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Home Ownership Made Easy - Part Buy Part Rent


Make your first or second new home be your investment property at the same time.

We all know properties increase in value over time. Why wait till you grow equity in your first home to buy your second property when you can start immediately?

Introducing H.O.M.E packages from Empower Housing Group across Australia.

We're busy putting our packages together. Visit regularly for new properties

Home Ownership Made Easy (HOME) works like this:

  • You choose a property from our approved range that has 2 dwellings instead of 1
  • You live in either dwelling and rent out the adjoining dwelling to tenants (Owners enter into leaseback agreements for max 10-years and can be for as long as you like ie 1-year. Cancelling leaseback agreements have no penalty)
  • Choose from single level houses ie next to, behind, or in front of your tenants, townhouse living ie above or below your tenants, apartment living ie next to, above, or below your tenants
  • Your tenant pays market rent to you for as long as you like (Owners will pay for property management & leaseback etc)
  • Finding, identifying, qualifying and managing tenants are handled by professionals and no involvement from owners required
  • Empower Housing Group pays initial 2-years of leaseback expenses to owners at settlement (not exceeding $1,500)
  • Your rental dwelling is eligible for approved ATO deductions including depreciation, interest and maintenance
  • These ATO deductions can reduce your Marginal Tax Rate resulting in negative gearing
  • Owners can typically expect to receive thousands each year which can reduce loan repayments by half

If you are currently evaluating your property options, investigating a HOME property is definitely worth your consideration.

First home buyer 3br + 2br = 5br option

This is one of a number of different designs we have to choose from. We design in accordance with local council requirements, land size and dimensions etc.

Here, first home buyers can order their new 5 bedroom home as shown in the first floorplan, instruct the builder to reinstate the 2 sections of the wall, remove a door and the property is ready for tenants. It's instantly a dual occupancy property suitable for 2 families.

The dividing walls often include soundproofing and fireproofing, there's a separate power and water meter, an additional letterbox, a dividing fence and gates as required, pathways to both entrances and more.

As these homes are on single titles, owners only have to deal with one set of council and water rates.

First home buyer 3br + 1br = 4br option

This is one of a number of different designs we have to choose from. We design in accordance with local council requirements, land size and dimensions etc.

Here, first home buyers can order their new 4 bedroom home as shown in the first floorplan, instruct the builder to reinstate a section of the wall and the property is ready for tenants. It's instantly a dual occupancy property suitable for 2 families.

The dividing walls often include soundproofing and fireproofing, there's a separate power and water meter, an additional letterbox, a dividing fence and gates as required, pathways to both entrances and more.

As these homes are on single titles, owners only have to deal with one set of council and water rates.

Favourable financing options available

Unlike investment property loans that require buyers to have 10% and more of the purchase price available in cash or equity, in addition to lenders mortgage insurance, with higher interest rates, HOME properties require 5% deposits (non-genuine savings loans available), can include lenders mortgage insurance into the loans up to max 95% lvr's and have lower interest rates -- meaning you pay off your home fast. And, it can be even faster when using the annual tax savings from negative gearing and rental income from investment dwelling 2.

We can assist home buyers that can save their 5% deposit over time, home buyers that can demonstrate 6 months of rental payments, home buyers that can show a 5% deposit sitting in their account for at least 3 months. Available are loans to suit most buyer situations.

All types of home loans including construction are available from our financing arm Platinum Mortgage Management.

Rental income from investment dwelling 2

One of the primary reasons for a dual occupancy property is the rental income from investment dwelling 2. Additional weekly income can typically be around $200-250 per week for a 2 bedroom dwelling and takes into consideration your estimated negative gearing and property management fees etc.

The leaseback is guaranteed for 10 years and you're never locked in. When you no longer require the rental income from tenants, its simple, quick and free to cease tenanting investment dwelling 2.

Empower Housing Group has arrangements with property managers across Australia to find and screen your tenants. You enter into one lease agreement that lasts up to 10 years if you so choose. This gives you peace of mind that your 2nd income stream is always there to assist you.

Homes to suit all types of tenants

You choose your preferred type of tenants such as single persons, couples, small families, large families, students, Airbnb etc.

  • Short-term tenants are daily, weekly, fortnightly or monthly such as Airbnb. When considering Airbnb as tenants for your investment, you can elect to manage yourself or have your investment dwelling managed for you by companies such as Airbnb Handsfree. Design your new home to be Airbnb-ready as so many buyers are now doing. Click here for a recent article from Domain
  • Long-term tenants are generally 12-months at a time and will be provided under a guaranteed leaseback for up to 10-years if required

Homes to suit most types of buyers

We are currently packaging a range of HOME properties across Australian states from prominent builders.

  • Owner Occupiers - Select from our exclusive range of designs and layouts to suit your budget. We'll help you determine your borrowing power and assist with deposit saving strategies etc
  • Investors - This type of investment is possibly the easiest investment product on the market today due to 2 dwelling incomes & maximum negative gearing
  • Self-managed Super Funds - Sit back and enjoy many years of capital growth while receiving 2 rental incomes from an off-the-plan purchase

Homes across Australian suburbs are mostly finance-ready and up to 95% LVR financing is available to owner occupiers, 90% LVR to investors and 80% LVR to SMSF's.

We're busy putting our packages together. Visit regularly for new properties

The benefits to you as the home owner

The benefits of choosing a HOME package over a traditional home include:

  • You get a new home that includes everything you require based on your budget
  • Use the additional rental income to pay off your home loan in half the time saving hundreds of thousands in interest
  • You receive guaranteed rental income from investment dwelling 2 that can be around $200*+ per week or $10,400*+ per year no matter if the property is vacant or tenanted. Enjoy 365 days a year of tenant income!
  • You may receive negative gearing tax benefits (puts more money back in your pocket) that can be around $4,000* per year
  • First home buyers may receive their FHOG with stamp duty concessions - that can be up to $20,000* depending on the state you are located in
  • Guaranteed rent from investment dwelling 2 up to a max of 10-years (no locked-in contracts)
  • Empower Housing Group pays the initial (up-to) 2 years of leaseback expenses to you at land settlement (limit of $1,500 applies)
  • Property managers find and manage your tenants for as long as you require tenants
  • When you no longer want or require tenants in investment dwelling 2, simply terminate your lease agreement
  • You only pay one set of council rates and water rates
  • Investment dwelling 2 has separate power meters and often separate water meters. Tenants pay their own power, water and gas (if and as applicable)
  • Your low home loan interest rate is based on owner occupied and not on investment
  • You can borrow up to 95% including mortgage insurance compared to investment loans that are max 90% including mortgage insurance. Non genuine savings loans are also available however the banks do prefer to see 5% sitting in a bank account for 3 months. Each bank has different criteria

Once you have considered all the pros and cons of buying a HOME package as a combined owner occupied and investment property, and considered the investment fundamentals of the property, you’re looking at potentially -- a great long-term investment!


*Figures and statements are based on a dual occupancy home that is a 3 bedroom owner occupied home with an adjoining 2 bedroom home rented to tenants at $250 per week market rent. Income is based on $84,000 per year. Negative gearing was determined at $4,400 calculated using $84,000 annual income using only dwelling 2. Price of home used was $450,000 in a Brisbane suburb. ATO deductions used including depreciation, interest, property management fees and maintenance. Number of weeks used was 50.

Lets discuss the perfect package for you

Visit a display home today from our range of approved builders across Australia. Choose your colours, bricks, tiles, and more. We can provide advice on a range of items including finance, the FHOG in your state, expected rental income, borrowing capacity, savings plans and more!

Disclaimer: Accessing and using any information from this site is on the condition you read and agree to the following. Before making any financial commitment to any property you should seek professional advice from a qualified and registered financial advisor. While every attempt is made to keep the information accurate and current, this site should be used to locate properties of interest to carry out further investigation as to the viability and suitability of the investment property to your personal situation. Indicative returns on investment are just that ‘indicative’ being based on information provided from third parties in regard to sale price and expected rent to be obtained. They are not deemed to be the final return once all other costs e.g legal fees, stamp duty, rental fees, utilities connections and the like associated with buying a new home are added in. Using links from this site to other web sites and the like means you are accessing information from sites we have no control over, we will not be held liable for any loss incurred from the use of information from this site and outbound linked sites. Management of Empower Housing Group and Empower Housing Group WA April 2014.

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