the fastest way to buy a property, and

if you've got a mortgage, how to pay off your mortgage in record

time. Once you get to the end of this saving cycle, you're

gonna have to do something with the Bitcoin. And you've really got two options. One

is that you sell the Bitcoin, you pay the capital gains

tax owed to the government, and then you put the net

amount into the deposit. So that's option one. Option two

is that you don't sell the Bitcoin. But what would it

look like now if we put the $20,000 into Bitcoin

from day one at 29% and let's see what it would

do in four years, we'd get to $141,000. It's going to be...

I'm Matthew Fraser and this is Crypto Collective. After

making millions with Amazon and e-commerce, I realized that

if I was starting again today, crypto would be my

first choice. I'm here to help you take your first steps

and build real wealth. Ready to set yourself up for life? Let's

go. Hey guys, welcome to Crypto Collective. My name is Matthew Fraser.

In today's episode, I think it's going to be so special. It's

the fastest way to buy a property. And

if you've got a mortgage, how to pay off your mortgage in record

time using Bitcoin. This is why

I love Bitcoin. The synergy of using

it with Property which is one of Australia's favorite pastimes

buying selling acquiring now bricks and mortar in

conjunction with Bitcoin, okay What I'm

gonna do today in this episode is show you what it's like for

someone right now in the Australian market Which is how do

they buy their first property? It's very very tough because

Inflation is through the roof people have got hardly any savings. You're

also most likely paying rent That's very very high as well So

you're up against the wall right now and for most people in Australia, it

is their dream to own their own home. Just like

it was for me. Now just to tell you though, I've

been in the property space now for 25 years.

I bought my very first property when I was 21. And

growing up, buying property and investing in property was

considered the best way to go to build wealth. It's only in

the last few years that I've now made the

transition from, hey, maybe property isn't the best

tool to build wealth, it's now Bitcoin. But that said,

people still want their own home. So what I'm going to do in this

video today is walk you through step by step

comparing the numbers of if you were someone who's

renting or living at home, whatever, saving up a certain amount of money

every single week, how long is it going to take you to get to your deposit level

versus if you were to invest that same amount of

money into Bitcoin how quickly could you

expect to get the same result, okay? Okay,

guys, before I jump into it, I just wanna tell you about something, because

you can now follow along at home, and that is a compound interest

calculator. Here it is right there. I'll put a link

to it in the description note, so you can just find it straight on the

App Store. It is the best thing to

use. I live by this now. It was actually told

to me by one of my mentors a few years ago, and I was like, Why haven't I

discovered this calculator before? And as someone

famous like Albert Einstein said, compound interest

is the eighth wonder of the world. So, and once

I give you these numbers, you are going to be blown away,

okay? You won't even believe it. Let's make some assumptions here.

Let's say you're buying a property in Brisbane. The average price for

a Brisbane property right now is $935,000. Right now, just to give you an idea, I

bought my first property back in 2000, the year 2000. It was a two bedroom unit in Nundah for $100,000 exactly.

And then my wife bought her first property, which was in Hendra, for

$306,000 in about 2001. So

prices have certainly increased a lot. And

so the trick right now for most people is trying to

save up this deposit, okay? Because as I mentioned before,

the discretionary spend right now is next to nothing so

and then property prices keep increasing okay so let's

just have a look at these numbers here so we're going to pretend you're starting

with a balance of zero right this is just scratch you just thought

the idea i'm going to save up for a house So we're going to start with $1 and let's

just say that you're putting $200 away every

single week Okay, now you can adjust that number to

whatever you think you can put in and maybe I'll do it a couple different scenarios But

let's say $200 a week If you were to put that into a

conventional savings plan like with a bank right now They're offering

about 5.5% in a term deposit so you

can keep accumulating into that. So we'll say 5.5% And

we're going to have to do some reverse engineering here somewhat. But our

goal to get to this $935,000 property for

a 5% deposit plus fees, we're talking about $70,000. Again,

you can adjust that. But let's say our aim is $70,000. Well,

first of all, I can tell you, just without the

compound, you just calculate a $70,000. divide

200 a week, it's gonna take us 350 weeks. So

divide 52, so that's gonna be 6.7 years.

Let's say seven years without even any interest from the bank,

it's gonna take you to save up $70,000. Now

what's interesting is they say that in Australia, the

price of a property doubles generally between seven

and 10 years. Okay, so this $935,000 property, by the time you've got your $70,000 deposit, you might actually

find it's now $1.8 million to buy this property, and now you're going to need $140,000, right? So you are forever chasing your

tail, and this is the problem. So

let's go back to, let's just see if we put in, just

to compare, and give the savings plan

the best possible scenario with the 5.5% in the

bank. Let's see, 205, let's

say five years. So it would take five years to get to $60,000. So

there it is, okay. So at 5.5%, sitting in the bank,

you're putting $200 away every single week, it's gonna take you, six

years. So that 5.5% of the bank is

really only reducing your normal rate of savings by a year.

Because if you just stack it under your mattress, it's going to take you nearly seven years. You

put it in the bank, you've now reduced it down to six years to

get to your $70,000. Now you might think

that's great. I think that's Rubbish. Okay guys, so now

let's look at the comparison of us putting the same $200 in

every single week, but we're going to put it into Bitcoin, okay? And it's called DCA,

which is a dollar cost average. The reason why

we want to put it into Bitcoin is because Bitcoin is going to give us a

much greater return. Now your question to me is going to be,

how do I know that? Which is a great question. And

you know what, this could be completely wrong. But what we

can do is we can look back in history. What we do know is

over the past four years, Bitcoin has had an average

compounding interest of 55%. Okay, not

5.5, which is what the bank's offering, but it's been 55%. Over

the last decade, it's been over 60%. this

year alone in 2024 it's over 100% okay so

when forecasting the future we can say

well it could be 29% and the reason why I say 29% is because

Bitcoin evangelist Michael Saylor who's the biggest guy

in Bitcoin right now the smartest guy that I know in Bitcoin He's

predicting at a base case, 29%. And

he's predicting that 29% over the next 20 years, because that

is going to be the gold rush period for Bitcoin as

nation states, governments, corporations all pile in

to buy as much Bitcoin as possible. And if you're not

sure what I'm talking about, just simply jump onto Google and

type in President Trump, who's about to come in, who's planning on

bringing in a Bitcoin treasury for the federal government

of USA. So let's go 29% now. So what

we're going to do, we're going to put in our $200 in every single week. Let's

see what happens when we put in

29%. And let's start there with, let's say six

years. So that now is going to give us $167,000. So it's more

than double the

$73,000 we would get to if we left it in the bank. Let's see

what it would get to if we did 10 years. This is going to drop up to

$610,000. And what would 20 years do? 20 years of savings. I

think you want to get into your first home before then because your property is going to be really high.

But interestingly though, it would be $11.620 million. So $11.6 million

dollars okay which is incredible now we can increase we

could get this faster Because the question in the beginning

was, how long would it take to get to the $70,000? So

how long if we put it into the 29%? We did say four

years. There we go. So it's actually going to be four years to

get to $70,000 for our deposit if we

invest in Bitcoin compared to the bank. Let's just see,

though. We'll throw some other numbers in there. Some people are suggesting that Bitcoin

could, like I said, the last four years has been 55%, that the next, 20 years

could actually see an average of 50% with all of the adoption and

the race for everyone to buy Bitcoin. So let's see

what the 50% is going to do to our savings plan

using the same numbers over 6 years. So now this is

going to take up to $391,000, which is going

to be, well and truly, a great deposit. 10 years,

this is where it gets really interesting, is going to be nearly

$3 million. So I'm going to put in $3 million into that one. And

20 years, this is, of course, still putting in $200 in

every single week. And then this figure would be totally insane. It

would be $436 million. Right?

That is unbelievable. Okay. I

don't know if you're going to be worrying about deposit. You might be buying an island or

something. Hey, just quickly, if you're ready to dive deeper into crypto and

Bitcoin and build real wealth, join my free crypto

collective community. It's where I share exclusive insights and strategies

and live discussions to help you succeed. Whether you're a beginner or

scaling your portfolio, click on the link in the description and join

us today. Now back to the episode. So let's see, just

as another interest point, if I was to put in more than

$200. Okay. And let's just say that

you were really committed to buying this property. So you had a jet ski

and you had a boat that was lying around, you sold those two things. Okay. So

let's see what the numbers are going to work out at. Now we're starting with $20,000. We've

sold the boat and the jet ski and other stuff lying around the house. We're still going to

put in our $200 in every single week. And what would the bank give

us? So at the bank, we're going to have $101. That's

in six years. But how long would it take to get to our $70,000 deposit

though? Let's try some numbers. So it would actually take

four years. If you started with $20,000 deposit, $200 a

week, it would only take you four years to get to your

$70,000 deposit. Okay guys, so let's try Bitcoin. We're going to put the $20,000 into Bitcoin,

still putting our $200 in every single week. And

that is going to give us $141,000. And if we did it

at 50%, that's going to take us to $277,000. So there you can

see no matter which way you skin it, putting

it in the bank is going to be the worst option for

you because simply it's going to take you much longer to get your deposit. And

that's why utilizing Bitcoin is so powerful. So

let's just say though, once you get to the end of this saving cycle,

you're going to have to do something with the Bitcoin. And you've really got two options.

One is that you sell the Bitcoin, you pay the

capital gains tax owed to the government, and

then you put the net amount into the deposit. Okay,

so you've now converted your Bitcoin back to cash. And you give that to

the agent to buy the property. So that's option one. Option two is

that you don't sell the Bitcoin. And now you're going

to be like, what do you mean don't sell the Bitcoin? Because

right now in Australia, and in other parts around the world, you

could borrow against the Bitcoin. Now, why

is that so powerful? It's because when you don't sell

the Bitcoin, now you don't have to pay capital gains tax. And

if you borrow against the Bitcoin, that money is

now tax-free because it's a loan. And

the other interesting thing about these types of loans with Bitcoin is

that you generally don't have to show servicing to

get the loan. Now, what does that mean? When you go to borrow money from the

bank, they're going to want to see your pay slips, they want to see what you ate for breakfast, any

other loans you've got and determine that if you are eligible to

even buy this $935,000 property.

You might not be. You might actually get the deposit together but

find that your income is not enough to borrow the

$880,000 or something. And then now you're in a different position.

Now you've got to buy or find a property that's much cheaper or you

continue saving with Bitcoin to get to, and even in

this scenario here, perhaps you you come

up with after 10 years $610,000. Because what

I'm thinking now is I can actually go into this part here, right? And

then in this column and then say, okay, you started with your $20,000 positive.

What are the other options? How much will you get? So therefore, if

you can't get enough money from the bank because you don't qualify through

servicing, Bitcoin could be another alternative to get

your savings faster and of course then use

that money to buy property in the future whether you sell the Bitcoin or

you borrow against the Bitcoin. So when you're borrowing against

the Bitcoin, I mentioned before that you don't

have to show servicing like you pay slips. That's because what

these lenders do is they capitalise the interest. Now,

What that means is they're going to tack the interest component of

that loan on top of the loan. So let me talk to you in real numbers, round

figures. Let's say you've got $100,000 worth of

Bitcoin. These lenders will lend up to 50% of

the Bitcoin. So you hand your Bitcoin over to the lender, they're going to

give you $50,000 in cash. the interest on

that is about let's say 10% for the year so now you

owe the $50,000 plus $5,000 which

is 10% of the 50 now in interest so your

total debt now becomes $55,000 and then with

that debt you don't have to make any repayments and

you say well how do you mean how why how do we don't make any repayments is

because at the end of the 12 months they're going to refinance that

loan into now a new loan of $55,000 and

then another lot of interest for the year. And the advantage is that over

time your Bitcoin is also going up because you haven't sold

the Bitcoin. And your Bitcoin is going up at anywhere between

29% to 50% you're always going to have enough room to keep

borrowing more and rolling over that interest into the future. So

guys if you're thinking about this type of strategy in particular the

one I mentioned about borrowing against your Bitcoin just note

that in my online community called Crypto Collective You

can get in there for free. I've got step-by-step guides of

how to do this type of scenario. And I've also got a list

of all of the lenders that are currently out there who are all based in

Australia who will lend against Bitcoin. So it's all

there for you to tap in absolutely free. Find the link in the description. So

I've just talked about how you can fast track your way to

buying a property in Australia by utilizing Bitcoin. But

what if you've already got a mortgage? And you're thinking, I'd

love to pay that off as soon as possible. But

for most people, they're paying their mortgage over

30 years. They're most likely paying the minimum repayment required, which

then stretches it out over that time. But here's

an idea for you. Most people at the moment have a principal

and interest repayment, which means you're paying some of the money

owed plus interest every single week. The

idea is you stop paying principal and interest and

you just pay interest only. By paying interest

only, you're now reducing your repayment per week. With

the difference in repayment now, you now utilize that money and

invest it into Bitcoin. And let's have a look at the

power of investing that money into Bitcoin over the

next foreseeable future. Let's do some calculations. Again, back

onto the compound interest calculator. Okay guys, so let's say you own

a property. It's valued at $935,000 against the average. Your loan let's

say is $888,000. Okay, so the principal and interest repayment on that right now at 7% interest is $1,364 a week or interest only

is $1,195. And the difference between those two payments is $169 a week. Okay, so that's the number that

we're going to use. So in your own mind, you haven't shelled

out any more money out of what you were already forking out. Okay,

and let's see if we put this 169 now into

Bitcoin based on some of the variables, what sort of number are

we going to get to? So back to compound interest calculator and

follow along. We're going to start with $1. Let's

start with 29% for the same reasons I mentioned before about

Michael Saylor's base case. and let's see what it would look

like over 10 years okay so

let's see what kind of numbers we get to over the next

five years putting the $169,000 into Bitcoin and that's going to get us to 98 the

best part of $98,000 okay not huge but it's going to be obviously much greater amount

of savings than what you would have done if you just left it

paying off the mortgage okay because the mortgage is only charging it is 7% but

this is now at 29% let's see

now if we change the duration we're going to put the same amount of

money in over 10 years we're now up to $516,000 And

over 20 years, so between year 10 and

year 20, we're well and truly going to have enough money to

pay out the mortgage. OK, because that is the aim of the

game in this scenario. Now, let's see, though, because

we think it could possibly be a 50% compounding

interest over the next 20 years. Let's use the same numbers again. So

we're still putting in our 169 difference into Bitcoin every single

week. And after five years, it's a much larger increase,

194,000. over 10 years really starts jumping up

now at $2.5 million and 20 years

is a whopping $369 million.

Are you even going to care about your mortgage? No,

you're going to be thinking about what islands am I going to be buying, okay? That

is going to be the savings plan of your whole

family's generations. Generations and generations to

come. They will be thanking you for taking those steps.

So as you can see here guys, it is so powerful. The

power of compound interest, particularly working with

one of the scarcest, most desirable asset right now

on the planet, which is Bitcoin. let's just have a look at this scenario again

but let's use a couple of different figures one is going to be instead of putting in

169 which was the difference in your repayment let's say you've got a little bit of

extra cash as well let's see how powerful that could be so we're going to take the

169 up to $300 a week. So let's go

back to our, we've started with nothing. We're going to start with

29% average. We're going to start with 5 years and

we're putting in $300 a week into Bitcoin. That

is going to get us to $174,000 in year 5. In year 10, $916,000. and

in year 20, 17 million dollars. Okay

so you can see how we're just going to compare it to this one here 98, 516 and

9.8 million because now we've upped the amount of money we're putting in

and not even by that much right really just like a hundred and what

130 bucks a week let's see now what it's going to do if

we can get to 50% compounding interest using the same amount

of money per week of $300 In five

years, we're going to get to $344,000. In 10 years, we're going to get to basically $4.5 million. And in

20 years, it's going to give us $655 million. Absolutely insane. So just having a look at

that, $369 million, putting in $169 a week, or

$655 million, putting an extra $130 a week. right

now you can go and do your own numbers with the compound interest calculator you

can obviously increase the amount of money you're putting in per week you

could reduce the interest rate if you think it's

not going to be that high and just sort of play around with the numbers to figure out

and come up with a thesis that you think is right for

you. But guys, I really hope you've enjoyed

this episode because I love property and I love Bitcoin even

more now. And I think this is going to be so powerful for people

as they start to realise how Bitcoin can actually

help their lives. Again, if you want to find out more information, find the

link to my online community. Absolutely free. It's Crypto

Collective. Find it in the description. Look forward to seeing

you there. Thanks for joining me. Take care. Thanks for tuning in to Crypto

Collective. If you've enjoyed this episode, the best way to show your support

is to leave a five-star review on Apple Podcast or Spotify. And

make sure to subscribe to the YouTube channel so you don't miss an episode. You

can also find more of me at I'm Matthew