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How we built our $4m portfolio quickly and safely

“When [my wife and I] bought our first investment property, the banks wouldn’t lend us money,” recalls Wayne. “It took several attempts to get financial approval. The banks kept on rejecting my application due to a lack of savings history. My wife had some money set aside, but we’d used that to buy a unit in her name, so we couldn’t prove savings history or have enough savings for a deposit and cost of purchase.”

How to build a portfolio from the ground up

AGE: 40 OCCUPATION: Market analysts INCOME: $120,000pa net combined PORTFOLIO VALUE: $0 LOANS: $0 EQUITY: None CASH SAVINGS: $200,000 CURRENT LIVING ARRANGEMENT: Renting for $460 per week

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