reason you haven’t heard of it to this point is that very few brokers have access to the specialised loan. None of the big banks have it. The Taxation Office has even provided a Product Ruling which approves the Home Loan structure. It’s an incredible deal!

We service customers all over Australia via our online platform, but we have an office in Adelaide. It’s not essential, but you’re more than welcome to come in and see us!

We connect you with lenders and builders across Australia. Finance and investing is very case-specific so we match you with the right fit for your scenario.

You’ll need to have a home loan for the property you live in and either an existing investment property loan or an ability to purchase an investment property. Each situation is unique though, have a chat to one of the Team and we’ll help you work out if you qualify!

Yes! You don’t need an existing investment property to get started with the process. We’ll help you every step of the way to give you the best chance at qualifying for the 1.25% loan.

Our philosophy is that new properties offer better tax advantages but every situation is different. The bottom line is, to qualify for this special deal, you’ll need an investment property and we’ll help you work out the best option.

Get In touch

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39/422 Pulteney St, Adelaide SA 5000

(08) 8263 4009

Are you on board? We knew you would be.

* Terms & Conditions Apply

* 1.25% interest rate is only available to new loans or increases to existing loans when the minimum new borrowing amount is $150,000 and the LVR does not exceed 80% on eligible owner occupied home loan products. It’s also only available for the owner-occupied loan and to get it, you also need an investor loan where the total owner occupied debt does not exceed 35% of your total debt (owner occupier loan and investor loan/s combined). No package or other discounts will apply to the advertised rate. Split loans, land rent loans, interest only loans, loans requiring multiple security and building loans are not eligible. Offer available for a limited time only and may be withdrawn or altered at any time, available for qualifying loans applied for from 02/09/2019. Terms, conditions, fees, charges and normal lending criteria apply.


The comparison rate is calculated on a $150,000 loan with monthly repayments over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different (higher) comparison rate. Interest rates are subject to change without notice.


Valuation fees, discharge fees and other fees (such as government charges) may apply.


All loans are provided by Nieuvision Financial Planning, a trading name of Loan Guides ABN 861 235 660 67 AFSL/ Australian Credit Licence 445 229. © 2019. Interest rates are subject to change without notice.


DISCLAIMER: propertyinvestmentadelaide.net represents this product on behalf of Nieuvision Financial Planning Pty Ltd (ACN 123 566 067) and Nieuvision Property Pty Ltd (ACN 166 926 825). If you enquire about a finance product through this site, your enquiry will be directed to a Broker/Representative who will contact you to complete an information gathering document to assist the broker panel in understanding how to assist you. propertyinvestmentadelaide.net receives remuneration which is a professional service fee for finance products written as a result of propertyinvestmentadelaide.net services. Details of our remuneration are clearly outlined in your loan documents. This connection service and all information provided on this site is factual and general in nature and is not to be considered as suggestion, personal recommendation or advice about the suitability of any finance product. You may not qualify for the product and you should assume that you are unable to qualify for the product until such time as you have received Formal Approval from a bank or lender. propertyinvestmentadelaide.net is not a lender nor is it licensed to offer financial advice and invites you to investigate your rights and options before acting on the information we provide. When using the propertyinvestmentadelaide.net service please evaluate your needs, objectives and situation on products that are suitable for you. propertyinvestmentadelaide.net is an Australian registered, owned and operated service.

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Please note that Property Investment Adelaide is not a licensed Financial Adviser and independent Financial Advice should be obtained in order to determine if an investment property is suitable for your personal circumstances.

Please consider seeking independent taxation, financial, or other advice to check how this relates to your unique situation.

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