Phone Naveed - 027 522 5682
The 3-Step Program Helping Kiwi Professionals Build Sustainable Wealth in 10 Years—Without Sacrificing Life Today
Free Financial WOF: Discover if you can invest using your home equity (no cash needed) while maintaining your lifestyle.
2000+ WOF's completed | 10+ Years of Property Expertise | Ages 35-60
Our Promise: If after your Financial WOF we're not 100% confident investment property suits your situation, we'll tell you honestly - and you'll walk away with a clearer financial roadmap at zero cost.
As first-time investors Home Advantage really eliminated the anxiety around the whole process for us, we learnt a lot along the way and super happy we took the first step on our path to financial freedom. We look forward to future ventures with Naveed @ Home Advantage!
I thought I knew what was the right thing to do when it came to investing for my future retirement but the more i researched the more I became convinced I needed help. Naveed and the team got in touch with me and opened my eyes to what we could do. I was relieved that they said it was not too late to secure a comfortable retirement with a smart investment strategy. So we have.
Being a young family we were uncertain what the best investment route to take was. Naveed through Home Advantage helped us find our direction and what will work best for us. Through him we are almost complete with an investment build (ready for tenants in a month), with plans in place to achieve our future goals. Naveed has been professional and really helpful throughout. He took the time to understand both the financial and family / lifestyle goals we have – so we don’t need to cut out the fun things we love. Looking forward to the 1yr review and working further with Home Advantage
We have loved working with the team at Home Advantage. They listened to what our financial goals were and presented options to us that were both suitable and practical. We have always felt that the team are working for us and with us, every step of the way.
Success Story: Time-Poor Auckland Couple With 2 Young Children
$300k Home Equity
$150k Capital growth during construction
$10k Annual Passive Income
$0 Cash Deposit Used
THE RESULT That Matters Most:
Still enjoying family holidays, dinners out, and kids' activities while building a property portfolio that generates passive income. Small to zero lifestyle sacrifice required.
What Happens in Your Financial WOF
30-minute online consultation with Naveed or a Home Advantage Financial Consultant
Review your exact debt/equity and income/expenditure position
Clearly articulate and envision your future goals
See if you qualify (no pressure)
Get an honest assessment - only with 1 in 3 people qualify
Walk away with clarity on your current position, options to improve and future outcomes - all with zero obligation
START HERE: See If You Qualify for a Free Financial WOF
✓ Takes 2 minutes ✓ 100% confidential ✓ Zero obligation ✓ No credit card required
2000+ In-home financial consultations
Access to a team of top advisers and specialists
10+ Years of Property Expertise
How the Home Advantage 3-Step Programme Works
The proven process that's helped 1200+ Kiwi families build wealth
STEP 1 (First 30 Days):
Your Financial WOF
Step 2 (3-6 Months):
Secure Your First Investment
Step 3: (10 Years):
Achieve Financial Freedom
STEP 1: YOUR FINANCIAL WOF
Complete your personalized assessment with Naveed or a Home Advantage Financial Consultant
Discover your exact financial position and borrowing capacity
Review your entire financial situation
Determine if property investment is right for you
If qualified – obtain a no-obligation action plan to get you started
WHAT YOU'LL KNOW:
Exactly where you stand—no confusion, no guessing, just clarity on whether you can start building wealth through property investment.
STEP 2: SECURE YOUR FIRST INVESTMENT
We present a shortlist of 3-5 property options that fit your strategy
Full due diligence and property information reports + Cash flow and Return on Investment analysis
Navigate financing through our lending team
Access to our panel of experts (accountants, solicitors, mortgage team, etc.)
Access to exclusive off-market opportunities
Support and hands-on assistance from selection, through settlement, project completion and tenanting
WHAT YOU'LL GET:
Your first investment property secured—building equity and generating creating future growth and passive income.
STEP 3: ACHIEVE FINANCIAL FREEDOM
Portfolio grows to $21M+ through strategic expansion
Passive income replaces your salary over time
Stop relying on work or government at or prior to the retirement age
Annual reviews and ongoing support from the Home Advantage Team
Portfolio management and tenant coordination
WHAT YOU'LL ACHIEVE:
The retirement you deserve—financial independence without sacrificing the life you want to live today.
WHY START NOW IN 2025:
Easing OCR & Mortgage Rates | Property prices expected to go up in the next 12
months | Rental yields set to improve in 2026 | New build and Turnkey opportunities available
What Are Your Real Options for Building Retirement Wealth?
Most Kiwi professionals consider four paths. Here's an honest comparison of what each option actually delivers—and what it costs you in time, money, and risk.
Doing nothing (relying on NZ Super + KiwiSaver alone) means working until 65+ and retiring on roughly $45K/year—which research shows covers only a modest lifestyle.
DIY property investment requires $50K-$100K cash deposit you probably don't have saved, takes 15-20+ years of trial and error, and leaves you navigating complex decisions alone with no expert guidance.
Managed funds work well for people in their 20s and 30s, but at your age you'd need 20-25 years for slow compound growth to build meaningful wealth—and you'd still be contributing $500-$1,000/month from your current income while raising a family.
The Home Advantage 3-Step Programme solves all three problems: it uses your existing home equity so you need $0 cash deposit, it builds sound equity and capital wealth + opportunity for passive income in just 10-15 years through proven property strategies.
You get access to work directly with Naveed and our investment team every step of the way so you avoid costly mistakes while still enjoying a good lifestyle.
This is why it works for time-poor, equity-rich professionals in their 40s and 50s who want to retire early with real financial freedom.
Ready to Choose the Proven Path?
Real Families, Real Results
See how Naveed and the Home Advantage team helped Kiwi families build wealth through property investment
TIME-POOR AUCKLAND COUPLE WITH 2 YOUNG CHILDREN
"We wanted to invest but were time poor and unsure how to go about it"
THE SITUATION:
40-year-old husband, 39-year-old wife
Two young children (son 9, daughter 6)
$610K home with $310K mortgage
$60K in KiwiSaver, $5K in credit card debt
Full-time jobs but overwhelmed by the process
Goal: $90K passive income by age 55
WHAT HOME ADVANTAGE DID:
Conducted in-home Financial Health Check (also known as Financial WOF)
Created 3-Step Programme strategy with minimal disruption to their busy lives
Initiated finance application through our mortgage team - $750K borrowing capacity approved
Secured residential investment property in growth area of Christchurch
Facilitated Home & Income Project with coordinated due diligence
THE RESULTS:
$750K mortgage secured for investment property
Home & Income Project rental: $750/week
$150K capital growth during construction
Positive rental income: +$11/week
Property now valued 4-5% annual growth
Generating $10K passive income annually (over and above all expenses)
TEACHER COUPLE RECEIVES INHERITANCE AND WANTS TO SECURE FINANCIAL FUTURE
"We were unsure if this was the best use of our liquid funds"
THE SITUATION:
51-year-old husband and 46-year-old wife
Both teachers with 2 grown children
$1.2M home with $350K mortgage remaining
$60K in KiwiSaver, $15K credit card limits
Recently received inheritance
Uncertain about future financial security
Retirement goal: $100K passive income by age 65
WHAT HOME ADVANTAGE DID:
Created comprehensive financial plan through our panel of financial advisers
Reviewed their entire personal financial position and created roadmap for achieving goals
Recommended paying off home mortgage first (eliminate "bad debt")
Initiated Managed Funds portfolio with expected 6-8% returns
Leveraged their mortgage-free home to purchase 3x 3-bedroom new build properties
Secured properties in growth suburb of Christchurch (medium density format)
Updated their estate planning
THE RESULTS:
Fully paid off home mortgage using inheritance
Initiated diversified Managed Funds portfolio
Secured 3 x 3-bedroom new build properties
$250K in capital growth across property portfolio
Created positive rental income of +$10K annually
Diversified investment plan now in place
Estate planning updated and secured
On track to achieve financial goals in 10-12 years (vs. 14-15 years originally planned)
We would like to say thank you to Home Advantage and the company's team of panel advisers & specialists for all their work and assistance in helping us get started in the direction of our financial goals through their 3-step programme.
These families gained $400K+ in combined capital growth through the Home Advantage 3-Step Programme
Who Is Naveed Balouch?
Naveed Balouch - Founder & Managing Director, Home Advantage
Naveed founded Home Advantage in 2018 with a simple mission: help everyday Kiwis achieve financial independence at—or before—retirement.
With 30+ years of international business experience and a Masters in Management, Naveed brought rigorous professionalism and exceptional customer focus to New Zealand's financial advice industry.
Naveed's Track Record:
2,000+ In-Home Financial Consultations conducted personally since 2012
85%+ Success Rate - clients who've successfully started their journey to financial goals
10+ Years helping Kiwi families build wealth through property investment
No Call Centers, No Sales Teams - when you book a Financial WOF, you speak directly with Naveed or a senior consultant from his hand-picked team
Why Naveed Created the 3-Step Programme:
"I watched too many hardworking Kiwi professionals reach retirement unprepared. They had equity in their homes, good incomes, and the best intentions—but no clear plan to turn that into financial freedom.
The 3-Step Programme was born from 2,000+ consultations where I saw the same pattern: professionals with $500K-$1M in home equity, sitting on dead money, unsure how to leverage it safely.
That's why we focus on using your existing equity—not draining your savings—to build passive income that lets you retire on your terms, not the government's timeline."
Naveed's Promise to You:
✅ Honest Assessment - If property investment isn't right for your situation, Naveed will tell you honestly. We only work with 1 in 3 people we assess.
✅ Zero Pressure - Your Financial WOF is educational, not a sales pitch. Many people leave with clarity they're not ready yet—and that's perfectly fine.
✅ Personal Support - You work directly with Naveed and his core team, not a rotating cast of salespeople.
✅ Transparent Process - You'll know exactly what happens next, what it costs (nothing for the WOF), and how we're compensated (commission from lenders/developers—not you).
What Our Clients Say About Working With Naveed
Real feedback from Kiwi families we've helped build wealth
All testimonials are from real clients who worked directly with Naveed and the Home Advantage team
Why 2025 Is the Optimal Window for Property Investment
THE CURRENT OPPORTUNITY
📉 OCR dropped to 2.5% in 2025 (down from 5.5% in 2023)
🏦 Banks competing for lending = Better rates for investors
📊 Property prices stabilized = Strategic entry points
🏘️ Rental demand expected to grow = Strong cash flow potential
THE LAST TIME WE SAW THIS?
2019 - right before rates climbed to 5.5% and locked out investors.
What happened next?
Those who acted built portfolios.
Those who waited are still waiting in 2025.
WHAT MAKES US DIFFERENT
💰 No Cash Deposit Required — You can use your existing home equity
👨💼 Dedicated Personal Service— Naveed and team guide you through every decision (no call centre)
🏠 Exclusive Property Opportunities — access to off-market deals and pre-construction investments
🤝 Combined Finance, Accounting & Real Estate Expertise — all under one roof
✅ We Only Work With 1 in 3 People — we assess for fit; if property investment isn’t right for you, we’ll tell you honestly
We limit Financial WOF consultations to 10 per month to ensure quality & personalised attention - book your October slot now.
Common Questions from Professionals Like You
Got Questions? Find Answers About Investing with Home Advantage!
Do I need a cash deposit to invest in property?
No. If you own a home with $200K+ equity, you can use that equity as your "deposit" for an investment property. This is one of our specialties—helping professionals leverage their existing home equity without touching their savings. Your Financial WOF will show exactly how much equity you have available and what you can purchase.
Will this mean I have to sacrifice my lifestyle for 10+ years?
Absolutely not. Unlike traditional "scrimp and save" approaches, we structure your portfolio to be cash-flow neutral or positive from day one. The Auckland couple with two young children (in our case study above) are building their portfolio without cutting family fun or holidays. You can still enjoy dinners out,
travel, and life's pleasures while building wealth.
Am I too late to start at 45/50/55?
Not at all. The teacher couple in our case study started at ages 46 and 51—and they're now on track to achieve their financial goals in 10-12 years instead of the 14-15 they originally planned. If you have 10-15 years until retirement and own a home with equity, there's still time to build meaningful wealth. The
best time to start was 10 years ago. The second best time is today.
What if I don't qualify right now?
If your Financial WOF shows you're not ready yet, we'll give you a clear roadmap of what needs to change (pay down certain debt, increase equity, improve credit, etc.) and when to revisit. Some clients come back to us 6-12 months later after implementing our recommendations. We'd rather be honest than set you up for failure.
How much does the Financial WOF cost?
The Financial WOF is completely free and comes with zero obligation. We limit it to 10 assessments per month because each one involves significant time with Naveed and our team. There's no catch—we only make money if we help you successfully invest, so we're aligned with your success.
What happens on the Financial WOF? Will you try to sell me something?
The Financial WOF is purely educational. Naveed will assess your current position (equity, income, timeline, goals) and show you IF property investment makes sense for your situation. If it doesn't, we'll tell you honestly—we only work with about 1 in 5 people we assess. There's zero pressure. Many people leave with clarity that they're not ready yet, and that's perfectly fine.
How is this different from other property investment companies?
Three key differences:
(1) We combine finance + accounting + real estate expertise under one roof through our panel of specialists,
(2) You get a dedicated advisor (Naveed), not a call center or rotating contacts,
(3) We have access to exclusive off-market properties through our lender and developer network. Plus, we've helped 500+ Kiwi families since 2005—track record and experience matter.
Can I speak with your past clients?
While we maintain strict client confidentiality, you can read detailed testimonials from real families we've worked with throughout this page. Every testimonial you see is from an actual client who worked directly with Naveed and gave us permission to share their experience. We're also happy to provide references during your Financial WOF consultation if you'd like to speak with someone in a similar situation to yours.
Ready to Discover If You Qualify?
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Property investment carries risks. Past performance is not indicative of future results.
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