R&
Ruby & Isla Patel
Patel Household · Master file ID:
a-G018 · Updated 10mo agoHigh valueRepeat contactPre-approvalJoint members
Mobile
Email
Current address
195 Cedar Ave, Hurstville NSW
2220
Assigned broker
FS USER
This is Ruby'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
$5,592,000
6 items
Total liabilities
$2,047,500
3 items
Net position
$3,544,500
Gross income (annual)
$293,500
Employment $287,000 · Other $6,500
Monthly surplus (rough)
$10,458
Income $24,458 − repay $2,820 − exp
$11,180
Income & Employment
Mining Engineer
BHP · PAYG · since
08 Aug 2021
$198,000
p.a.
Department Manager
Bunnings · PAYG · since
22 Feb 2009
$89,000
p.a.
Other income
- Bonus/Commission Generated$6,500 p.a.
Assets
Total $5,592,000
Property (1)
Subtotal $4,120,000
PPR
Owner-occupied 142 York St, Braddon
ACT 2612
$4,120,000
Owners Ruby Wilson · 50%Isla Patel · 50%
Secured by: Mortgage · NAB · $1,640,000 @ 5.638309985492379% · LVR 40%
Vehicle (1)
Subtotal $70,000
2025 Subaru Forester
· 2021
$70,000
Owners Isla Patel · 100%
Savings (1)
Subtotal $17,000
High-interest savings
ING Savings Maximiser
$17,000
Owners Ruby Wilson · 50%Isla Patel · 50%
Shares (1)
Subtotal $1,110,000
Direct equities & ETFs
CBA, BHP, CSL, VAS, NDQ
$1,110,000
Owners Ruby Wilson · 100%
Super (2)
Subtotal $275,000
Hostplus super
Mercer
$166,000
Owners Ruby Wilson · 100%
Aware Super super
Hostplus
$109,000
Owners Isla Patel · 100%
Liabilities
Total $2,047,500 · Monthly $2,820
Mortgage (1)
Subtotal $1,640,000 · Monthly $2,820
| Lender / Notes | Responsible | Balance | Limit | Rate | Monthly | Secured by |
|---|---|---|---|---|---|---|
NAB | RW · 50%IP · 50% | $1,640,000 | — | 5.638309985492379% | $2,820 | PPR |
Line of Credit (1)
Subtotal $395,000
| Lender / Notes | Responsible | Balance | Limit | Rate | Monthly | Secured by |
|---|---|---|---|---|---|---|
Macquarie Investment LOC | RW · 100% | $395,000 | $550,000 | 7.533310738764703% | — | Unsecured |
Credit Card (1)
Subtotal $12,500
| Lender / Notes | Responsible | Balance | Limit | Rate | Monthly | Secured by |
|---|---|---|---|---|---|---|
AMEX Platinum | RW · 100% | $12,500 | $60,000 | 22.99% | — | Unsecured |
Monthly expenses
Total $11,180
| Category | Description | Monthly | Annualised |
|---|---|---|---|
| Living | Groceries, utilities | $7,650 | $91,800 |
| Transport | Fuel, rego, servicing | $760 | $9,120 |
| Insurance | Home, contents, car | $1,400 | $16,800 |
| Discretionary | Dining, subs | $1,370 | $16,440 |
| Total | $11,180 | $134,160 | |
Net position by contact
Apportioned by ownership / responsibility shares.
- Ruby Wilson $2,117,000Assets $3,344,500 Liabilities $1,227,500
- Isla Patel $1,427,500Assets $2,247,500 Liabilities $820,000
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.