For Australians Looking To Get More Out Of Their Home Equity

How You Can Use Your Home Equity, To Potentially Cut Your Mortgage In Half!

How NGS Crypto can help you unlock an extra $500-$1000 every single week from your home and turn your mortgage from a liability, to a passive-income producing asset.

Dear Australian Homeowner,

If you’ve been looking for a way to slash years off your mortgage,

Or have been feeling like you’ll never get the mortgage-monkey off your back…

Then this will likely be the most life-changing strategy you’ve ever come across.

See most Aussies homeowners aren’t aware that the mortgage they’re slogging out year-after-year, can actually be ‘flipped’ from liability, to asset very quickly…

Unlocking their potentially untapped equity, to use as a tool to generate passive income.

Now, if you don’t understand equity or how it works, that will be explained later…

For now, let’s focus on why you would want to pay off your home sooner…

Ultimately there are both emotional and financial benefits.

Reduced financial stress, the ability to travel, spend more time with the kids or work less are all factors that would likely improve your quality of life.

But there’s also a range of financial benefits to paying off your home such as:

  1. Increasing your weekly cash flow
  2. Escaping unnecessary interest repayments (that compound year-on-year)
  3. Increased property equity
  4. A Greater ability to invest
  5. Better credit rating for future purchases

And at the end of the day, there’s the peace of mind that you own your home outright and are no longer trapped by the banks.

Ultimately, paying off your mortgage gives you greater personal and financial freedom.

But with greater costs of living, and wage growth barely keeping up with inflation, many Australians are being trapped in their mortgages years longer than they should be…

And it’s a problem that is only getting worse, according to a 2019 article by ABC News Australia:

These numbers send a hallowing message of a problem that is silently going under the radar…

Australians are finding it harder and harder to pay off their home loans. A problem that is not going away…

Rather, as interest rates rise (as they are tipped to over the coming years), this problem gets worse…

As the basic necessity of housing becomes more and more expensive, Aussies with a home loan will have to pay more to service their loans…

Potentially forcing them to extend their working careers…

Or be at risk of taking their mortgage into retirement…or having to sell.

But there is a solution for those serious enough to change this narrative.

Paying Off Your Home As Quickly As Possible & Owning Your Home Outright.

Take the first step and start earning today!

Why Your Home Will Cost You 40-80% More Than What You Pay For It

According to the Australian Bureau of Statistics (ABS), the average Australian mortgage is around $388,100.

But this figure doesn’t reflect the true cost’ of the mortgage for the homeowner…

The general rule of thumb (that many are unaware of) is that you will traditionally pay almost double the purchase price of your home to your lender, by the end of your mortgage term.

This means with an interest rate of 3.85% (the current rate offered by The Commonwealth Bank); the interest repayments will account for an additional $266,901!

Meaning the total cost for this home is actually $655,001.

That’s around $1820 a month, or $21,840 a year (for 30 years) to own the average home in Australia.

For most Australians, this is somewhere between 20-40% of their pre-tax income just to keep a roof over their head…

In laymen’s terms, that means you’ll work 3 months every year, just to pay back the banks back for your loan.

So why is this so important to understand?

And perhaps more importantly, why is it important to focus on right now?

In short – because right now, debt is cheap.

In fact, it is the cheapest it’s ever been in the history of not only Australia, but the world.

Why 2021 Is A ‘Golden Window’ To Pay Off Your Home Sooner

According the Reserve Bank Of Australia (RBA) Interest Rate in Australia averaged 4.01% from 1990 until 2021.

In this time, rates reached an all time high of 17.50 percent in January of 1990 and a record low of 0.10 percent in November of 2020.

Now, let’s also put into the picture that this is the cash rate set by the RBA…not what you will repay on your mortgage.

The banks will be glad to lend on top of this rate, which of course, comes with a premium for the ‘privilege’ of lending you the money.

(usually between 1.5-3% above the advertised RBA cash rate)

So, we’re at all-time lows for interest rates. Meaning there’s really only 1 direction interest rates can go over the next 5-10 years…

Here’s a basic look at how much the average Australian mortgage could cost, if and when rates do increase:

Interest RateTotal RepaymentsTotal InterestWeekly Repayments

That’s right, the exact same home could cost you over double to pay off if rates increased to 10%.

Which though unlikely in the short-term, is not an impossibility in the long.

Here’s the bottom line in all this:

As rates increase, so too does the amount you will need to repay in interest.

As most mortgages take 15-30 years pay off, this interest compounds over time…

Meaning the longer you take to pay off your mortgage, the more you pay.

With interest rates at record-lows, there’s never been a better time to pay off your loan.

And achieve the financial independence of outright homeownership.

Take the first step and start earning today!

So, What’s The #1 Strategy To Pay Off Your Mortgage Faster?

If you’ve looked into strategies in the past to pay off your home loan sooner, you’ve likely been suggested one or more of the following:

  • Pay weekly/fortnightly instead of monthly
  • Refinance every 4 or so years
  • Setup an offset account
  • Make extra repayments
  • Set up your mortgage with the right structure

While all these strategies have merit, more than likely, they will make small differences here and there.

They aren’t a ‘silver bullet’ solution that can make a huge difference to things…

So, what do we believe is the #1 strategy?

Using your equity to invest in high-yielding assets.

But you may be wondering – what is equity?

In short, equity is the amount of money in your home that you’ve paid off. For example, if you have a home worth $500,000 and you owe $350,000 on the property – you have $150,000 of equity in your home that you may be able to use to invest!

Now, with that said – there is also what’s called ‘usable’ equity – which is usually up to 90% of your properties value.

So to work out how much usable equity you have, take your existing home value and multiply it by 0.9: $500,000 * 0.9 = $450,000.

Then minus your existing debt (in this case $350,000) = $100,000 in usable equity!

Now, if you had an extra $500, $750 or $1000+ a week going into your mortgage, it’s effectively like making extra payments.

While it may not sound exciting, the reality is, that extra payments towards your mortgage really are the quickest path to getting it paid off quicker…

At the end of the day, it’s simple math; More money paid now = less money to be paid later on.

By refinancing your mortgage and investing it into a high-yielding asset, the goal is to create a high enough return (or yield) to not only cover your existing mortgage repayments, but generate enough funds to ‘overpay’ your required repayments.

Take the first step and start earning today!

How Can NGS Crypto Help You Pay Off Your Home Loan Faster?

If you’re reading this, chances are you haven’t heard of digital asset mining. After all, it’s a relatively new option for Australians, as it is part of an emerging industry.

Now before we explain any further how it all works, let’s just focus on what is important – the potential risks and rewards.

  • Returns range between 10-16% pa
  • Returns are paid daily, on a fixed rate of return (ie the rate of returns is locked)
  • Terms range between 3-5 years
  • You can invest without going into further debt
  • There are no on-going account-keeping fees
  • You can invest using your equity

And here’s the cherry on top – you receive 100% of your initial capital back at the end of your term.

But how much of an effect could this have on your ability to pay off your mortgage ahead of time? The following short case study will give you a pretty good idea:

Example Case Study: Bob & Lynda

Bob (46) and Lynda (44) have a home worth around $850,000, with a remaining mortgage of around $400,000.

They have another 20 years remaining on their mortgage, with a current interest rate of 2.69% (comparison rate 2.7% – based on current CommBank rates).

This gives them a monthly repayment of $1992 (or around $996 per fortnight), allowing them to be mortgage free in 20 years.

Paying Off A Loan The New Way:

Currently Bob and Lynda have around $450,000 of equity in their home – giving them around $410,000 in ‘available’ equity.

Not wanting to invest their whole amount, or take on mortgage insurance, Bob & Lynda decide that they are comfortable using $200,000 of their equity to put into an IMA (initial mining agreement) with NGS Crypto.

Remembering that their capital is 100% refunded at the end of their term, to structure this in the most effective fashion, Bob & Lynda they take out a second interest-only loan at 3.25% (comparison rate 2.91%).

  • Repayments on Home Loan: $1992.00 / month
  • Repayments on Interest only loan: $542.00 / month

After their refinance, Bob & Lydia now have $200,000 to invest, and their total repayments for both loans are $2534.00 / month.

After speaking with the team at NGS Crypto, they decide to go ahead with a 5-year package, giving them the following forecasted return:

  • 15% ROI pa (paid daily)
  • Full Term Return: $149,999.96
  • Annual Return: $29,999.92
  • Monthly Return: $2,499.99
  • Fortnightly Return: $1,153.84

With the additional income provided by the IMA, Bob and Lynda are now left with a deficit of just $35 a month on their existing loans…that’s just $9 a week that they will need to pay out-of-pocket, thanks to their IMA.

Now, while Bob & Lynda could sit back and enjoy the extra $1957 per month they are now saving on their loan, they decide to make the smart choice to continue their existing mortgage repayments.

The results?

They’re able to pay off their home loan in just 8 years, 10 months.

That’s right, they were able to hypothetically pay off their mortgage in under half the time.

Upon the completion of their IMA, Bob & Lynda are refunded 100% of their initial capital from NGS Crypto, allowing them to pay off their interest only loan, and walk away debt-free.

While these scenarios don’t take into account every factor such as taxation, capital gains or interest rate rises, it does demonstrate the incredible impact high-yielding returns can have on reducing a mortgage term – and the further effects this can have on your financial future and retirement.

Take the first step and start earning today!

Hear Directly From NGS Members Who Have Gone Before You...

Why So Many Australians Are Investigating Equity Investment With NGS Crypto.

With fixed-returns on offer up to 16% and no on-going management fees for NGS members, it’s easy to see why so many people are exploring the idea of unlocking their equity.

After all, if you’re not putting your equity to work for you, you’re likely missing out on one of the fundamental tools to building-wealth.

Potentially leaving tens-of-thousands on the table every single year.

Now, if you are considering putting your equity to work, you’re likely weighing up the various options available.

So why would you invest with NGS Crypto? Here

  1. We Generate Some Of The Best Returns In The World With packages offering 6-16% pa, we offer some of highest yield you’ll find anywhere.
  2. We Refund 100% Of Your Initial Investment At the end of your agreed term, we’ll refund you your entire initial capital investment. Think term deposit, with potentially 15x ROI.
  3. We Pay You A Fixed-Minimum Return We take the guesswork out of things. Know ahead of time, exactly what you’ll earn with our minimum fixed-rate returns.
  4. We Pay Your Interest Every Single Day Forget monthly or annual pay-outs, with NGS you can check your account balance, transact or withdraw your money – anywhere, anytime.
  5. You Don’t Take Have To Take On Debt You Can’t Repay. As your equity is refinanced into an IMA (which is paid back upon the completion of your term) you aren’t taking on the risk of borrowing money you can’t eventually pay back.

The best first-step is to sit down with an NGS Crypto team member and work out whether these sorts of strategies can work for you. Once you’re comfortable with the strategies in place, you can either organise to finance yourself, or speak to one of our trusted financial, taxation or legal partners, who can ensure you’re financing is structured in the best way possible. To find out more, or to speak with an NGS team member, simply enter your details through the form below.

Take the first step and start earning today!

NGS vs Other ‘Traditional’ Investment Vehicles

Digital Asset MiningPropertySharesCrypto investmentPrecious MetalsBondsCash
Produces Capital GrowthYesYesYesYesYesNoNo
Average Growth (over 10 years)100% +6-7%4-5%100% +1.97%NA-1.90%
Produces Yield (cashflow)YesYesSometimesNoNoYesNo
Average Yield10-16%4-6%2.5-4%NoneNone1-1.5%None
Fixed Rate Of ReturnsYesNoNoNoNoYesNo
Debt RequiredNo DebtHigh DebtNo DebtNo DebtNo DebtNo DebtNo Debt
Risk Of Market VolatilityLow-ModerateLow-ModerateModerate-HighExtremeModerateLow-ModerateLow-Moderate
Management RequiredLowModerateModerateHighLowLowLow
Associated CostsNoneHighModerateNoneNoneModerateNone
Security RiskLow-ModerateLow-ModerateLow-ModerateModerate-HighLow-ModerateLowLow
Liquidity (ie able to be easily disposed of)MinutesWeeks/MonthsDaysMinutesDaysYearsMinutes
Payment FrequencyDailyWeeklyQuarterlyNANA6-MonthlyNA
Risk LevelLow-ModerateModerateModerateHighLow-ModerateLowLow
Physical / TangibleNoYesNoNoYesNoYes
What can we offer you?

The 7 Ways NGS Crypto Protects You & Your Capital…

At the end of the day, there are likely 2 things you’re concerned about when it comes to getting started with NGS Crypto:

  1. We won’t be able to generate the returns we promise
  2. We will lose or jeopardise your super balance, decimating your retirement

And let’s be honest, it’s almost certainly the second reason that is the major concern…

At NGS Crypto, we take our client relationships, and their futures VERY seriously.

In fact it’s why we’ve structured all of our packages around 7-key policies, designed to protect our members and give them assurance that they’re in safe hands.

100% Capital Refund Policy
Upon the completion of your term, we promise to refund 100% of your initial capital – just like a term deposit.
Unprofitability Refund Policy
If for some reason, Digital Asset Mining becomes unprofitable and we are unable to maintain your current returns, we will refund 100% of your initial investment.
Fixed Return Policy
Once an agreement is signed, we promise to pay you the minimum-fixed rate of returns as stated in your contract. Meaning your returns are locked in at a fixed-rate and will not fluctuate over the course of your agreement.
Daily Payout Policy
Worried you’re not going to see your returns for 6-12 months? Not with NGS. Our payouts are calculated and paid into your account daily – where you can withdraw or transact with them at any time.
Cold Vault Storage Policy
We promise to store all digital assets, offline in cold-storage wallets. This ensures all client assets are protected from any cyber-security hacks or breaches.
No Speculation Policy
We promise not to speculate a cent of your capital to buy, sell or trade digital assets. All funds are used purely for mining facilitation, which allows us to make money based on mathematics, not hope, keeping your capital safe and secure.
Above Reproach Policy
We promise to always adhere to and operate in a way that ensures NGS is compliant, regulated and ‘above-board’ within all Australian government policy. This is done to assure all existing and future members of NGS Cryptos commitment to ethical and honest operation.

See what our other happy clients are saying

Our Happy Clients

Actual Results From Clients Who Have Invested Their Super With NGS:


How Stephen Made Over $225,000 In Just Over 3 Years With NGS…

Stephen was a fairly experienced investor when he first heard about NGS. While the idea sounded good, like other members, he wanted to put our claims to the test, initially investing around $20,000 in Mid 2018.

Upon generating fantastic results on his initial capital (approximately 96.52% ROI), he made the decision to invest approximately $150,000, around 5 months later. To date, this IMA has generated Stephen around $143,259.62 – a phenomenal 96.72% return on initial capital.

With the wind at his sails, in late 2019 he made the call to setup an IMA within his Superannuation. In less than 2 years, he’s been able to generate around a 64.47% – giving him an average return of  approximately 32.24% per year…

We’re incredibly thankful for Stephens faith in NGS, and grateful to have been part of his journey. We wish him and his family continued success, and can’t wait to see the evolving effects on his financial future and retirement.

Invested WithCash & Superannuation
Total Agreements4
First AgreementJuly 2018
Starting Amount$19,898
Total Invested$267,990.92
Currently Invested$248,092.92
Withdrawals To Date
Withdrawn11.97573752 BTC
Approx. Value$156,232.81
Current Position
Current Balance2.22919656 BTC
Current Approx. Balance$70,725.27
Overall Position
Total Rewards14.20493408 BTC
Total Gain$226,958.08
Overall Position$494,949.00
Total ROI84.69%
Shane & Eliza

How Shane & Eliza Generated over $206,000 With NGS In Just Over 3 Years…

Shane & Eliza first got involved with NGS in mid-2018, starting with a small amount of $1000. Within just 2 months, they were so impressed with the returns that they went ahead with their 2nd IMA – this time, with a larger amount of $40,000.

Over the next 6-8 months, their investment continued to grow, to date generating approximately 142.89% returns on their initial $40,000. After achieving such staggering growth, Shane & Eliza made the decision to transfer their super over – signing a 3-year (36 month) agreement, worth $150,000

Shane & Eliza have since invested a further $40,000 cash through a 4th IMA in early 2021 and are showing no signs that they’re done there. We’re incredibly thankful for Shane & Eliza’s continued support, and ecstatic that they’ve been able to substantially fast-track their financial future, goals, and retirement through Digital Asset Mining.

Invested WithCash & Superannuation
Total Agreements4
First AgreementJune 2018
Starting Amount$1000.00
Total Invested$231,000.00
Currently Invested$231,000.00
Withdrawals To Date
Withdrawn9.11365575 BTC
Approx. Value$171,804.02
Current Position
Current Balance1.08297514 BTC
Current Approx. Balance$34,359.34
Overall Position
Total Rewards10.19663089 BTC
Total Gain$206,163.36
Overall Position$437,163.36
Total ROI89.25%

How Christine Made 81.36% On Her Super In Just Over 2 Years…

After being made aware of digital assets and cryptocurrency by friends at work, Christine did have an understanding of them, however, had never been involved. After getting a call from NGS, she decided to get involved with a small $500 investment. While this ‘throwaway’ amount didn’t seem like much to Christine, in under 3 years, it has generated a staggering 181.58% ROI.

But it didn’t take Christine that long to realise that the system was working. After just 8-months as an NGS member, she was confident enough in the returns to invest a further $120,000 using her superannuation. With a total return to date of approximately $98,534.57 or around 81.77% Christine has come a long way from her $500 initial IMA.

Invested WithCash & Superannuation
Total Agreements2
First AgreementNovember 2018
Starting Amount$500.00
Total Invested$120,500.00
Currently Invested$120,500.00
Withdrawals To Date
Withdrawn2.03377396 BTC
Approx. Value$64,525.14
Current Position
Current Balance1.00050000 BTC
Current Approx. Balance$34,009.43
Overall Position
Total Rewards3.03427396 BTC
Total Gain$98,534.57
Overall Position$219,034.57
Total ROI81.77%

From $500 to over $340,000 Invested With NGS In Just Over 3 Years…

Mark started with NGS in January 2018 with just a small $500 investment. Feeling a bit hesitant about the process, returns and cryptocurrency in general, he invested an amount he felt ‘comfortable to lose’. After understanding the system, how and where his returns were paid, and seeing first-hand the results, Mark realised that he could replicate these results with a greater investment. Feeling more confident, he invested what he considered her first ‘real amount’ – investing $50,000 in cash.

After another year of consistent, high-returns, Mark began exploring the process of investing with his superannuation. After being put in touch with our trusted partners, Mark was able to set himself up with an SMSF (self-managed super fund) and invested around $118,000 of his super, over 2 IMAs (Initial Mining Agreements).

Over the last 2 years, Mark has continued investing with NGS – putting another $160,000 in cash into 3 new IMAs. From starting with a small investment of just $500, he has now invested over $340,000 across 10 agreements…the results speak for themselves.

Invested WithCash & Superannuation
Total Agreements10
First AgreementJanuary 2018
Starting Amount$500.00
Total Invested$341,499.61
Currently Invested$289,247.61
Withdrawals To Date
Withdrawn9.52792567 BTC
Approx. Value$72,214.26
Current Position
Current Balance6.64796013 BTC
Current Approx. Balance$210,918.50
Overall Position
Total Rewards16.17588580 BTC
Total Gain$283,132.76
Overall Position$572,380.37
Total ROI82.91%

From Initial $2000 to over $250,000 With NGS In Just 26 Months…

Dave first heard about NGS is early 2019, setting up an Cash IMA of $2000 to test the system. After being convinced by the results, Dave went on to invest a large portion of Super in another IMA valued at $165,000 in Mid 2019. In around 2 years, this investment has yielded around $80,000, or an approximate return of 48.64%.

After testing, and proving the NGS model, Dave has continued to invest – setting up a further 4 IMAs, worth around $90,000. We’re thrilled that Dave has been able to generate such fantastic results, and wish him all the best in his performance moving forward.

Invested WithCash & Superannuation
Total Agreements6
First AgreementFebruary 2019
Starting Amount$2000.00
Total Invested$256,671.00
Currently Invested$120,500
Withdrawals To Date
Withdrawn4.60385621 BTC
Approx. Value$86,013.54
Current Position
Current Balance0.24763962 BTC
Current Approx. Balance$7,856.81
Overall Position
Total Rewards4.85149583 BTC
Total Gain$93,870.35
Overall Position$350,541.35
Total ROI36.57%

Kylie Invests $198,000 Of Super Over 8 Months, Makes 45.39% ROI

When we first spoke to Kylie about Digital Asset Mining, NGS, and the prospect of getting involved in blockchain, she was very interested. Knowing that she needed more in retirement, Kylie quickly went on to setup her first IMA through his super, with an initial investment of around $178,000. Within the next year, she rolled another $20,000 into her 2nd IMA. In under 2 years, she’s been able to mine around 3.78720570 BTC – giving her an approximate return to date of around 45.39% (or approximately $90,000).

With his year-on-year returns generating around 22.7%, Kylie is well on her way to achieving her financial and retirement goals years faster, through NGS Digital Asset Mining.

Invested WithSuperannuation
Total Agreements2
First AgreementNovember 2019
Starting Amount$178,006.00
Total Invested$198,006.00
Currently Invested$198,006.00
Withdrawals To Date
Withdrawn2.09991390 BTC
Approx. Value$20,119.42
Current Position
Current Balance1.68729180 BTC
Current Approx. Balance$69,749.66
Overall Position
Total Rewards3.78720570 BTC
Total Gain$89,869.09
Overall Position$287,875.09
Total ROI45.39%
Tom & Diana

Tom & Diana roll $278,000 Of Super Into Mining Agreement…

Being a high earning family, Tom & Diana were looking for stability for their capital and a way to diversify their risk against their existing investment portfolio. After discussion with their NGS account representative, they came to the decision that the best way to invest would be using their superannuation. Opting to invest in a ‘Sun’ package, their initial investment was $278,000.

After setting up their account in August 2020, Tom & Diana were able to capitalise on the rise in BTC price, issuing their first withdrawal 6 months later for approximately $43,600 – a nice return on their short-lived investment.

Since then, in just under 12-months, they’ve been able to generate an approximate gain of $62,500 – giving them a fantastic 22.49% ROI on their investment in under a year.

While this was just their first IMA, we hope that Tom & Diana will continue to see fantastic returns, and we have greatly appreciated their trust in partnering with us.

Invested WithSuperannuation
Total Agreements1
First AgreementAugust 2020
Starting Amount$278,000
Total Invested$278,000
Currently Invested$278,000
Withdrawals To Date
Withdrawn1.25340375 BTC
Approx. Value$46,854.99
Current Position
Current Balance0.49347415 BTC
Current Approx. Balance$15,656.36
Overall Position
Total Rewards1.7468779 BTC
Total Gain$62,511.35
Overall Position$340,511.35
Total ROI22.49%

Michelle starts with a $1000 agreement, rolls over $180,000 Super With NGS…

Even though Michelle was introduced to NGS by a friend, she still lacked a bit of faith in the process, cryptocurrency and the promised returns. Starting with a small amount of $1000, she invested an amount she could afford to lose – not thinking much of it at the time.

Flashing forward 9-months, Michelle’s perspective had completely shifted. She was sold on NGS, she had established a great relationship with her account manager, and was confident she could replicate similar results, with a larger amount.

Over the next 18 months, Michelle would go on to setup an SMSF, and invest $180,000 of her super with NGS. Though her terms are still maturing, Michelle has been able withdraw over $53,000, and still has around half a Bitcoin in her account!

Invested WithCash & Superannuation
Total Agreements3
First AgreementSeptember 2018
Starting Amount$1000.00
Total Invested$181,000.00
Currently Invested$181,000.00
Withdrawals To Date
Withdrawn2.80826894 BTC
Approx. Value$53,309.96
Current Position
Current Balance0.49809020 BTC
Current Approx. Balance$15,802.81
Overall Position
Total Rewards3.30635914 BTC
Total Gain$69,112.77
Overall Position$250,112.77
Total ROI38.18%

Speak To Us Today About Getting More Out Of Your Home Equity

Whether you’re looking to get started, or just want to ask a few questions, we have a team of experts who can help guide you every step of the way. Here’s just some of the ways they can help you…

  • Find out how many years you could potentially save off your home loan
  • Learn how you can transform your mortgage from cashflow negative to positive
  • Find out exactly how we ‘safeguard’ your equity when you invest with NGS.
  • Get a step-by-step breakdown of Digital Asset Mining, NGS Crypto, our business model, packages, returns and features.
  • Sit down with a blockchain mining & cryptocurrency expert, who can help you better understand the Digital Asset Space.
  • Find out, to the dollar, exactly how much you can potentially earn with NGS Crypto on a daily, weekly, monthly or annual basis.
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