The 3.85% Math: Why "Middle Australia" Is Currently Working Until Age 72.
The Feb 2026 rate hike didn't just hit your mortgage, it just moved your retirement date by 7 years.
If you are 45–55 with $150k in equity and $250k in Super, you are in the "Hidden Gap."
You have too much to be "poor," but not enough to be "secure."
The "Hard Truth" Reality Check
ASFA just raised the "Comfortable Retirement" bar to $730,000. We all know that is not going to be enough to retire on. At the current 3.85% cash rate, the "old way" of simply paying off your home and relying on Super is mathematically broken for Middle Australians.
The 2026 Retirement Math:
Your Super Target: approximately $1.5 - $2 million.
The Deeming Trap: New March 2026 rules mean your private savings could reduce your pension more than ever before.
The Result: Unless you pivot by age 50, you aren't retiring at 65. You’re working until 72 or older just to maintain a "modest" lifestyle.
PWF is for “Middle Australia”
Our fav people to work with:
Age 40–55: You have enough time to grow, but the clock is ticking.
$150k+ Home Equity: Your "seed capital" is already in your home.
Income Stability: You are a professional, nurse, teacher, or biz owner earning $100k+ (combined).
Turn your current debt into your profitable future!
While the rate hike hurts your monthly cash flow, it has a "silver lining": Your home equity has likely grown by 35% in the last 3 years. Most Australians let that wealth sit "dead" in their walls. At PWF, we show you how to:
Convert Equity into Deposits
Stop paying the ATO for a retirement you won’t get. Minimise tax, boost your borrowing capacity, restructure your loans.
Neutralise the 3.85%
Structure your portfolio so your tenants and the taxman cover any interest increases, while you keep the capital growth.
Bridge the retirement gap now!
One strategic property move can close the gap between a “modest” pension to a $200k annual passive income.
The numbers speak for themselves…
Using a conservative average property growth rate of 6%, you could be sitting on almost $4 million in equity within 5 years.
What’s even better, this is a passive income of over $150,000 each year!
Kerrie, QLD
“Very happy with our first investment property through PWF. Property has increased in value by $100k+ since build started.”
Don’t just take our word for it…
Bernadette & Nathan, WA
"It's turned our day jobs into side hustles. Oh, we're property investors now."
Let’s chat next steps…
The time to bridge that retirement gap is now!
Please fill out the form and one of our friendly consultants will be in contact.
