Saving vs. Property Investing: Which Builds Wealth Faster For many Australians, the default approach to money is to save. It’s familiar, low-risk, and often seen as the “sensible” option. But when it comes to growing long-term wealth, is saving enough? With bank interest rates often trailing behind inflation, more people are rethinking their strategy. Could investing in property—despite requiring more upfront planning—actually help build wealth faster than keeping money in a

What’s the Best Way to Invest in Property With a Low Income? Many people believe that a high salary is a prerequisite for property investing—but that’s simply not true. With the right planning, structure, and support, it’s absolutely possible to invest in property even on a modest income. The key is understanding your financial position and choosing a strategy that aligns with it. From maximising borrowing power to selecting the right property type, here’s how to make your fi

Why Buying a Home Costs More Than You Think: Hidden Expenses Explained Many first-home buyers prepare diligently by saving a deposit and calculating their loan repayments—but still find themselves surprised by how much homeownership really costs. It’s not just about the property price and the deposit. There are additional upfront, ongoing, and unexpected costs that can add thousands to your overall budget. Without proper planning, these hidden expenses can delay your purchase

Rentvesting vs Buying a Home: Which Strategy Builds More Wealth? For decades, the great Australian dream has been to buy a home, live in it, and pay it off over time. But in today’s property market, that dream is evolving—and so are the strategies to build long-term wealth. One of the most talked-about alternatives is rentvesting —renting in your preferred location while investing in a more affordable, high-growth area. It’s a model that prioritises flexibility and financial

Why Cash Flow is the Key to Long-Term Investment Success Property investors often debate whether capital growth or cash flow should be the main focus. While both are essential, cash flow is the foundation that keeps your portfolio alive . It allows you to hold your investments long enough to benefit from capital appreciation—and avoid the financial strain that forces many investors to sell too soon. The most successful portfolios aren’t built on capital growth alone. They’re

Is Property Investing Risky: What Every Smart Investor Should Know Property investing is widely viewed as a stable and proven path to building wealth. But like any investment, it comes with its own set of risks—and not understanding them can lead to costly mistakes. Many new investors either underestimate the risks or avoid investing altogether due to fear. The truth is, property can be risky if approached without research or planning. But with the right strategy, those risks

Why the Bank Thinks Your Property Is Worth Less (And What You Can Do About It) You might expect the bank’s valuation of your property to match recent sales or local demand—but often, the number comes in lower than you anticipated. It can be frustrating, especially if you’re looking to refinance or fund your next investment. The reason is simple: bank valuations and market values are not the same. While buyers focus on opportunity and emotion, lenders are focused on risk and

Property Investment: How Much Do You Need to Get Started? Many aspiring investors assume they need a large amount of savings to enter the property market. While property does require a financial commitment, getting started may be more achievable than most people realise—especially with the right strategy, support, and planning. This guide outlines the key costs of investing in property, using Victoria as an example. We’ll explore deposit requirements, additional upfront expen