High income, high tax, limited time home. Turn roster income into compounding assets.
FIFO allowances and site-based income — when assessed by the right lender — support significantly more borrowing power. A roster-compatible process takes care of the rest.
No obligation. Roster-compatible — brief us on your days off.
70+
lenders — FIFO allowances accepted at full value
$7K–$10K
extra tax savings per property p.a. at 47% rate
100%
remote process — works around your roster
How does Liviti help FIFO workers with property investment?
Liviti helps FIFO and mining workers earning $200K–$400K+ build tax-optimised property portfolios with a roster-compatible process. Liviti knows which of our 70+ lenders accept FIFO allowances, overtime, and site-based income at full value. New-build properties save $7,000–$10,000 extra in annual tax at the 47% marginal rate.
The problem
You’re earning $200K–$400K+ but paying tax at the top marginal rate with limited time to manage investments. Your roster means you’re away for weeks at a time. FIFO allowances, overtime, and site-based income are assessed differently by every lender. Without a strategy, your high income generates high tax — and nothing else.
- ChallengeFIFO allowances excluded from income assessments — you’re assessed well below what you actually earn
- ChallengeRoster means you’re never home long enough to execute — you’ve been meaning to start for two years
- ChallengeHigh income, high tax, no strategy — every roster cycle without a property portfolio costs you thousands
- ChallengeEstablished stock vs new builds — without guidance, you’re missing $7K–$10K in annual tax savings per property
How we fix it
FIFO-specific lending
Liviti knows which of our 70+ lenders accept FIFO allowances, overtime, and site-based income at full value. More borrowing power from your actual earnings — not just your base.
Tax-optimised new builds
New-build properties generate maximum depreciation. At the 47% rate, that’s $7,000–$10,000 in extra annual tax savings per property versus established stock.
Roster-compatible process
Briefings on your days off. Documents collected digitally. Shortlists reviewed at your pace. Liviti doesn’t need you in an office — ever.
Frequently asked questions
Yes. Briefings on your days off. Documents collected digitally. Shortlists reviewed at your pace. Liviti doesn’t need you in an office.
Yes. Liviti knows which of our 70+ lenders accept FIFO allowances, overtime, and site-based income at full value for property investment lending.
Liviti structures lending to account for variable income across roster cycles. We know which lenders assess FIFO income most favourably and how to present the pattern correctly.
New-build properties generate maximum depreciation allowances. At the 47% marginal tax rate, this translates to $7,000–$10,000 more in annual tax savings per property compared to established stock.
No. The initial strategy session is complimentary. Liviti’s fees are disclosed upfront before any engagement begins.
Ready to turn roster income into real wealth?
FIFO workers earning $200K–$400K+ have a narrow window between rosters. Liviti’s process is built around it — one briefing on your days off, everything else handled while you’re on site.