Real Estate

Australia’s prestige property markets are revealing a surprising opportunity for strategic buyers – not inside the elite strongholds, but just beyond their borders. Ray White Chief Economist Nerida Conisbee’s latest analysis introduces the concept of “fortress suburbs” – coveted enclaves like Mosman and Toorak that resist the usual spillover effect seen in property markets. These…

Key takeaways Homeownership peaked in 1966 at 73%, but has since slipped to 63% by the 2021 Census. While the national drop looks modest, the generational breakdown tells a far sharper story. With ownership declining, demand for rental accommodation will only rise. Property investors aren’t the villains—they’re filling a gap government can’t afford to cover….

When it’s time to start looking for your next property purchase, you’ll come across a lot of jargon you might not have heard before. Saving for a deposit or house hunting is time-consuming enough, so when it comes to deciphering some of the real estate market code and industry lingo you could probably do with…

Key takeaways 72% of Australians believe people are less interested in knowing their neighbours than 20 years ago. 62% admit to living next to someone for over 6 months without ever meeting them. Those in regional, rural, or remote areas are more likely to know all their neighbours’ names (32%) compared to city dwellers (24%)….

The process of human change begins within us. We all have tremendous potential. We all desire good results from our efforts. Most of us are willing to work hard and pay the price that success and happiness demand. Each of us has the ability to put our unique human potential into action and to acquire the…

Key takeaways Homes near Sydney’s Metro stations carry a substantial premium, but growth has generally lagged over both the past 12 and 24 months relative to the Greater Sydney benchmark. Houses within the 1km catchment area of Phase 2 metro stations were the exception, rising 10.9% over the past two years, slightly above the 9.6%…

Here are some inspirational quotes by the highly successful entrepreneur Richard Branson to help stir you up and get you moving through the day … 1. “Respect is how to treat everyone, not just those you want to impress.” – Richard Branson 2. “Learn from failure. If you are an entrepreneur and your first venture…

Key takeaways Median house prices could soar by up to $154k by end of 2026 as buyers pile in for spring  Westpac forecasts suggest Sydney’s median house price could rise by up to $154,000 by the end of 2026, taking it close to $1.68 million. Melbourne is expected to stage a strong recovery, with forecasts…

Two-thirds of property investors make the mistake of buying in their own backyard. Now we know that most property investors never achieve the financial freedom they’re looking for. Of the 2.1 million property investors in Australia, 1.9 million never get past their first or second property while only around 20,000 investors around Australia own 6…

Key takeaways In the past, each generation improved economically: more education, better jobs, homeownership, and longer lives. That upward trajectory is now in question, especially for Millennials and Gen Z. Young Australians are increasingly skeptical that they’ll be wealthier or more secure than their parents. Recognising generational shifts allows savvy investors to anticipate changes in…

The government will keep the permanent migration level for 2025-26 at 185,000, the same level as the previous financial year. Immigration Minister Tony Burke announced the figure amid a fresh divisive debate about immigration, intensified by the weekend marches calling for lower numbers. Neo-Nazis were prominent, especially in Melbourne, while on Tuesday self-identifying Neo-Nazi Thomas…

Key takeaways Over 50% of Australian voters now rely on government money as their primary source of income, whether via wages, welfare, subsidies, or aged/disability care. This is a massive cultural shift, not just a fiscal one; we’re normalising dependency, not empowering independence. According to the Centre for Independent Studies, this dependency is underpinning the…

Australia’s housing market is under pressure from many directions, but one of the most overlooked barriers is stamp duty. Once a relatively modest transaction cost, stamp duty has ballooned into one of the biggest financial hurdles for homebuyers. Just to give you an idea – in Sydney, stamp duty on a median-priced house has gone…

Key takeaways The RBA is Cautious, You Should be Decisive: Rates are easing, but slowly. The RBA’s data-dependent stance means a return to ultra-low rates isn’t on the cards. Waiting for massive cuts is a losing strategy. Cheaper Credit Pushes Quality Assets Further Away: Lower rates increase borrowing power across the market. With listings for…

Money doesn’t discriminate; it doesn’t care who you are or where you come from. No matter what you did yesterday, today begins anew and you have the same rights and opportunities as everyone else to become wealthy. Yet the sad reality is that the majority of Australians will never achieve financial freedom. On the other…

With their prominence on the rise across the country, buying a strata unit may be the next step in your property journey – and the fact that strata titles now make up more than 20% of living arrangements in New South Wales is further testament to this. But there’s more to owning a body corporate…

This winter has shaped up as the strongest property market we’ve seen in a long time, with strong buyer activity and rising confidence cutting through the usual seasonal slowdown. In today’s show Dr. Andrew Wilson and I discuss how results have been far from uniform – Sydney is surging ahead with particularly strong performance, while…

Key takeaways National home prices rose 0.5% in August, marking the eighth consecutive month of growth and taking home values to a fresh record high. National home prices are up 5.3% over the past year, adding around $47,900 to the value of the median home, and have surged 50.4% in the past five years. Prices…

There are two types of people in the world: Those who hate the success of others Those who let the successes of others fuel them toward their own greatness. Most people fall into the first group. It’s why we have “tall poppy syndrome.” Here’s my free tip for you: Be in the second group. That’s the…

There’s a reason they call property investing “as safe as houses”, right? It’s because generally, buying property – provided you have a clear strategy and set goals – is a sound investment. Becoming a landlord can be a highly profitable venture for many people, including everyday Australians earning ordinary incomes. However, there are a few…

One thing many of the world’s most successful people have in common is their ability to inspire others. I hope these motivational quotes inspire you on your journey to achieving success. 1. “The more you praise and celebrate your life the more there is in life to celebrate” – Oprah Winfrey 2. “You must be…

Key takeaways Investors are back in charge. Their confidence in the market signals optimism for growth, but also raises affordability challenges for homebuyers. Homebuyer activity is shifting east. Queensland and the smaller states are benefiting most, while WA cools after its strong run. Supply remains the Achilles’ heel. New builds are falling further behind demand,…

I’ve found that becoming wealthy is not a fluke. I spent five years studying the habits of 233 millionaires — 177 that were self-made — in order to find out how they spent their time from the moment they woke up in the morning, to the moment they put their head on the pillow. Based…

Key takeaways Brisbane’s Olympic bid is a city-building opportunity. The Games are a vehicle to reposition Brisbane alongside Sydney and Melbourne as a global contender, transforming its infrastructure, economy, and liveability. Government-backed, long-term projects are already underway and will continue well beyond the Games. Brisbane’s 2032 Olympics is a rare event – a true once-in-a-generation…

Key takeaways Headline CPI rose to 2.8% in July (up from 1.9% in June), driven mainly by electricity price hikes, delayed rebates in NSW and ACT, and higher holiday travel costs. The Reserve Bank will likely wait for the September quarter CPI results (due 29 October) before cutting again, with November shaping up as the…

Key takeaways Every year, spring breathes new life into Australia’s property markets. Listings rise +5.9% from winter to spring (on average over 10 years). Sales volumes increase +8.4%, making spring the busiest selling season. Auction volumes surge +31% compared to winter, and +65% compared to summer. Prices typically record their sharpest lift, averaging +2.6% between…

Today I’m joined by Ross Elliott, a respected urban thinker and commentator, and we discuss something most politicians and planners are ignoring: the danger of concentrating 70% of Australia’s population into just eight capital cities, and doing it without a real plan. We explore the challenges of infrastructure, the concept of the missing middle in…

Key takeaways Australia’s property market isn’t just about affordability or investment; it’s influencing love, marriage, and family stability. Rising housing costs can trap people in relationships, even unhappy ones, simply because they can’t afford to separate. High property prices delay homeownership, marriage, family formation, and fertility decisions. They also shape power dynamics within relationships. Housing…

It has been said that the most important factors that will change where you are in 12 months’ time compared to where you are today in your life are the books you read and the people you hang around with. If you want to improve your life, I believe you need to build the foundations…

Key takeaways Sydney’s skyline is famous across the globe – a mix of heritage landmarks, modern towers, and high-rise living by the harbour. Keeping all of that infrastructure safe and looking sharp requires a very particular skill set: rope access. Whether it’s window cleaning, facade repairs or specialist inspections, rope access technicians are the ones…

 Have you ever looked at a tired old property and thought, “There’s potential there,” but weren’t quite sure what to do with it?  Well, today’s show could be the spark you need. Because we’re talking about one of the most powerful – and underutilised – strategies for building wealth through property: strategic renovation. In a…

Key takeaways Despite living in one of the wealthiest countries, many hardworking Australians are financially struggling. It’s not just numbers — it’s real and lived through rising grocery bills, rents, mortgage repayments, and quiet stress. To be in the top 1%, you need to earn over $375,000; median income is around $65,000. Although unemployment is…

I love the Joe Rogan podcast because Rogan cuts through all of the noise with his straight talk and common sense logic. You can learn a lot just from listening to his podcast. Some of the things I’ve learned from the Rogan podcast align with much of my Rich Habits research. Here’s some of the…

Key takeaways Warren Buffett’s theory on the lottery of life is a powerful reminder of the role of luck in shaping our destinies. I suppose it’s easy to feel “extremely lucky” if your name is near the top for the richest person in the world! This idea delves into the role of chance in our…

Inspirational quotes and motivational quotes have the power to get us through a bad week. Judging by the number of people who read my regular Monday morning dose of motivational quotes, you agree with this. So in the spirit of self-motivation, here are another 10 inspirational quotes… 1. Whatever the mind of man can conceive…

Key takeaways 334,800 High-Net-Worth Individuals (HNWIs) now live in Australia, a 0.5% increase year-on-year, per Capgemini’s 2024 report. They collectively control over AUD $1.6 trillion in assets, with 2,450 “ultra-rich” Australians holding more than US$30 million each. In 2024 alone, HNWIs in Australia saw their wealth grow 3.3%, significantly outpacing Australia’s 1.3% economic growth rate….

Key takeaways Most homes don’t match most households: New analysis shows 61% of households are just one or two people, but three- and four-bedroom homes dominate the housing stock. Couples without kids and people living alone now make up the majority of households, yet policy and planning still focus on families. Two-person households are more…

Key takeaways Households could slash annual energy bills from ~$3,000 to $300 by fully electrifying their homes—installing rooftop solar, electric appliances, electric vehicles (EVs), and improving insulation. That’s a $2,700 annual saving, with added benefits of resilience to energy price hikes and potential blackouts. If you could cut your power bills by 90%, would you?…

Key takeaways Stamp duty is one of the most damaging taxes in Australia, it distorts housing decisions, penalises mobility, and locks people out of home ownership. The burden has skyrocketed: In Sydney, stamp duty on a median-priced home rose from 45% of annual income in 2000 to 120% in 2024. Similar trends exist in Melbourne…

Imagine inviting thousands of people to a party… but forgetting to organise enough food, chairs, or bathrooms. That’s essentially what Australia is doing by ramping up migration while failing to plan for the housing and infrastructure to support it. Today, Simon Kuestenmacher and I discuss why we can’t keep separating housing policy from migration policy….

Key takeaways Gen Z is the smallest generation in decades, entering the workforce in a period of low unemployment. Employers are competing for staff, giving young workers bargaining power for higher wages and better conditions. Over the next 10–15 years, baby boomers will leave their large family homes, many in desirable middle-ring suburbs. These properties…

Key takeaways Productivity growth is the main driver of living standards, wages, and sustainable economic growth. Without improvement, Australia risks declining living standards and fewer opportunities for future generations. Productivity challenges pose risks for wages, living standards, and fiscal sustainability. For investors, the environment favours those with equity, multiple income streams, and a strategic approach….

In today’s Macro Insights Podcast, Ken Raiss and I examine who really pays tax in Australia, and the results may surprise you. We also share what the average wage and superannuation balance in Australia is, and I bet these figures will surprise you.  We also discuss the latest statement from APRA about its 3% mortgage…

Key takeaways Passing on wealth is about creating freedom, security, and values for future generations, not just financial gifts. Without a structured plan, much of your generosity can be lost to taxes, creditors, or poor financial decisions by heirs. Wealth transfer isn’t just about tax savings—it’s about intentional, strategic planning that reflects your values and…

According to my Rich Habits Study, one of the reasons the wealthy accumulated so much wealth was due to the fact that they worked more hours than those who were not rich. Here’s some of the data: 44% of the wealthy worked 11 hours more each week than the non-rich. 86% of the wealthy who…

Key takeaways Then vs Now: Previously, property management was mainly about collecting rent and basic maintenance. In 2025, it’s a multifaceted role combining technology, strategy, compliance, and relationship management. Modern managers are now asset custodians, risk mitigators, tenant experience coordinators, and legal guardians – not just caretakers. Property management has evolved dramatically, and so should…

It’s Monday again so here’s another collection of the 12 inspiring quotes to help get your week off to a good start: 1. “Twenty years from now you will be more disappointed by the things you didn’t do than by the ones you did do. So throw off the bowlines. Sail away from the safe…

Who will buy my property? That’s the question you should be asking yourself if you want to create longer-term wealth through property investing. Sure, property markets in many parts of Australia are booming, but this too shall pass. Although growth will continue for the next few years, all property upturns set the stage for the…

In the world of property investment, investors often focus on market trends, yield, and capital growth. Although these are critical to success, one vital tool is all too frequently overlooked: life insurance. A high-quality, reputable, and tailored policy, such as TAL life insurance, offers personalised protection that helps safeguard your financial future, protect your family,…

Key takeaways If a picture paints a thousand words, then this collection of charts should do a pretty good job of painting the landscape as it affects our economy and our property markets. Australia’s economy doesn’t operate in isolation, so it’s important to keep track of how the economies of our major trading partners are…

Key takeaways The average new owner-occupier loan size in Australia has hit a record $678,000, up $18,000 in just three months, equivalent to an extra $198 a day in borrowing capacity. NSW remains the highest at $816,000, while WA saw the fastest growth (+4% to $620,000). Increased borrowing power doesn’t always mean you should borrow…

Key takeaways 97% of house resales and 88% of unit resales in the first half of 2025 were profitable, the highest levels for houses in nearly two decades. Houses remain the safer bet, with far fewer loss-making sales than units. With owners sitting on substantial equity and few distressed sales, profit-making resales are likely to…

What happens when the Great Australian Dream becomes a financial nightmare? In 2025, buying your first home in Australia has become less of a rite of passage and more of a high-stakes gamble. Record-high deposits, sky-high property prices, and mortgage repayments eating up more than 30% of many buyers’ income – it’s no wonder almost…

Key takeaways Over the next decade, millions of baby boomers (born 1946–1964) will retire, taking with them decades of skills, leadership, and entrepreneurial know‑how. This is more than just replacing workers, it’s a “leadership cliff” that will ripple across industries, regions, and government. Gen X, the next in line, is smaller in number, meaning mid‑level…

As blockchain technology continues to improve, stablecoins can be important tools in redrawing the way properties are settled in Australia. Real-time settlement capability attracts more notice from both the real estate and finance sectors. With other payment methods frequently delaying property deals, Australian real estate industry players are considering whether digital products can hasten the…

Key takeaways This is the third cut in the current easing cycle, in what was always expected to be cautious and gradual. The move follows a surprise July ‘hold’ decision, when the RBA paused to assess inflation and labour market trends. There are 3 more RBA meeting dates this year: Sep 30, Nov 4, Dec…

It’s been a solid six months of gains in Australia’s housing market, and July was no exception, with values climbing 0.6% nationally, according to the Cotality Home Value Index for July. But zooming in on Sydney, Melbourne and Brisbane reveals some sharp contrasts in the pace, and sentiment, of growth. Sydney continues to move steadily,…

Key takeaways Approvals are not the problem; delivery is. With 219,000 homes already under construction and completion times ballooning, the real bottleneck lies in the build phase, not planning reform. While state and local governments focus on approvals and improving the feasibility of new projects, building companies continue to be stretched thin across an already…

Key takeaways Old myth busted: Property development isn’t just the domain of cashed-up tycoons anymore. Everyday Australians—teachers, retirees, and professionals—are now actively getting involved. Thanks to changing market dynamics, access to education, and smarter financing, development is more accessible than ever. For decades, property development has been perceived as the exclusive domain of the ultra-wealthy,…

Key takeaways For much of the 20th century, there was a strong belief: each generation would be better off than the last. That contract—better financial prospects, easier homeownership, earlier retirement—is now in doubt for Millennials and Gen Z. The younger generations aren’t necessarily worse off, but they are following a different, often delayed, path. For…

Key takeaways There’s growing political and media noise around property investors being blamed for housing affordability issues. But much of this narrative doesn’t hold when you examine the actual data. Facts, not opinions, reveal a more nuanced and grounded reality. Most property investors in Australia are everyday people—working Australians building financial security. The idea that…

Newspapers and magazines are full of stories about work-life balance — why it’s important, how to achieve it, and why so many people struggle to maintain it. It’s a relatively new buzzword and, like all fads, is sure to be replaced at some point by another new one! But I want to talk a bit today…

Key takeaways Despite media noise about easing rental conditions, the data clearly shows a persistent and severe rental shortage. While there’s been a lot of noise lately about rental growth slowing and affordability improving, the data paints a very different, and much more persistent picture. Despite slight upticks in rental vacancy rates in recent months,…

Over the years I’ve been teaching children about a simple but powerful concept – the ant philosophy. I think everybody should study ants. They have an amazing four-part philosophy. Here is the first part: ants never quit. That’s a good philosophy. If they’re headed somewhere and you try to stop them; they’ll look for another way. They’ll climb over,…

As we move through the cooler months, Australia’s rental market is showing signs of seasonal rebalancing – but don’t mistake that for relief. In Sydney, Melbourne and Brisbane, vacancy rates remain tight, and asking rents continue to edge upward, albeit at a slower pace. Sydney’s vacancy rate nudged up to 1.6% in June, according to…

Key takeaways National home prices hit a new record high of $827,000 in July, following a rise of 0.3% over the month and 4.9% over the year. Regional areas have outperformed their capital city counterparts in most states, up 0.4% over the month and 6.5% over the year. Capital city prices climbed 0.3% over July…

Key takeaways 8.8 million Australians—about 2 in 5 adults—are expecting an inheritance to improve their financial future. 10% are financially dependent on it to meet major goals (buying a home, retiring, clearing debt). Relying on inheritance is like banking on a lottery ticket—uncertain, delayed, and tangled in emotional complications. If you’re serious about achieving financial…

Key takeaways Have you ever wondered what leads to the ups and downs of our property cycle? Well…the markets are not just driven by numbers and data, but largely by human psychology. Psychologists have shown that the mind of an individual investor is a fascinating labyrinth of emotions and cognitive biases. And these cognitive biases…

In my book, Investopoly, I outlined 8 investing rules that if followed, will help you build wealth and avoid making costly mistakes. These 8 rules are evidence-based which I have refined over the past 20+ years. Rule number one is; to play the long game. Arguably, it’s the most important rule because I’ve observed that this is…

Key takeaways Many of the new buyers’ agents promote so-called “undiscovered” hotspots, urging investors to jump in quickly, ride a price wave, and sell at the peak. But this short-term mindset often leads to poor investment decisions. Most buyers’ agents use the same data sources, often leading multiple investors trying to buy into the same…

Have you thought about investing in commercial property? You’re not alone — faced with the prospect of more moderate returns from their residential property investments, many investors are considering this as an alternative. By this, I mean offices, shops or warehouses. Some investors are looking for diversification in their investment portfolios; others are looking for…

Key takeaways National dwelling values rose by 0.6% in July, with the rate of growth holding firm relative to the prior two months. Every capital city recorded a rise in dwelling values through the month – led by Darwin with a solid 2.2% rise, followed by Perth, up 0.9%. At the softer end of the…

“But economic growth has moderated, held back by slowing public investment, population growth and household spending. The future path will depend on the resiliency of the job market, further interest rate cuts and US President Donald Trump’s trade policies.” In the July 2025 edition of the State of the States: Western Australia leads the national performance…

Key takeaways Around 70% of Aussie businesses are family owned, and 40% of those are run by couples. That means hundreds of thousands of Australians are navigating both personal and professional lives with the same person. It’s a powerful economic force—but not without its complexities. Couple-run businesses often fail to plan succession because the attachment…

Key takeaways Headline CPI for the June quarter dropped to 2.1% annually, down from 2.4%. Trimmed mean inflation (the RBA’s preferred measure) is now 2.7%, also falling from 2.9%. This marks the second consecutive quarter inflation has returned to the RBA’s 2–3% target range. It’s the lowest trimmed mean reading since December 2021, showing inflation…

Key takeaways The RBA has pulled off a rare feat: inflation in the 2-3% band while keeping unemployment at 4.1%. Governor Michele Bullock called it a “remarkable” achievement, and she’s right—it’s far better than many expected post-pandemic. The primary force behind low unemployment isn’t private sector strength, but massive growth in public sector employment, especially…

When you’re overly focused on the future and always want to accomplish more, it’s very difficult to be happy today. After all, it is never enough. I see many people who want more, who want to have a better life. And it’s not just more money or more properties. Some want more degrees or academic…

Key takeaways Nearly 200 Australian suburbs saw median property prices rise by more than $500/day between May 2020 and May 2025. 19 suburbs surpassed $1,000/day, with top performers like Wollstonecraft and Surfers Paradise doubling in value. Australia needs ~250,000 new homes/year to keep up with population growth, yet we only approved 181,643 in the past…

Ever wondered how Warren Buffett went from selling Coca-Cola bottles for a nickel as a seven-year-old in Omaha to sitting atop the Berkshire Hathaway empire with over $1,070 billion in assets? There are three key habits that helped him get there, and they’re habits everyone can adopt. 1. Never Stop Learning In Berkshire Hathaway’s 50th…

Key takeaways Income growth has stagnated, while asset values—particularly property—have surged. This has created a tilted playing field, favouring those who already own property or other appreciating assets. The median home price in Australia has surpassed $1 million, highlighting how far out of reach property is for many Australians, especially younger generations. If you’re feeling…

We all belong to one – a demographic tribe. Australia is one big country of many tribes. If you don’t belong to the one you don’t survive. Some are easy to find: it might be your footy team or where you work; the way you vote or the way you dress. But there’s another set…

Key takeaways The Australian housing market remains far more complicated than many portray it to be. The Australian housing cycle is turning up again; falling interest rates are the key driver, along with a chronic undersupply of homes of 200,000-300,000 dwellings. This partly reflects a surge in building times; poor affordability is a key constraint…

Setting the right budget for a property purchase, be it a home or investment, is a very important financial decision. If your budget is too conservative, you risk missing out on potential capital growth or settling for a property that does not meet all your lifestyle needs. On the other hand, if you overspend and…

There’s no greater financial milestone than signing a contract to own a property that you can call your own. While you may be tempted to take out the celebratory champagne to commemorate this monumental purchase, the truth is, there’s still a lot of work lined up for you as the upcoming homeowner. If it’s your…

Some data providers are claiming that data driven AI programs enable them to predict the future of property markets with great accuracy, but in my mind there are huge risks when it comes to using AI to make property predictions. AI works by copying human intelligence using algorithms that analyse large amounts of data, identify…

Key takeaways National rental values saw their lowest second quarter increase since 2020 in the three months to June – up by 1.3%. Over the past five years, rents have increased by 42.7% nationally, taking the median weekly rental value almost $200 higher to $665 per week. Annualised out, this is equivalent to an additional…

There is a lot of noise being bantered about regarding property investment of late. No surprises here given the recent federal election result, the tightness of the countries rental market and changes to property investment taxation potentially coming our way, thanks to the Labor Party, Greens and a weak opposition. I don’t want to join…

Key takeaways Australia has transformed beyond recognition in the last 100 years. The next 100 will be even more dramatic. The key message: We are already building the future through today’s choices. From housing and healthcare to migration and technology, the seeds we plant now will determine the shape of 2125. A century ago, Australians…

Most people don’t negotiate every day. But in real estate, negotiation can mean the difference between a great deal and an expensive mistake. Picture this: you’ve finally found a property that ticks all the boxes. It suits your goals, fits your strategy, and you’re ready to make your move. But now comes the tricky part,…

Key takeaways Property investment success relies heavily on strategy, timing, and financial planning, not just the asset itself. Professional guidance adds insight, structure, and local knowledge that can dramatically improve long-term outcomes. Understanding the complete picture of a location—economic trends, infrastructure, and demographics—is key to finding value. A clear mindset and adaptable management approach help…

Buying property at auction isn’t for the faint-hearted. The high stakes, the public spectacle, the adrenaline—it’s an experience many buyers would prefer to avoid if they can. So, should you try to beat the crowd and make a pre-auction offer instead? Well, that depends. It depends on where you’re buying, the local market conditions, the…

Key takeaways From Jan 1, 2027: All new homes and most new commercial buildings in Victoria must be built fully electric — no new gas connections for heating, hot water, or cooking. From Mar 1, 2027: In existing homes, when a gas hot water system fails, it must be replaced with an electric one (e.g.,…

You’ve heard the term gentrification, and you may even have an understanding of what it means. But for investors, gentrification takes on a whole new meaning, as it actually represents a powerful opportunity to increase both your property returns in the short term and your overall real estate wealth in the long term. Let me…

Key takeaways Most investors are not rational — their decisions are driven by fear, emotion, and unconscious biases. Emotion clouds judgment — and in property, where the stakes are high, that can be especially dangerous. Successful property investing is as much about mindset as it is about money — self-awareness gives you an edge. Independent,…

If you own a property that you suspect may not be investment-grade, how do you work out if it is worth selling and replacing it with a better-quality property? Risks and costs associated with replacing a poor investment Replacing an investment asset comes with risks and several costs: Asset selection risk: This is the risk…

Key takeaways While there are frustrations, particularly among younger Australians, who liken the housing market to a Ponzi scheme, this analogy oversimplifies complex market dynamics. A Ponzi scheme is a fraudulent investment setup that relies on continuous new investor money to sustain itself. The Australian housing market is supported by several solid fundamentals that differentiate…

Ask any long-term landlord and they will probably say they have experienced the highs and lows of property management. In fact, many investors have learned the hard way about property managers who don’t do much more than collect the rent – and sometimes that doesn’t happen either! Now, every industry has its bad apples, but…

In today’s competitive real estate landscape, success isn’t just about having the best listings or the widest network – it’s about how efficiently and intelligently agents move prospects from interest to close. Technology is reshaping how property professionals operate, with digital tools now playing a central role in driving productivity, enhancing communication, and increasing conversions….

You’ve probably read an article or two that espouses the need to get up early in order to be successful. Studies are regularly released that seem to confirm this theory and various experts are trotted out to speak about the importance of getting a jump on the day. Most psychology of success blogs at some…

As families grow, work evolves, and lifestyle needs change, extra bedrooms become a necessity rather than a luxury. A five-bedroom home opens the door to multi-generational living, dedicated workspaces, guest accommodation, and lifestyle flexibility. It’s not simply about square footage—it’s about better functionality, improved zoning, and elevated daily living. In Melbourne’s evolving suburban landscape, 5-bedroom…

In the runup to each election, federal treasury produces a “blue book” and a “red book”, with advice tailored to the priorities of the two alternative governments. One of these is given to the incoming government and the other is never released. Freedom of Information requests have generally resulted in only heavily redacted versions of…

Key takeaways Despite expectations that older Australians will downsize as they age, most are staying put. Emotional attachment to the family home—filled with decades of memories—makes it hard to leave. Downsizing has been “over-reported and under-appreciated”; the majority prefer to age in place, not relocate. Boomers want to downsize locally, but suitable homes (smaller, accessible,…

Sir Richard Charles Nicholas Branson is an English business magnate, investor and philanthropist. He founded the Virgin Group, which controls more than 400 companies. Branson has developed a reputation for being a risk-taker and someone who values fun over everything else. Here’s some of his rules for success to inspire you… 1. Write down every…

I hate to repeat what everyone else is saying, but clearly, we are living in challenging times. Despite all the bad news in the media, with economic problems, geopolitical problems, and cost-of-living pressures, there is also good news out there if you look for it. But there’s no doubt there are still many challenges ahead…

We’re now on the brink of what could be the biggest shake-up to the Australian tax system since the GST was introduced back in 2000. Federal Treasurer Jim Chalmers has signalled that tax reform is not just on the agenda – it’s a priority. But what kind of reform are we really talking about here?…

Key takeaways Despite living in a prosperous nation, the majority of Australians fail to build and retain genuine wealth. This isn’t because of a lack of ambition, effort, or intelligence — it’s largely due to a system that works against them and the absence of deliberate, forward-thinking plans. Wealth isn’t accidental; it’s the result of…

I’ve worked with quite a few self-made men and women over the years. These are the people who have impressed me with their level-headed approach to wealth and achieving success. They walk the walk and not just talk the talk, and it shows in their achievements. Very often these people come in pairs. What do…

Key takeaways Brisbane is now the second-most expensive capital city market after Sydney. Brisbane house values have surged 76% since 2020, coinciding with the early stages of the COVID-era housing boom. One of the biggest driving factors of the Brisbane house market has likely been the surge in demand from a shift in interstate migration,…

Key takeaways From October 2025, it will be illegal in Victoria for landlords or agents to encourage tenants to offer more than the advertised rental price. The government aims to curb rent bidding, arguing it inflates rents and increases stress for renters in a tight housing market. The rent bidding ban might ease tenant anxiety…

All investors know that location is one of the most critical components of any successful property investment. When long-term capital growth is the sought-after reward at the end of the real estate rainbow (as it always should be), it is vital that you not only find the best possible property but the best possible position. In…

A Goldilocks investment strategy means that you are making the most of your financial opportunities without overdoing it and taking unnecessary risks. That is, your level of investing is exactly right (i.e., perfectly balanced). Underinvesting means that you risk not having enough investment assets to enjoy a comfortable retirement. Overinvesting means that you have taken…

You’ve finally done it. You’ve clocked off. After decades of working hard, saving diligently, and building a solid property portfolio, you’ve reached retirement. It’s a milestone worth celebrating. There’s relief, excitement, and anticipation for this new chapter. But after the champagne pops and the calendar clears, many investors find themselves facing a new kind of…

There is nothing wrong with making a mistake. We all stumble and fall now and again, yet the property market is full of people who’ve inched their way to the top after many setbacks. In fact, failure is an important part of life and essential to growth  —both individually as a person and as an…

Today, women live longer than men, but retire with far less money. And despite all the progress we’ve made, Australia’s gender wealth gap remains stubbornly wide. Today I’m joined by Sarah Megginson, money expert and Head of Editorial at Finder, to unpack the insights from their 2025 State of Women’s Wealth Report. We explore why…

One of the most important decisions we make in life is who we choose to be around. In fact, there is an old proverb that reads, “Show me your friends and I’ll tell you who you are.” One of my early mentors, the late Jim Rohn said it well: ‘You are the average of the…

Key takeaways Australian women hold 40% less net wealth than men and retire with significantly smaller super balances. The wealth gap starts early, with girls receiving less pocket money and encouragement to invest. Women are less likely to invest in property, delaying wealth creation compared to men. Housing affordability challenges hit women harder, making it…

I am sure you have been bombarded over the years with articles about how to bid at a house auction. I am going to suggest a few simple tips you can implement and then show you how it plays out at a LIVE property auction I attended a couple of years ago! This could have…

Key takeaways The RBA kept the cash rate at 3.85% in July, surprising many, but not completely outside expectations. This pause aligns with a “once-a-quarter cut” rhythm, likely giving the RBA time to digest quarterly CPI data and economic trends. According to CBA economist Belinda Allen, the pause reflects a strategic, cautious approach amid improved…

The Australian property market has been anything but predictable in recent years – booms, corrections, interest rate hikes, and a housing supply crisis have kept everyone on their toes. But what lies ahead? In today’s episode I’m joined by Dr Nicola Powell, Chief of Research and Economics at Domain, to unpack their latest Price Forecast…

Key takeaways Fiscal 2026 looks like a mature, fundamentals-driven market phase. The “boom” phase is over, but solid, location-driven growth remains. Biggest threats are external (global shock, policy misstep) or systemic (debt, construction failures). For now: a cautious thumbs-up, but a clear warning – Australia’s economic good times aren’t guaranteed to last. Long-term fix? Boost…

It happens every year. The TV show “The Block” inspires a new wave of investors keen to get involved in renovating and “flipping’ properties. Just to make things clear “flipping” is where you purchase a property and then sell it within a short period of time for a higher price, usually having added value through…

Key takeaways Property markets are powered by a complex web of economic levers, social trends, and psychological triggers. Migration turbocharges demand. Think like a future buyer, where will families and downsizers want to live in 5–10 years? Invest in areas where new supply is hard to create (due to zoning/geography). Landlocked, inner- and middle-ring suburbs…

The latest population numbers to December 2024 are out for Australia, States and Territories. Australia’s population is still growing strongly, but the very high overseas migration we saw in 2022-23 and 2023-24 financial years is tapering off leading to slightly lower growth. At December 31st, 2024, the population of Australia stood at 27,400,013 people, up…

Key takeaways Boomers bought homes at 3–4 times their annual income, versus today’s 9+ times in major cities. Millennials and Gen Z typically start saving for property later due to extended education and delayed family formation. Political incentives keep housing prices high, protecting voter wealth. Policies designed to help first-home buyers (grants, accessing superannuation) often…

Today I’d like to share with you one of the biggest “Ah-Ha’s” I ever experienced. You see…I’ve been running my Mentorship Program for over 18 years now. I believe it’s Australia’s longest-running program of its type. I’ve had the pleasure of working with some very, very successful property investors and I’ve had the joy of seeing…

Key takeaways Westpac’s latest Housing Pulse shows a quiet shift: Aussies are warming back up to homeownership. While affordability concerns and rate pressures persist, sentiment among owner-occupiers is improving. There’s renewed interest in lower-density housing, detached homes and small-unit blocks. suggesting a continued post-COVID preference for space, lifestyle flexibility, and autonomy. Policymakers must encourage investor…

I know that many property investors are a little intimidated by the thought of bidding for a property at auction. I can understand why because auctions are an emotional and exciting event. And even after bidding at hundreds and hundreds of auctions, I must admit I still get that surge of adrenaline every time I…

Typically, accountants tend to advise against using a private company structure to hold geared property investments. However, investors shouldn’t automatically dismiss this approach, as it can provide substantial capital gains tax (CGT) savings. Commonly cited disadvantages of a company ownership structure There are two main disadvantages of using a company structure for property investment: No…

We’ve all heard the phrase “rent money is dead money,” right? But is it really? As property prices surge and affordability challenges mount—especially for younger Australians—a growing number of people are turning to an alternative path: rentvesting. That’s where you rent the home you live in and invest in a property elsewhere. Is this just…

Key takeaways After World War II, homeownership became central to the Australian identity, driven by government policy, migration, and the availability of affordable land. Homeownership peaked at 73% in 1966, underpinned by rising dual incomes, easier access to finance, and strong cultural aspirations. Today’s rate sits at ~66% – still high globally, but with a…

There are more than 600,000 self-managed super funds (SMSFs) in Australia controlling more than $700 billion – so on average each fund holds more than $1.2 million – and many people who set up an SMSF do so to have greater control over their investments and operating costs. And it makes sense given that so…

Few sectors feel the ripples of global trade as directly as industrial real estate. Investors in Australia have learned that shifts in shipping routes, trade agreements, and international demand can quickly influence property values around ports, freight corridors, and major distribution hubs. It’s not just about steel sheds and warehouses anymore. The movement of goods…

Did you know that for the first 15 years of your mortgage, you’re working mostly for the taxman, not your future wealth? It’s a startling claim, but one backed by data from the Housing Industry Association — and it sheds new light on why housing affordability is getting worse, not better. Today, I’m joined by…

Key takeaways Most buyers mistakenly believe negotiation is simply about haggling over dollars. In reality, it’s a strategic process with psychological depth, multiple moving parts, and subtle leverage points. The professionals understand this, and use it. Trying to negotiate your own deal without experience is like doing your own legal work or surgery, risky and…

Key takeaways New mortgage holders are paying up to 50% more in monthly repayments than those who borrowed the same amount just 2.5 years ago. Despite the steepest rate tightening in modern history, property values remain resilient—even growing in many key markets. The rise in mortgage costs is a reminder that financial conditions can change…

Key takeaways The Australian Property Institute (API) has just released its inaugural Valuation Report, and it turns that long-held belief on its head. While housing markets have seen strong growth, industrial property, especially in Sydney, has quietly emerged as a top performer. Sydney industrial warehouses emerged as the highest performing non-farm property sector over the…

Warren Buffett is obviously incredibly successful. He’s probably the most successful investor of modern times, having built his wealth long-term to over US $136 billion, making him one of the richest men in America. Let’s check out 10 intelligent and inspiring lessons and quotes on investing from one of the world’s wealthiest people. 1. One…

Key takeaways Despite high interest rates and cost-of-living pressures, only 1.68% of Australian home loans are in arrears, well below pandemic-era peaks and international benchmarks. Tighter serviceability buffers, low levels of risky lending, and strong employment have helped households stay on top of repayments, even as monthly mortgage costs have surged. Negative equity remains rare,…

Key takeaways Million-dollar-plus medians are becoming the norm in capitals and key regional centres. This means affordability pressures and a widening wealth gap is making it harder for first-home buyers unless they shift to smaller homes or outer areas. On the other hand this is an opportunity for strategic investors who focus on location, quality,…

Key takeaways Despite affordability issues, rising interest rates, and fierce competition, first home buyers remain very active in our housing markets. Their motivation is largely driven by fear of missing out (FOMO) rather than financial readiness. Many are buying because they fear prices will rise further, not because they’re truly prepared. While challenges abound, the…

Key takeaways Perth’s median home value ($787,000) has overtaken Melbourne’s ($782,000) for the first time in over a decade, according to the PropTrack May 2025 Home Price Index. The headline might belong to Perth today, but the next wave of smart property investment gains could well be made in Melbourne. It’s a classic case of…

If you’re a property investor, I have an important question for you… When was the last time you thought seriously about your property manager? If you think their main job is collecting the rent and organising tradies when something breaks, I’ve got news for you—things have changed dramatically. In fact, the world of residential property…

Key takeaways The saying “life begins at 40” is comforting, but today’s reality is more nuanced. For many Australians, midlife marks a true turning point, a phase where priorities shift from external achievements to inner fulfilment and deeper purpose. This stage is often misunderstood as a period of decline, but it can actually be the…

If you’ve ever felt like you’re playing a game of property monopoly in Australia, but someone else got to pass “Go” decades before you and now owns half the board, you’re not imagining it. That “someone else”? It’s the Baby Boomers. They’ve won the property game in Australia. Not just because they got in early,…

Key takeaways Purchasing property in inner Melbourne suburbs like Fitzroy, Carlton or Northcote in the early 1980s turned out to be a gateway to multi-generational wealth. These areas, once working-class, underwent gentrification and became some of the most valuable real estate in the country, with homes now worth over $1.5 million. Property is no longer…

Want to make a huge difference in someone’s life? According to Inc.com, here are things you should say every day to your employees, colleagues, family members, friends, and everyone you care about: 1. Here’s what I’m thinking You’re in charge, but that doesn’t mean you’re smarter, savvier, or more insightful than everyone else. Back up…

When considering property value in Australia, location, size, and infrastructure of the property will often be front and centre. While everyone appreciates having water and sanitation, plumbing systems are usually the forgotten component for determining the value of a home, despite being of key economic importance. The functionality of bi-products (such as heating/cooling systems, greywater…

Key takeaways When a lender comes out offering a 10-year interest-only (IO) home loan, it naturally raises a few eyebrows, and some important strategic questions. A 10-year IO loan isn’t good or bad, it’s a tool, and tools depend on how you use them. It can extend runway, provide breathing space, and align with growth…

Key takeaways The dream of home ownership , or even just affordable renting, is slipping further out of reach. The issue isn’t simply population growth or greedy developers. The real culprits lie deeper within policy, tax, and planning structures. Until we deal with the policy-level supply constraints, prices will remain high, not just because demand…

Key takeaways Australia’s population grew by 445,800 people in 2024, bringing the total to 27.4 million. Net overseas migration made up 76% of the growth (340,800 people), while natural increase (births minus deaths) contributed 105,200. Western Australia had the fastest growth rate at 2.8%, followed by Victoria at 2.4%, both driven heavily by migration. Tasmania…

What if I told you there’s a book that’s been on the best-seller list for close to 2,000 years? It’s been translated into virtually every language, read by everyone from politicians to sportspeople and CEOs, and holds every bit of relevance today as it did when it was first written around 2,000 years ago. It’s…

Flipping a property means working on a tight schedule. You must know when to hire removalist services to avoid delays and extra costs. In this article, we discuss the key moving stages in a flip: clearing out before renovation, bringing in new fixtures after work, and shifting staging items for open home events. You will…

Those with a slight edge own the world. As I discovered from my Rich Habits research, those who possess some slight edge, some unique niche they’ve cultivated over many years, receive a premium for whatever product or service they sell. And that premium makes them rich. To me, this was a major revelation. It contradicts…

Key takeaways Property prices across Australia’s capitals are forecast to rising over the next year by Domain, but at a slower, steadier pace than previous booms. Combined capital city house prices are expected to rise 6% over the FY26, with units up 5%. The growth will be driven by interest rate cuts, supply shortages, and…

Today, I want to talk about something that’s really flying under the radar—but it shouldn’t be. Imagine being taxed on money you haven’t actually earned. Not on rent you’ve received, not on a capital gain you’ve banked, but just on the increase in value of an asset you still hold. Sounds crazy, right? Well, that’s…

Key takeaways Migration reflects human ambition, courage, and hope, not merely bureaucracy or border policy. As Simon Kuestenmacher said: “Migration is the best indicator of human freedom.” It signals where people feel free to pursue better lives. People migrate proactively in search of more opportunity, not just to escape hardship. Every time the migration debate…

A lot of people think that success is an event. One magical, transformational event. She or he was an overnight success. We’ve all read crap like that in the media over and over again. For budding entrepreneurs out there, the expectation that you can become an overnight success plays havoc with their psyche when that…

Key takeaways We’re experiencing a structural shift in the Australian property market—not just a passing trend. Energy-efficient homes have moved from being an ethical or fringe choice to a mainstream and financially savvy investment. EE homes sell for an average of $118,000 more than non-EE homes nationally—a 14.5% uplift. In Melbourne, EE homes command a…

Have you ever wondered if property development could be your next big wealth accelerator? You’ve probably heard the success stories – investors who’ve turned modest sites into multimillion-dollar assets by building just two townhouses. But what you don’t often hear about are the sleepless nights, the missteps, the cost overruns, the unexpected council headaches, or…

We often talk about the challenges buyers face — from securing finance to entering a competitive market. But selling a property? That comes with its own set of emotional landmines. A recent survey by OpenAgent found that over 80% of Australians who sold a property in the last two years found the experience just as…

Key takeaways Melbourne’s property market is increasingly split: *Inner-city, blue-chip suburbs like Boroondara and Stonnington-West are pricing out many buyers. *In these areas, the gap between buyer budgets and asking prices exceeds $900,000. Meanwhile, outer northern and western suburbs are more in sync with buyer expectations—some even show budgets exceeding asking prices. Buyers are embracing…

Key takeaways Generation X, born between 1964 and 1981, is often referred to as Australia’s forgotten middle child. They are homeowners looking to upgrade their property while maintaining a young family and caring for older parents, and are also retirees, with the oldest of their generation set to turn 60 next year. For many Gen…

Warren Edward Buffett is an investment guru and one of the richest and most respected businessmen in the world. Here are some of his quotes: 1. If you don’t find a way to make money while you sleep, you will work until you die. 2. Look for 3 things in a person. Intelligence, Energy, &…

Key takeaways Brisbane’s house prices are rising faster than buyer budgets, especially in inner suburbs. Within 10km of the CBD, buyers are searching at around $1.1 million, but listings are $1.45 million , a $350,000 affordability gap. In premium suburbs like Brisbane Inner, Inner North, and Sherwood–Indooroopilly, this gap stretches to $800,000, pricing out many…

There are, broadly speaking, two ways to see the world and these have a great influence on how successful you become. The first is what psychologists call the “external locus of control” and the second is the “internal locus of control”. You see… as the world around you changes, you can either attribute success and…

Key takeaways With inflation now under control and interest rates likely to drop another two through or even four times over the next year, Australia’s real estate markets are moving into the next phase of the property cycle, and strategic investors are asking, “What’s the right type of investment for this stage of the cycle?”…

One day Warren Buffet was sitting in the cockpit of his plane with his pilot, Mike Flint. They were having a conversation. Flint asked Buffet what it takes to succeed. Buffet shared with him the following 3 Step Strategy for Success: STEP #1 Top 25 Goals Buffet had Flint write down his top 25 Goals. STEP #2…

Imagine this… You’ve got a strong property portfolio, you’re working hard, and the market is looking good. Then – boom – life throws you a curveball. Maybe it’s a job loss, a health issue, or a tenant stops paying rent for months. What now? Most investors panic. But the savvy ones? They just lean on…

Are you an expat considering buying an investment property in Australia? Well… you’re not alone. Since the pandemic lockdowns eased (remember those?) and our international and domestic borders reopened there has been a shift in demand across all our property markets. Buyer interest has jumped from expats flocking to Australia to escape rising social and…

Key takeaways Once accused of abandoning suburbia, millennials are now embracing it — just on a later timeline. They delayed life milestones like parenthood, which pushed back traditional housing moves. Millennials aren’t copying their parents — they’re updating the dream. They want space, community, and lifestyle — but with hip cafés, Wi-Fi in parks, and…

Aussies like their space. Always have. In fact, according to the latest data from World Population Review, Australia ranks number one in the world when it comes to average house size, coming in at a whopping 214 square metres. That’s bigger than the average home in the United States (201 m²), Canada (181 m²), or…

Smart property investors use all the legal tax rules to minimize their cash flow leakage and maximise their deductions. The government encourages property investors to provide accommodation for those who need it by offering them a range of tax benefits. While most investors know about the typical tax deductions, such as interest on loans, repairs and management fees,…

While most of us want to become rich and successful, it’s really not as easy as many suggest on social media. In today’s show Tom Corley and I explain why building wealth is a two-step process and the requirements to not only build wealth, but retain wealth. Takeaways The easiest way to grow wealth in…

Key takeaways Gentrification is a powerful force in our property markets. Knockdown-rebuild activity often precedes gentrification and capital growth, offering upside for early movers. High demolition activity often occurs in established, high-demand suburbs where vacant land is scarce. Buyers are choosing to knock down older homes and rebuild, indicating strong belief in the suburb’s future…

Why is there only a small percentage of rich people? Why are so many people poor? The experts are quick to point the finger of blame at a variety of causes: low wages, America’s shrinking manufacturing base, U.S. companies moving overseas, China stealing our jobs, illegal immigrants stealing our jobs, poor education, the rich exploiting…

Key takeaways Melbourne is on track to hit 9 million people by 2050, overtaking Sydney and becoming Australia’s largest city. This growth will demand 1.6 million new homes, 1.5 million jobs, and infrastructure that can support 10 million daily trips—an 80% jump. With all the noise—media hype, rate fears, political posturing—investors need clarity, not guesswork….

Let me share something personal with you… I almost failed English in school. That’s not an exaggeration—it’s the truth. And for years, I told myself a story:“I’m not a writer.”“I’m not smart enough to write a book.”“That’s for other people, not me.” It was a quiet story, but a convincing one. And like so many…

Key takeaways There are 11 million dwellings in Australia with a total value of over $111trillion, but not all properties make good investments. And what makes an investment grade property for me may not be a suitable investment for you – we’re probably playing different “investment games.” However there is a severe shortage of quality…

Let’s face it — managing money isn’t always intuitive. But the good news is, it doesn’t have to be complicated either. These seven simple yet powerful money lessons can shift the way you think about your finances and help set you on the path toward greater wealth and a more peaceful mind. So, let’s jump…

Key takeaways Property data often lacks the same level of reliability as share market data, so it’s important to combine data analysis with local geographical expertise. Suburb data can be less reliable than median data for capital cities, because thinly traded markets or smaller suburbs may lack sufficient data points to accurately calculate a median…

What are the biggest differences between the rich and the poor? I don’t mean the fact that the rich have more money. There is a lot more to it than that. In fact, that’s why Michael Yardney wrote his international best selling book Rich Habits Poor Habits together with Tom Corley. Their aim was to…

Key takeaways The federal government proposes taxing unrealised capital gains in super accounts over $3 million at 30%, doubling the current 15% tax. This means being taxed on asset value increases—even without selling, earning, or receiving any income from them. Get advice before making any moves—especially before altering super structures. Imagine being taxed on the…

Key takeaways We are our own worst enemy. Our anchors drag us down and everyone around us. Those anchors act like neon billboard signs that tell others: “I am an anchor who will drag you down”. Find your anchors and remove them. If you don’t, people will catch on and you will find yourself alone and…

Key takeaways We’re welcoming record migration—446,000 people last year alone—without planning for where they’ll live, work, or study. This disconnect is fuelling an engineered housing and infrastructure crisis, not just a temporary shortage. Developers aren’t the problem—they build when it makes financial sense. But rising costs, regulatory hurdles, and planning delays make affordable housing in…

Success is ultimately based on action but your beliefs determine your actions. And the big secret of the mega-successful for getting ahead is what they believe – full stop. Many people want to believe that it’s some unfair throw of the dice that makes some people succeed where so many fail, but that’s not really…

Imagine a Melbourne the size of New York City. Yes, really.That’s the trajectory we’re on. By 2050, Melbourne’s population is projected to swell to 9 million people, making it not just Australia’s biggest city by population, but potentially one of the most dynamic urban economies in the world. This isn’t some abstract urban planning fantasy—it’s…

Reason #1: Uncertain how to become rich In my five-year Rich Habits Study/Research, I learned something profound: There are 4 very specific paths to accumulating wealth: Saver/Investor Path – Save 20% or more of your income and consistently/prudently invest those savings. Big Company Climber Path – Working for a big company and climbing the ladder until…

Key takeaways Buyers assume their mortgage repayments go toward building equity. In reality, up to the first 15 years of repayments on a typical new build mostly cover government-imposed taxes and charges—not the home itself. According to HIA’s Tim Reardon, governments collect more revenue from a home sale than the builder, developer, land seller, and…

You cannot change the circumstances. But you can get stronger, wiser, better. Life is about constant, predictable patterns of change, and the only constant factor will be our feelings and attitudes toward life. We as human beings have the power of attitude and that attitude determines choice, and choice determines results. All that we are and…

Most investors think diversification is about having lots of properties. But here’s the truth: diversification isn’t about how many properties you own, it’s about what kind you own, where you own them, and when you bought them. Over the years, I’ve met investors with three well-chosen properties who are better protected and positioned for growth…

It’s common for many buyers and property investors to experience analysis paralysis when it comes to buying a property. After all, it’s a complex decision and one that has a long-term impact… especially if you get it wrong. The thing is, while due diligence is essential to make sure you know what you’re buying and…

Key takeaways For the first time since the Residential Tenancies Bond Authority began tracking data (over 20 years ago), more rental bonds are being refunded than lodged. More properties are leaving the rental pool than entering it—signalling a contraction in rental supply. Most investor-owned properties sold are not bought by renters, but by owner-occupiers. This…

Are you looking to buy an investment property or a new home? If so, deciding whether to lodge a caveat with the Land Titles Office of the state in your land is located should be one of the key considerations. A caveat can protect you from adverse claims by third parties and assist secure title…

If you bought your home 20 years ago and didn’t check its value until today, you might be stunned. In all likelihood, you’d find it had doubled in value, then doubled in value again. It’s a classic case of the power of long-term focus—where the ups and downs of the housing markets, the peaks and…

Key takeaways You’ve already beaten the odds — your existence is a 1 in 400 trillion miracle. Being born in Australia gives you privileges many in the world can only dream of. Gratitude is a superpower — recognising your luck builds resilience and opens doors. Perspective is everything — success starts by realising how lucky…

Key takeaways There is one property investing golden rule that is more important than everything else. The golden rule is that the quality of the property you invest in will determine your long-term investment returns. If you invest in an average-quality property, your long-term returns are likely to be average. Of course, if you want above-average returns, you must…

The rich are not necessarily happier than normal folk all the time, but I bet they are happier more often. That’s because money does make a difference in people’s lives. It removes a lot of our worries and allows us more time to spend with our families or on activities that make us happy. Likewise,…

Thinking about how to refinance home loan options? It’s a big step, and you probably have a lot of questions. Maybe you’ve heard friends talk about a mortgage refinance, or perhaps you’ve seen ads promising lower mortgage rates. You want to know if a refinance home loan could be the right move for you. You’ve…

When it comes to property renovations, most investors and homeowners immediately think of kitchens and bathrooms as the key areas for return on investment. However, there’s a compelling case for focusing attention on bedrooms, particularly the master bedroom, as a strategic renovation opportunity that can deliver exceptional value for money. Note: In Australia’s competitive property…

Rentvesting has become an increasingly popular strategy for wealth creation, especially as a response to the challenges of home ownership in major Australian capital cities. This approach involves renting where you desire to live while investing in property. It has emerged as an alternative to traditional home ownership, particularly with the rising issue of housing…