P&
Prabhakar & Vaijay
Iyer Household · Master file ID:
a-002 · Updated 6mo agoInvestorJoint members
Mobile
Email
Current address
48 Eucalypt Ave, Glen Waverley VIC
3150
Assigned broker
FS USER
This is Prabhakar's personal contact info — shared across every account they're on.
One source of truth: editing the mobile or email above instantly updates
every active/draft deal on every account this contact is linked to. Lodged deals keep their
snapshot.
Total assets
$3,620,000
8 items
Total liabilities
$1,512,600
4 items
Net position
$2,107,400
Gross income (annual)
$431,680
Employment $370,000 · Other $33,600 · Rent $28,080
Monthly surplus (rough)
$20,463
Income $35,973 − repay $8,020 − exp
$7,490
Income & Employment
Senior Engineer
Telstra · PAYG · since
15 Jan 2020
$198,000
p.a.
Other income
- Bonus/Commission FY24 STI$24,000 p.a.
- Dividend CBA, BHP, VAS$4,200 p.a.
Registrar
Monash Health · PAYG · since
15 Jan 2020
$172,000
p.a.
Other income
- Government Benefit Family Tax Benefit A$5,400 p.a.
Assets
Total $3,620,000
Property (2)
Subtotal $2,570,000
PPR - Glen Waverley
Owner-occupied 48 Eucalypt Ave, Glen Waverley
VIC 3150
$1,850,000
Owners Prabhakar Iyer · 50%Vaijayanthi Iyer · 50%
Secured by: Mortgage · Westpac · $980,000 @ 6.04% · LVR 53%
IP - Footscray townhouse
Investment 22 Barkly St, Footscray
VIC 3011 · Rent $540/wk
$720,000
Owners Prabhakar Iyer · 50%Vaijayanthi Iyer · 50%
Secured by: Mortgage · ING · $510,000 @ 6.29% · LVR 71%
Vehicle (2)
Subtotal $114,000
2024 Tesla Model Y
Tesla Model Y Long Range · 2024
$76,000
Owners Prabhakar Iyer · 50%Vaijayanthi Iyer · 50%
2019 Toyota Kluger
Toyota Kluger GXL · 2019
$38,000
Owners Vaijayanthi Iyer · 100%
Offset (1)
Subtotal $142,000
Joint offset (PPR)
Westpac
$142,000
Owners Prabhakar Iyer · 50%Vaijayanthi Iyer · 50%
Shares (1)
Subtotal $96,000
CommSec portfolio
CBA, BHP, VAS, NDQ
$96,000
Owners Prabhakar Iyer · 100%
Super (2)
Subtotal $698,000
AustralianSuper - Prabhakar
AustralianSuper
$412,000
Owners Prabhakar Iyer · 100%
HESTA - Vaijay
HESTA
$286,000
Owners Vaijayanthi Iyer · 100%
Liabilities
Total $1,512,600 · Monthly $8,020
Mortgage (2)
Subtotal $1,490,000 · Monthly $8,020
| Lender / Notes | Responsible | Balance | Limit | Rate | Monthly | Secured by |
|---|---|---|---|---|---|---|
Westpac | PI · 50%VI · 50% | $980,000 | — | 6.04% | $5,240 | PPR - Glen Waverley |
ING | PI · 50%VI · 50% | $510,000 | — | 6.29% | $2,780 | IP - Footscray townhouse |
Credit Card (1)
Subtotal $4,200
| Lender / Notes | Responsible | Balance | Limit | Rate | Monthly | Secured by |
|---|---|---|---|---|---|---|
AMEX | PI · 100% | $4,200 | $25,000 | 22.99% | — | Unsecured |
HECS (1)
Subtotal $18,400
| Lender / Notes | Responsible | Balance | Limit | Rate | Monthly | Secured by |
|---|---|---|---|---|---|---|
— | VI · 100% | $18,400 | — | — | — | Unsecured |
Monthly expenses
Total $7,490
| Category | Description | Monthly | Annualised |
|---|---|---|---|
| Living | Groceries, utilities, household, dependants | $3,200 | $38,400 |
| Transport | Fuel, rego, EV charging | $880 | $10,560 |
| Childcare/Education | School fees x2, after-school care | $1,450 | $17,400 |
| Insurance | Home, contents, life, vehicles | $540 | $6,480 |
| Health | Private health (family) | $320 | $3,840 |
| Discretionary | Dining, holidays sinking, subs | $1,100 | $13,200 |
| Total | $7,490 | $89,880 | |
Net position by contact
Apportioned by ownership / responsibility shares.
- Prabhakar Iyer $1,152,800Assets $1,902,000 Liabilities $749,200
- Vaijayanthi Iyer $954,600Assets $1,718,000 Liabilities $763,400
This is the canonical fact-find for the account. Each item carries ownership/responsibility per contact, so the same person can hold a 50% share here and 100% on another account without double-counting.