Grow Your
Wealth Without
The Confusion
Figure out how to generate the income you deserve.
Are You In Control Of Your Wealth?
Figure out how to generate the income you deserve.
Want To Earn More Money And Grow Your Wealth?
If you’re reading this, you probably have a decent job or small business of your own and an income that’s sitting just above the national average. But while you’re doing pretty well, you know you could be doing better. And you also know there are things you need to do so your money goes to the right places and starts to multiply on its own. So why aren’t you doing those things? It could be a mindset issue, a timing problem or simply the fact that you don’t know where to begin. As your personal wealth coach, this is where I come in.
What Does A Wealth Coach Do?
Most people think wealth is about money. As a wealth coach, however, I will help you expand your perspective on what is possible. We’ll help you articulate the life that you would like to live and highlight the things that have been getting in your way so that when we remove those things and replace them with habits, patterns and behaviors that will support you to live your wealthiest life, money flows from that.
My Services
Insight Session
Take the time to dive deep into your financial journey to date and the mental roadblocks which are holding you back from success.
Insight Session
Let’s talk about your goals and your mindset so we can make a plan for growing your wealth that works.
Insight Session
Want to generate more income? We’ll find out what’s holding you back before deciding how to move forward.
Financial Planning
Take care of the essentials before getting to the exciting plans which will grow your wealth for the long term.
Estate Planning
It won’t take long to make sure your family will have access to your assets if something happens to you.
Success Coaching
Work with me and let’s break down those barriers that are holding you back from really going for it.
Why Choose Nicky?
Years & Years Of Experience
I’ve been helping people take control of their wealth for thirty years.
Master Your Mindset
We all have set beliefs when it comes to wealth. We’ll work through yours to ensure they align with your vision.
Earn More!
Be even more promotable or take the leap into your own business by shifting beliefs and behavior that will potentially have you earning more.
Make The Right Decisions, Fast
Tired of wondering where to even start? Let me help you figure it out.
Take Action
With the team’s help, you’ll have assistance with keeping you on track of what’s the next action to prevent being overwhelmed on your journey to wealth.
Satisfaction Guaranteed
If you don’t think the coaching is brilliant in the first hour, I’ll refund your money, no questions asked.
Who I've Helped
Hear From Just A Handful Of My Happy Clients.
Let her guide you because it’s a wonderful experience.
- Wendy Horne
I came to see Nicky for a three hour Insight Session because I was just feeling really stuck with my money in the business like I wasn’t progressing. And out of the session, I’ve got clear goals of where to go next. I’ve got rid of some lifelong beliefs that just weren’t serving me at all . I’m really excited with the plans we’ve got in place to move forward. I will have a totally new concept of money and financially in place with my business. If you’re wondering whether the Insight Session is right for you, I would say absolutely go for it. You’re investing in moving forward. It’s definitely worth it. Don’t hesitate.
- Kimi Broadbent
Pilates Instructor
Nicky is there not to tell me what to do, But keep me in the direction I want to go in achieving my goals in my future. The return in investment is HUGE, I will be able to one day own a McDonald’s restaurant with confidence. I find that the more I’m challenged and the more I do it with Nicky, it’s just like training to run a marathon. You’ve got to keep doing it month after month, week after week to get it right. I’m comfortable with Nicky. It’s a person that I’m comfortable with that she will set me in the right direction. As our monthly coaching sessions are, things changed, and never the same. There’s always a new concern, a new issue or a new technique that I want to learn. Once you find that right coach, Why change?
- Chris Biden
McDonald's General Manager
Essential Insights
Tips and strategies to help you discover what’s possible when it comes to creating financial freedom.
Is Immediate Mortgage Relief Worth the Long-Term Cost in Australia?
The path to home ownership in Australia keeps getting tougher, forcing buyers and owners to consider flexible loan structures. These options can ease monthly repayments in the short term but come with an important caveat: you’ll pay substantially more interest over the life of the loan.
If you’re weighing up a home loan option that defers part of the debt burden to the future, here’s a straightforward look at commonly used structures offering this temporary affordability.
1. The Interest-Only Period
This structure is popular with property investors but is also available to owner-occupiers.
What It Is
For a set period—often up to five years for a home—the minimum payment covers only the interest on your loan balance. No principal (the amount originally borrowed) is paid off during this time.
The Trade-Off
Because the principal isn’t reduced, the loan balance remains unchanged throughout the interest-only period. When this ends, repayments must shift to covering both principal and interest (P&I) over the remainder of the term. The unchanged balance means P&I payments become much higher than if you’d paid down principal from the start. You also delay building equity, and total interest paid over the loan’s term will increase.
Why People Use It
Borrowers often use an interest-only period to free up cash flow temporarily—during parental leave, or while saving for a major renovation. Investors use it to maximise available funds and potentially take advantage of tax deductions on interest.
2. The Reverse Mortgage
A financial tool designed for older Australians, this is the most dramatic option for deferring repayments.
What It Is
A reverse mortgage lets homeowners aged 60+ with substantial equity borrow against their property value. No regular repayments are required while living in the home.
The Trade-Off
Interest and fees are added to the loan balance, compounding the debt over time and rapidly reducing home equity. The entire loan, including accumulated interest, is paid back only when the property is sold, you move out, or after death. Most modern reverse mortgages have a “no negative equity guarantee”—so you can’t owe more than the sale price—but this can limit the inheritance left to your estate.
Why People Use It
It enables retirees to access funds for living expenses, medical bills, or unexpected costs without needing to sell the property.
3. The 40-Year Loan Term
As the newest trend in mortgage affordability, this stretches repayment well beyond the standard 25 or 30 years.
What It Is
The loan is repaid over 40 years (480 months), instead of 30 (360 months). Spreading out principal repayments results in much smaller monthly payments.
The Trade-Off
Lower monthly repayments come at a steep price—increased total interest costs. Stretching a $600,000 mortgage from 25 to 40 years, for example, can result in paying over $150,000 more in interest. This locks in housing debt for much longer, raising concerns about managing repayments late into retirement.
Why People Use It
A 40-year term allows first-home buyers who may not meet stricter lender serviceability rules to qualify and enter the market sooner. Brokers often recommend refinancing to a shorter term once financial circumstances improve, to avoid excessive lifetime interest.
Your Path to Financial Freedom
These flexible loan structures can feel like a lifeline, offering immediate relief and helping you secure your spot on the property ladder. But treating them as a long-term solution is like putting a band-aid on a broken leg. True financial empowerment comes from having a clear, strategic plan that looks beyond tomorrow.
As your wealth coach, I’m here to help you design that plan. Together, we can explore whether these options are a strategic fit for your unique goals or if a different path would better serve your journey to financial freedom. Let's build a strategy that not only gets you into your home but ensures it remains a blessing, not a burden.
Ready to take control of your financial future? Book a call to discuss a mortgage strategy that builds lasting wealth.
The Quick Guide To Unlocking Your Wealth
Ever Wondered How Some People Seem To Have Endless Amounts Of Money?
Find out in 9 simple steps.
So, How Do You Start?
Working With A Personal Wealth Coach Is Easy
The First Chat
In 15 minutes, we’ll talk about your goals, your current status and how I can help you walk a steady path to lasting financial freedom.
The Deep Dive
We’ll talk for three hours about your entire money story and identify the first steps you need to take (don’t worry, it will go FAST!)
Ongoing Service
Regular catch ups and introductions to all the right people will put the wheels in motion so you start seeing tangible results.
Yes, You Can Live a Wealthy Life
You have a coach for your fitness, why not have one for your wealth?
Get started with a free, no-obligation chat.
General Advice Warning
All strategies and information provided on this website are general advice only which does not take into consideration any of your personal circumstances. Please arrange an appointment to seek referral to the correct professional for financial, legal, tax or credit advice before acting on any information contained in this website. Nicky Stafford operates in Infinite Wealth Partners Pty Ltd. ABN: 76 635 869 644 Nothing on this site constitutes specific financial advice
© Nicky Stafford Business & Wealth Coaching 2025.