If you gave a builder two different blueprints for the same house, they’d look at you like you were nuts. And yet, that’s exactly how many couples try to build wealth together. One partner wants to invest aggressively, the other wants to feel secure in a family home. One is all about the numbers, the other leads with emotion. One’s thinking equity, the other’s thinking school zones. And because they never really sit down and get on the same page, they spin their wheels for years—debating, delaying, second-guessing—and never build the life they both want.
In this episode of The Australian Property Investment Podcast, I sat down with Arjun Paliwal from InvestorKit to dive into one of the most important, yet rarely discussed, aspects of property investing: doing it as a couple. What emerged was a conversation far deeper than locations and lending structures. We talked about mindset, health, partnership dynamics, and the simple but powerful systems that separate those who scale from those who stall. If you’re in a relationship and you’re serious about building wealth through property, this is the roadmap you’ve been waiting for. Watch it here.
We kicked off the episode not with interest rates or suburb picks—but with health. And that’s no accident. Arjun opened up about a serious health scare he had last year: emergency open-heart surgery. It wasn’t planned. It wasn’t expected. But it changed everything. Coming out the other side, he dropped 30+ kilos, reset his focus, and made his wellbeing the number one priority. And rightly so—because if your health fails, your wealth doesn’t matter.
Think about it. What’s the point of a 10-property portfolio if you’re too exhausted, unwell, or mentally burnt out to enjoy it? We’ve both seen clients who’ve built impressive portfolios… but are miserable. And we’ve seen others who’ve built a sustainable life that includes both financial security and happiness. If your health—physical, mental, emotional—isn’t part of your wealth strategy, you’re missing the foundation. It’s not just about cash flow and capital growth. It’s about creating a life worth living.
You’d be surprised how many couples come through our doors earning six figures each—and yet they’re stuck on one or two properties. On paper, they’ve got it all: stable incomes, good savings, plenty of borrowing capacity. But behind the scenes? Indecision, misalignment, and emotional tension. One person wants to buy their forever home now, the other wants to keep investing. One feels anxious about debt, the other sees it as leverage. Without clarity, the strategy falls apart.
It’s not always dramatic, either. Often it’s subtle. You’ll hear things like “We were going to buy again this year, but we’re still unsure if we should buy a home first.” And just like that, another year slips by. It becomes this cycle of half-decisions and false starts. Arjun calls it “champagne taste on a beer budget”—where the desire is big but the execution never follows through.
The first step is the simplest—and the most overlooked. Sit down together and talk about your vision. Not just for the next purchase, but for your lives. What do you actually want your future to look like? What kind of lifestyle are you building? What level of income do you want in retirement? Where do you want to live? What kind of flexibility or freedom matters to you?
It sounds obvious, but most couples never take the time to really articulate this. When you set shared goals, something shifts. You move from being two individuals with separate ideas… to a team with a shared mission. You can align your strategy to that vision, and suddenly decision-making gets easier. It’s not about who’s right—it’s about what gets you closer to your agreed destination.
Once you’ve got the shared vision, the next step is structuring your roles. Think about your property journey like a business. No successful company has everyone doing everything. The CEO doesn’t run payroll. The CFO doesn’t do social media. Great businesses have clear divisions of responsibility—and great investing couples do too.
Arjun and his wife split their investing roles into macro and micro. He handles the big-picture stuff: strategy, location selection, acquisition timing. She handles execution: finance paperwork, liaising with brokers, managing insurance, organising contracts. There’s no micromanagement or double-checking—just trust. And that’s key. When each person owns their lane, you stop arguing over details and start making real progress.
Not every couple will split things the same way. Maybe your partner is the strategy person and you’re the executor. Doesn’t matter. What matters is that each person feels empowered and supported—and that no one’s stepping on toes. You’re not fighting over decisions; you’re collaborating on outcomes.
One of the biggest sources of tension for couples is the question of rentvesting versus buying a home. You know the story. One person wants stability. They want to nest, put up pictures, settle down. The other wants to chase equity and leverage into multiple properties before locking in a principal place of residence. This emotional tug-of-war can derail even the best-laid plans.
What Arjun shared was powerful. He and his wife had this exact debate. But instead of brushing it off, they broke it down. They looked at the time, cost, and stress of moving every year or two. They factored in hotel stays during transitions, removalist fees, and emotional energy. And guess what? Even with all that, renting still came out cheaper than a mortgage in their target area. More importantly, it allowed them to build their portfolio first—setting them up for a better home purchase later.
If you’re struggling with this conversation as a couple, try removing the emotion and doing the math. Run the numbers. If it makes financial sense to rent and invest, then anchor back to your shared goals. What’s more important—painting walls this year, or buying time and options for the next ten years?
Investing should not be a once-every-five-years kind of activity. The best investors operate on routine. They review their valuations yearly. They meet with their broker annually. They set KPIs—how much they want to save, how many deals they want to do, what their next purchase should achieve.
Rules matter too. Just like businesses have financial rules—buffers, budgets, reinvestment ratios—so should your portfolio. For example, you might set a rule that once your buffer exceeds $50K, the next $20K goes into a deposit. Or, you might review your properties annually and draw equity only if you’re above a certain loan-to-value threshold. These rules remove decision fatigue. They give you a roadmap so you’re not constantly asking “Should we invest again?” You already know when and why.
This is the question I hear all the time: Can I do both? Can I build a portfolio and own my dream home?
The answer is yes—but it takes discipline, sequencing, and trade-offs. For some couples, the best approach is to delay the home until the portfolio has traction. For others, it means buying a long-term family home now—but avoiding the trap of constant upgrades. As Arjun pointed out, if you’re always upgrading every few years, chasing the bigger backyard or the nicer suburb, you’re constantly resetting your mortgage and slowing your momentum.
What works better is buying a home you can comfortably live in for 10+ years, and then focusing on investment properties that deliver passive income. And don’t forget, your home is capital gains tax exempt. If you downsize later, that equity can fund a debt-free investment portfolio. So yes, it’s possible—but only with intention and planning.
Here’s the trap most high-income earners fall into: as their income goes up, so does their lifestyle. A nicer car. More holidays. An upgraded kitchen. And suddenly, the surplus cash that could have been invested gets swallowed up by consumption.
We talked about this at length in the episode. Delayed gratification isn’t about never enjoying your money—it’s about being smart with timing. Just because you can take on a $1.5M mortgage doesn’t mean you should. Just because you can buy the new BMW doesn’t mean it’s the right move now.
Discipline compounds. If you can hold off lifestyle upgrades until your portfolio is humming, the payoff is exponentially greater. And down the track, you won’t be saying no to your kids or to experiences. You’ll be saying yes—without stress.
Let’s address the elephant in the room. Can you invest successfully without using a buyer’s agent? Sure. Plenty of people do. But here’s the catch: it’s slower, harder, and riskier.
Most DIY investors take 6–12 months to buy a property. Arjun’s clients? 2–4 months. That time difference isn’t just convenience—it’s lost compounding. It’s missed capital growth. It’s the cost of inaction.
More importantly, buyer’s agents bring access. Arjun’s team secures 70% of their properties off-market. These are deals the public never sees. And because of their volume and relationships, they get first dibs on stock, better insight into price movements, and more influence with agents.
Execution matters more than education. You can read all the reports and listen to all the podcasts—but if you don’t act, nothing changes.
At the end of the day, property is just a tool. The real wealth is clarity.
Clarity about what you want.
Clarity about your timeline.
Clarity with your partner.
Clarity in your strategy.
Clarity in your next move.
When you and your partner get aligned—really aligned—everything else becomes easier. You’ll stop second-guessing. You’ll stop stalling. And you’ll start building something that truly reflects the life you want to live.
If you take one thing away from this episode, let it be this: the most important real estate you can ever develop is the space between your ears. Because when your mindset is strong, your vision is clear, and your partnership is united—there’s no limit to what you can build.
Join the Property Accelerator—our free investor community built for action-takers who want to surround themselves with the right people. DM us “Accelerator” on Instagram or LinkedIn to join.
Talk to our award-winning team at Atelier Wealth. We’ll help you get clear, confident, and on the move—without the stress or confusion
Every investor wants the edge. The suburb no one’s talking about. The golden postcode with explosive growth. The off-market deal that turns $50K into $500K. But after nearly a decade as a mortgage broker with a front-row seat to thousands of transactions… I can confidently say this:
The greatest hotspot for property investment in Australia is not on any map. It’s in your mindset.
That’s right. The most undervalued, underdeveloped, and underutilised piece of real estate? It’s between your ears.
This episode is your wake-up call. If you’ve been sitting on the sidelines, stuck at one property, or spinning your wheels waiting for the “perfect time”—then what follows could change everything.
Let me walk you through my 10-point blueprint to investing in yourself first—so you can grow your property portfolio with clarity, resilience, and real wealth. Watch it here.
Want to know what every seasoned investor, top athlete, and high-performing businessperson has in common?
They’ve done hard things.
The most transformative moments in my life—whether it was launching Atelier Wealth, scaling to multiple properties, or speaking on national stages—started with discomfort. And honestly? That’s where the real growth lives.
I’ve said this in front of 1,000+ brokers across the country: comfort is the enemy of progress.
Whether you’re buying your first property or your fifteenth, there will be fear. There will be self-doubt. And there will be challenges. But each time you push through, you level up—not just your portfolio, but your mindset.
I learned this the hard way—lugging sandbags up sand dunes during a Commando-style boot camp. I thought I was being smart, only filling my bag 70%. But one of the instructors clocked it and said, “How you do anything is how you do everything.”
That slapped me in the face—and it stuck.
In property, I see it all the time: people chasing silver bullets. Buying through exotic structures. Hunting for the next “hotspot.” Trying to fast-track results without putting in the reps.
But here’s the truth: there are no shortcuts to building a solid property portfolio.
Smart strategy. The right finance. Buying boring fundamentals. Rinse and repeat. That’s how the long-term players win.
If no one around you is doing what you’re trying to do, it’s going to feel lonely—and hard.
I’ve been lucky to spend time with some of Australia’s wealthiest investors. One dinner at a $28 million mansion in Brisbane changed the game for me. The owner, a former refugee, didn’t flaunt his wealth. He shared how he built it—step by step, through property, from absolutely nothing.
That dinner wasn’t just inspiring. It expanded what I believed was possible.
You can’t become what you’ve never seen modeled. That’s why mentorship, community, and proximity to success matter. Surround yourself with people who’ve done it—or are on the same path.
Let me keep it real: property investing can be stressful. Rates rise. Tenants move out. Hot water systems fail. And just when you’re ready to go again, a lender throws you a curveball.
But guess what?
That pressure means you’re in the game.
Pressure is a privilege. It means you’re not sitting in the stands—you’re on the field.
If you’re lucky enough to own one, two, or more properties in Australia, you’re already ahead of 90% of the population. And if you’re chasing six or more? You’re in the top 1%.
Your problems are champagne problems. The key is learning how to manage pressure—not run from it.
So many investors come from a place of fear.
Fair questions. But here’s a better one:
What if it works?
What if this next purchase sets up your retirement? What if you build generational wealth? What if your kids grow up with a new financial blueprint because you broke the cycle?
Fear and caution have their place. But if they stop you from taking action, they’re costing you more than they’re protecting you.
This one might sting a little.
Over the years, I’ve had hundreds of people book in for loan strategy sessions… only to do nothing.
Three years later, they return saying, “I wish I’d bought when we first spoke.”
I don’t say that with judgment. But it proves a point: the market rewards action, not analysis paralysis.
Are you an investor? Or just someone who likes the idea of investing?
Don’t just talk about building wealth. Make moves. Meet the broker. Call the buyer’s agent. Book the inspection. Submit the offer.
Building wealth isn’t about big bursts of effort—it’s about showing up consistently over time.
Here’s a stat that blew my mind: 90% of podcasters quit before episode 3. Of those who make it past 3, 90% quit before episode 20.
We just hit Episode 202.
That’s what resilience looks like. That’s what building a portfolio looks like too.
It’s easy to buy one property. Two, maybe. But to get to 5, 6, or 10+? You need a plan. You need grit. And you need to keep going when others quit.
One of the most common things I hear from clients is: “No one in my life gets it.”
That’s exactly why I launched the Property Accelerator community. A space where goal-driven investors can grow together—share wins, ask questions, and stay accountable.
Success isn’t a solo sport. If your inner circle thinks you’re crazy for buying another property… it might be time to find a new circle.
You don’t have to do this alone. Join a community that matches your ambition.
Success shouldn’t come as a surprise. If you want a 10-property portfolio, you’ve got to act like the kind of person who builds a 10-property portfolio.
You need:
I highly recommend Atomic Habits by James Clear and Mindset by Carol Dweck. They’re both practical roadmaps to building a stronger you.
Because the person you are today won’t get you to where you want to be tomorrow. You need to evolve. And the best part? You can.
This episode wasn’t about a hot suburb. It wasn’t about yields, offsets, or capital gains. It was about the real work—the internal work—that drives external results.
So now it’s over to you.
👉 Will you invest in your mindset? 👉 Will you take action on your goals? 👉 Will you surround yourself with people who lift you higher?
Because if you’ve read this far, I know one thing: you’re serious.
People will borrow $40K at 12% for a car. But won’t invest $2K into a course, a mentor, or personal development.
People complain about 6% investment loan rates—but don’t blink at paying $130 for car detailing.
Let that sink in.
If you’re not investing in the one thing that drives all your income—you—then you’re missing the highest ROI play there is.
I call it wealth-being: the intersection of your health, mindset, and financial future.
You want a better portfolio? Start by being a better investor. Start by investing in yourself.
🎯 Join the Property Accelerator: DM “Property Accelerator” on LinkedIn or Instagram and we’ll get you into the community.
💰 Need a lending strategy that matches your ambition?
Book a strategy session with the team at Atelier Wealth.
Let’s build your wealth—between your ears and beyond.
As the Australian property market heads into a new phase, investor sentiment is shifting—but confusion remains. With rate cuts finally on the table, political noise getting louder, and headlines declaring everything from a housing crash to a new boom, many buyers are asking the same question:
“What should I do next?”
In Episode 201 of the Australian Property Investment Podcast, Aaron Christie-David sits down with one of the most trusted voices in the industry—Michael Yardney—to unpack exactly that.
Michael’s no stranger to long-term investing. With over five decades of property experience, a blog ranked among the top 50 worldwide, and an empire that spans residential, commercial, and development assets, he offers a rare combination of insight, data, and lived experience.
Here’s what they uncovered—and why 2025 may look very different to what the so-called experts are predicting. Watch the full episode here.
Michael opens with a strong statement: most predictions will be wrong.
It’s not that experts don’t have the tools. They’ve got access to interest rate models, population data, housing supply pipelines, and macroeconomic forecasts. But they’re missing the one variable that changes everything: human behaviour.
“Investor sentiment is what really moves the market—and it’s impossible to quantify.”
Michael argues that while it’s easy to track things like wage growth or building approvals, it’s far harder to predict how confident Australians will feel in 3, 6, or 12 months’ time. And yet, it’s that confidence that drives action. Buyers don’t wait for the perfect rate—they act when they feel safe.
In short? Don’t wait for the experts to call the bottom or the top. They’re usually wrong. Instead, build a plan that allows you to move with confidence, regardless of where the market’s at.
In a line that sums up his whole philosophy, Michael says:
“Predicting rain doesn’t count—building an ark does.”
What he means is this: market ups and downs are inevitable. The smart investors aren’t the ones who try to time every rise or fall—they’re the ones who build resilience into their portfolios. That means:
At Atelier Wealth, we’ve always championed this strategic approach. Rate cuts and lending tweaks might spark a short-term surge, but your long-term success depends on having the right structures and a portfolio built to withstand the storms.
Following the first RBA rate cut since 2020, confidence has started to creep back into the market. And while the financial benefits of a 0.25% drop might seem small, the psychological shift is significant.
“It’s not the rate cut—it’s what the rate cut signals,” Aaron explains.
Michael agrees. With each policy move—whether it’s loosening of APRA’s buffers, government incentives, or rate cuts—more Australians feel ready to act. Not because their borrowing power suddenly doubles, but because they’re no longer frozen by fear.
This is how markets turn. Not overnight. Not with a headline. But with a slow, steady return of confidence.
Let’s be clear—Michael doesn’t chase hotspots. He doesn’t gamble on speculative mining towns or chase short-term yield. His strategy is timeless: buy in gentrifying, middle-ring suburbs in major capital cities, where demographic trends support long-term growth.
“Don’t buy in the cheapest areas,” he warns. “Buy in locations where tenants have the capacity to pay more rent over time.”
Affluent renters, dual-income households, and lifestyle-friendly suburbs are where your cash flow and capital growth will align.
As we head toward another federal election, some buyers are pausing their property plans. But Michael sees this as a mistake:
“Businesses don’t wait. Life doesn’t wait. Why should you?”
Unless a party is proposing a significant tax overhaul (like Labor’s capital gains tax shakeup in 2019), there’s little reason to let politics put your future on hold. And the truth is, most election policies are more rhetoric than reality.
Waiting “just to see” often results in missed opportunities—and buyers who sat out the last cycle know this all too well.
The discussion turns to how market momentum really builds. It’s not one thing—it’s the flywheel effect.
And the cycle builds. That’s why, as Aaron points out, the real price surges come not when rates fall, but when lending policy changes allow more buyers to act.
That’s the “horse bolting” moment.
Michael shares a concept that every investor should embrace:
“You need two businesses: one for cash flow, one for capital growth.”
But here’s the kicker: most people ignore the first and obsess over the second.
“The more you earn, the more you can invest. You are your greatest asset,” says Aaron.
Want to build wealth faster? Don’t just pick better properties—build a stronger income. Invest in your career, business, or side hustle so you can buy better assets sooner.
Too many people think buying a property is the strategy. Michael flips this.
“Buying a property is not a plan. It’s just one part of the plan.”
The real wealth-building journey includes:
Aaron notes: couples who don’t align on their financial strategy often get stuck, because one person is pushing while the other is catching up. Your success in property hinges on having clarity together.
This part hits home.
Most investors will insure their car, but not their own income. Michael warns this is short-sighted.
“If you earn $200k a year, that’s $4 million over 20 years. That’s your real asset—protect it.”
At Atelier Wealth, we’ve seen firsthand how important insurance, structures, and strategy are as portfolios grow. Risk isn’t just about the market falling. It’s about job loss, health shocks, or partnership breakdowns derailing your future.
“Your insurance needs to reflect your level of sophistication and debt,” Aaron adds.
This is especially critical as your income grows, your equity increases, and your dependents (kids, business, aging parents) increase too.
Michael doesn’t sugarcoat the stats:
Why? No strategy. No support. No patience.
“Don’t do what most investors do. If you follow the herd, you’ll get herd results.”
The ones who succeed?
Invest in education and mentorship, not just properties.
If there’s one message to walk away with from this episode, it’s this:
“Property is a game of finance—with some houses thrown in the middle.”
The winners aren’t the ones who chase the next shiny suburb or try to time the bottom. They’re the ones who understand the numbers, master the strategy, and keep showing up year after year.
And in a market like 2025—filled with headlines, uncertainty, and noise—that’s never been more important.
Whether you’re just getting started or already have a property portfolio, we’re here to help.
At Atelier Wealth, we help you: ✅ Get crystal clear on your borrowing power
✅ Build a strategy that suits your goals
✅ Select the right property for your life stage
✅ Protect your income and assets with the right structures
📞 Contact us to book a strategy session with our lending experts.
Australia has waited over three years for this moment: the Reserve Bank of Australia has finally cut interest rates.
On the surface, a 0.25% drop may seem modest. But for property owners, investors, and aspiring buyers alike, this small percentage could represent a massive shift in opportunity. For some, it will mean hundreds in monthly savings. For others, tens of thousands in extra borrowing capacity. For everyone? A change in sentiment that might just mark the beginning of the next property upswing.
So what does it all mean—and what should you do about it?
Let’s break it down. Watch the full. episode here.
The Reserve Bank’s February 2025 announcement marks its first interest rate cut since the height of the pandemic. With inflation easing to 3.2%, and household spending clearly curbed, this decision was both expected and urgently needed.
Cost of living and housing affordability are top-of-mind issues for Australians. With a federal election on the horizon, it was widely speculated that the government needed a financial win for households. This rate cut provided it.
And while the move has already stirred excitement among mortgage holders, it has broader implications for both market sentiment and strategy.
This is the question on every mortgage holder’s lips. The good news: real savings are on the table. Here’s how much monthly repayments could drop, based on your loan size:
Sure, it’s not enough to fund a luxury holiday. But in an environment of grocery inflation and budget tightening, it’s meaningful relief—especially for families doing it tough.
Important Tip: Not all banks automatically reduce your repayments. Some will keep your repayments unchanged, simply shortening your loan term. If you need that cash flow, contact your lender or broker ASAP to:
At Atelier Wealth, this is already in motion for our clients.
Confidence is often the true catalyst for property growth.
In the lead-up to this rate cut, our team saw a major uptick in buyer activity. Clients reached out, reactivated strategies, and in many cases moved quickly to buy ahead of the cut.
This reflects a broader truth: Australians are no longer in wait-and-see mode. The moment the RBA hinted at easing, the market stirred. With further cuts forecasted (some major banks are tipping up to four more in 2025), the broader mood is shifting from cautious to confident.
And that confidence? It’s contagious—and competitive.
This 0.25% rate cut isn’t just about saving money—it boosts what lenders will allow you to borrow. Let’s look at the numbers:
The math is simple: every 1% drop in interest rates gives back around half your income in borrowing capacity.
This is game-changing for:
But here’s the kicker: property prices are likely to outpace these borrowing boosts.
In fact, CoreLogic’s recent insights predict some areas could see price increases of up to 19% from a 1% rate cut.
So while your borrowing may rise by $50K or $100K, property prices might jump by even more.
What does this mean in real terms?
If you’re waiting for affordability to improve, you’re running uphill. Waiting won’t help you save fast enough to match rising values. And once investor and FHB demand heat up (as it already is), you’ll be competing in a tighter, faster-moving market.
Beyond interest rates, one of the biggest levers affecting borrowing power is HECS debt.
With mounting public pressure, the government is considering removing HECS from borrowing assessments. If they do? Expect a massive flood of FHBs into the market.
That makes now an ideal window to act before policy changes push demand (and prices) even higher.
Credit cards are another silent killer. Even unused, a $10,000 limit can reduce borrowing capacity by tens of thousands. And interest rates on credit cards don’t fall with the RBA.
Our advice:
With a rate cut, rising sentiment, and potential HECS and super policies in the works, first-home buyers are uniquely positioned to make moves.
But here’s the caveat: you won’t be the only one.
When the government announces schemes or changes like:
…prices surge almost overnight. We saw it with past grants, and we’ll see it again.
So if you’re in a position to buy now—do it before the crowd arrives.
Forget the Sydney-Melbourne headlines. Here’s what the CoreLogic February 2025 Chart Pack shows:
Regional NSW areas like Newcastle, Shoalhaven, the South Coast and Central Coast are seeing strong demand from buyers chasing lifestyle, space, and affordability.
And with more families questioning inner-city livability (think traffic, density, development), expect this trend to continue.
Let’s not forget one of the biggest elephants in the room: supply.
The Federal Government pledged to build 1.2 million new homes by 2030. But we’re not on track. Current projections fall short by at least 200,000 dwellings.
When you:
…you get one outcome: prices rise.
With changing lending conditions, we’re seeing a rise in smart, creative strategies:
We’re also seeing a surge in interest around commercial property in 2025, with many seasoned investors diversifying from residential.
The bottom line? There are options—you just need the right advice.
There are two paths we see clients taking:
In either case, we’re here to help. DM us or book a session to map your next move.
Lastly, we’re launching a brand-new investor network (formerly Property Powerhouse – new name pending!).
This isn’t a passive Facebook group. It’s a place to:
If you’re planning to buy your first or fifth property this year, we want you in.
DM us “community” and we’ll send you the invite.
2025 has kicked off with a bang. The RBA rate cut is the first domino in what could be a major shift in the market.
You can:
Because the market is moving, whether you’re in or not.
If you’re ready to:
Let’s talk.
Book your Atelier Wealth strategy call today. Let’s build a plan that puts you in the driver’s seat for 2025 and beyond.
Running a business and building a property portfolio may look like two separate tracks—but in truth, they share more similarities than most realise. Both require strategic thinking. Both rely on smart use of cash flow. And both reward those who think long-term, not just short-term tax savings.
In this episode of the Australian Property Investment Podcast, host Aaron Christie-David sits down again with Andy Teece, Director of SAAB & Teece & Co., to unpack the intersections between business ownership, property investing, tax structuring, and future-focused planning. Watch the full episode here.
Andy brings decades of accounting experience to the table, having worked in a family firm that spans three generations. He knows what it looks like when business owners and investors get it right—and where they often go wrong.
In this blog, we’ll break down the key insights from the episode, giving you a fresh lens on how to run your portfolio like a business, avoid the biggest tax traps, and create real momentum in your financial life—whether you’re a business owner or a high-performing employee.
Andy opens the episode by sharing a common thread he sees among successful clients: they treat their finances like they would a business.
They review performance, adjust strategy, and make informed decisions rather than reactive ones. Whether it’s buying property, paying down debt, or restructuring loans—there’s planning behind the moves.
“People think of investing as something you do outside of your main job. But if you own even two properties, you’re running a business. You’ve got cash flow, risk, overheads, and performance to track. So why not run it like one?” — Aaron Christie-David
Many investors don’t see it that way—especially business owners who already feel maxed out. But Andy argues that separating your personal wealth from your business priorities is essential if you want both to thrive.
This one hit home for a lot of listeners.
Andy and Aaron discuss how many business owners spend years building their company—pouring in time, money, and mental load—without seeing a comparable wealth return. Meanwhile, someone on a PAYG income can buy a couple of properties, let the market (and compound interest) do the heavy lifting, and build wealth with fewer late nights and lower stress.
“We’ve seen clients work themselves into the ground for years to break even. But if they’d put that energy into a simple, scalable property strategy, they might’ve been better off. It’s a tough thing to admit.” — Andy Teece
The lesson isn’t to abandon your business—it’s to step back and assess whether it’s generating long-term wealth or just keeping you busy. And if it’s not working? Maybe it’s time to pivot or diversify.
There’s no denying Aussies love a good tax deduction. But Andy warns that obsessing over tax minimisation can be counterproductive—especially if it’s at the expense of borrowing power and future growth.
“We treat tax like a national sport. But if minimising tax is costing you cash flow and lowering your reported income, you’re potentially cutting off your ability to borrow and grow.” — Andy Teece
Aaron adds that the same goes for mortgage broking. Chasing the lowest rate or trying to avoid LMI (lender’s mortgage insurance) might seem like wins—but not if it means delaying action, missing growth, or using up cash reserves.
Their advice? Tax strategy should be part of the plan—but not the whole plan. Especially in your 30s and 40s, your focus should be on building—not just preserving.
Think AI is just a tech buzzword? Andy doesn’t.
In one of the most practical segments, he shares how he’s already using ChatGPT to summarise complex tax scenarios, break down correspondence between clients and lawyers, and even sanity-check advice.
“I put the full tax conversation into ChatGPT and asked it to flag key risks, summarise points, and identify any unclear areas. It did a brilliant job. Then I could add my insights on top of that.” — Andy Teece
Aaron adds how investors can use AI tools like Gemini or ChatGPT to:
The message? Don’t be afraid to start small. Use AI to save time, run numbers, and explore scenarios—not to replace human advice, but to enhance it.
Land tax isn’t the most exciting topic, but if you’re building a portfolio—it matters. A lot.
Andy breaks down the differences between land tax thresholds across states, and how ownership structure affects what you pay.
“We love trusts for tax streaming, but they come at a cost—especially in states like NSW where they get hit with land tax from dollar one.” — Andy Teece
Many investors hear blanket advice like “just buy through a trust,” but the reality is far more nuanced. The right entity depends on your location, yield, borrowing strategy, and long-term goals.
💡 Pro tip: A poorly structured purchase could cost you thousands per year in tax—or limit your ability to leverage further. Always speak to both your broker and accountant before signing the contract.
Andy shared one of the most underrated insights in the episode: the power of pre-made decisions.
He recommends that investors and business owners set decision-making rules in advance. For example:
That removes emotional decision-making in high-stress periods—and creates clarity around next steps.
“So many people say, ‘Let’s give it another 6 months,’ and 6 becomes 12… becomes 5 years. Having timelines and review points keeps you honest.” — Andy Teece
Whether it’s your next purchase or business milestone, writing down those decisions ahead of time is a game-changer.
Aaron closes the episode by reflecting on how important it is for couples to align on money, even if one person is more financially inclined.
Whether it’s doing a quarterly finance date at a café, a short getaway to talk strategy, or bringing a partner along to meetings—it matters.
“If you’re 50 podcast episodes in and your partner’s not, give them time to catch up. Don’t just drop them into a Zoom with a broker or buyer’s agent and expect them to feel safe. This is a shared journey.” — Aaron Christie-Davi
There’s no denying that property investing, like business ownership, comes with complexity. But complexity isn’t a reason to pause—it’s a reason to plan.
The most successful clients we work with aren’t the ones who make perfect decisions. They’re the ones who ask good questions, get the right people in their corner, and stay open to evolving the plan as life changes.
And whether it’s navigating land tax, reassessing your trust structure, planning for retirement, or preparing for your next acquisition—the time to act is now.
Whether you’re self-employed, PAYG, or somewhere in between—our team at Atelier Wealth can help you navigate lending with clarity and confidence.
💼 For lending strategy, loan structuring, or borrowing power reviews:
👉 Book a call with Atelier Wealth
📊 For tax planning, trust advice, or business structure reviews:
👉 Contact Andy Teece and the team at SAAB & Teece & Co
You don’t have to do this alone—and you shouldn’t.
As the new year rolls in, property investors across the country are asking the same question: Where is the market heading in 2025? Amid the usual media noise, shifting sentiments, and “hotspot” hysteria, it’s refreshing—and rare—to hear from someone who doesn’t just make predictions, but holds themselves accountable for them.
In our first Australian Property Investment Podcast episode of the year, Aaron Christie-David sat down with Simon Pressley, Head of Research at Propertyology, Hall of Famer, and one of the most respected voices in real estate, for an honest, evidence-backed breakdown of what’s happening in the property market—and what’s coming. Watch the full episode here.
Before diving into the 2025 outlook, we revisited Simon’s 2024 forecasts, which he boldly published a year ago. His projections weren’t based on vibes or media headlines, but on deep research into economic fundamentals, housing supply and demand, and buyer behaviour.
Here’s how Simon’s predictions compared to actual performance (based on CoreLogic data):
City | Simon’s Forecast | Actual Growth (2024) | Verdict |
Perth | 13% – 18% | 19.1% | ✅ Nailed it |
Brisbane | 9% – 13% | 11% | ✅ On point |
Adelaide | 8% – 12% | 13% | ✅ Close |
Sydney | 3% – 7% | 2% | ⚠ Slight miss |
Melbourne | 0% – 3% | -3% | ❌ Miss |
Canberra | 1% – 2% | ~1% | ✅ Accurate |
Darwin | 3% – 6% | <1% | ❌ Miss |
Hobart | 2% – 4% | -1% | ⚠ Slight miss |
With most cities falling squarely within or near his forecast ranges, Simon’s track record is hard to ignore. But more importantly, he doesn’t just get the numbers right—he explains why the market behaves the way it does.
Right off the bat, Simon reminded us of a key principle that too many forget: you can’t control interest rates.
“I say to my clients, property’s a long-term game. Rates are going to go up and down a dozen times over your investment lifetime. So why waste time trying to predict the RBA’s every move?”
This long-term perspective is what separates seasoned investors from reactive ones. As Simon puts it, too many people burn energy on micro-movements when they should be focused on macro trends and structural fundamentals.
While Perth topped the nation with nearly 20% growth last year, Simon and his team didn’t buy there—on purpose.
Why?
Because risk isn’t about location size or popularity—it’s about economic volatility. Perth, he explained, is Australia’s most volatile property market, largely due to its heavy reliance on mining royalties. When commodity prices fall, so does state revenue, impacting jobs, infrastructure spending, and ultimately buyer confidence.
Instead of chasing short-term booms, Simon focuses on sustainable performance over the long haul. His approach is a masterclass in long-term thinking: don’t just buy the hype—buy the fundamentals.
When asked whether Melbourne’s downturn represents a buying opportunity, Simon didn’t hold back.
“Anyone investing in Melbourne now is either operating on unhealthy confirmation bias or wishful thinking,” he said.
Despite record-breaking population growth from overseas migration, Melbourne has become Australia’s worst-performing property market over the past five years. The issues? Poor economic management, high state debt, restrictive rental legislation, and heavy taxes. His message was clear: don’t confuse affordability with opportunity.
Simon’s research process is relentless. While many obsess over interest rates or population data, Propertyology’s methodology hinges on one key driver:
“Local economic performance is always the biggest influence on property market performance.”
That means diving into local job creation, infrastructure projects, council planning, supply pipelines, and even business expansion announcements—none of which make it into flashy headlines.
It’s slow, unglamorous work. But it’s also the difference between speculative investing and informed decisions.
Simon’s 2025 report looked at 25 of Australia’s largest cities, forecasting double-digit growth in 11 of them. His boldest call? Townsville, with an anticipated growth of up to 30% this year.
He points to major infrastructure investment, a diversified economy (health, defence, education, logistics), and a severe housing shortage as the key drivers behind its momentum.
That said, he reminds investors that these aren’t blanket recommendations:
“Out of the 25 cities we profiled, we’re only actively buying in two of them. The rest of our work is in other, lesser-known markets you’ve probably never considered.”
One theme that came up repeatedly: the trend toward yield-chasing. With interest rates high, many investors are looking to squeeze every dollar by turning to:
While the cash flow might seem attractive, Simon cautions against sacrificing long-term capital growth.
“If you want a great return, you need an asset that the biggest number of future buyers will want. Seven out of ten buyers are families. And families don’t want a duplex, rooming house, or a house with a concrete box out the back.”
It’s a clear message: play the long game. Invest in quality assets that appeal to owner-occupiers, not just for today’s rent, but for tomorrow’s capital growth.
Simon’s take is refreshingly simple:
“The best time to invest is the moment you can afford to. If you wait for perfect timing, you’ll miss years of growth.”
In a time where headlines shout doom and gloom one day and boom the next, Simon’s grounded, fact-based outlook is a much-needed anchor.
✅ Don’t chase trends—chase fundamentals
✅ Local economies drive markets, not interest rates or hype
✅ Capital growth beats cash flow gimmicks over the long term
✅ Diversify across cities and states—don’t double down on where you live
✅ Property markets don’t “bounce”—don’t wait for your city to “be due”
Whether you’re sitting on the sidelines or looking to grow your portfolio, now’s the time to lean into long-term thinking and surround yourself with the right people.
📥 Download the 2025 Market Outlook from Propertyology
📩 Want a copy of The Happy Home Loan Handbook? Contact us and we’ll send one your way, free.
Let’s make 2025 your year of confident, considered investing. Contact us today.
There’s something about the start of a new year that pushes us to pause, reflect, and reset. And that’s exactly how we kicked off 2025 on the Australian Property Investment Podcast—with an honest, energising conversation between Aaron Christie-David and his left and right-hand men, Damien Walker and Nate Condie, in an episode that delivered on mindset, mortgage myths, and moving forward.
This wasn’t your standard property chat. It was a powerful blend of personal reflection, professional insight, and practical tools to help you navigate the year ahead—whether you’re buying your first home, your fifth investment property, or simply trying to make sense of the finance noise. Watch the full episode here.
Let’s dive into the key takeaways from this value-packed episode.
Before the brokers even touched a mortgage myth, they started where all good planning does—with intention.
Aaron shared his 2025 Vision Board, and how he’s mapped out goals across key life categories:
And here’s the kicker: this isn’t just about dreaming. It’s about planning, executing, and tracking.
“A goal without a plan is just a wish. The property market rewards action-takers and decision-makers.” – Aaron
So if you’re feeling stuck or unclear about 2025, start here: get your goals out of your head and onto paper (or screen). Make them visible—on your desk, bathroom mirror, or phone wallpaper—and revisit them often.
Aaron shared a powerful analogy: the eagle raised among chickens. Despite having the potential to soar, the eagle never left the ground—because it believed it was just another chicken.
The message?
Environment is everything. If you surround yourself with people who doubt the market, fear investing, or don’t believe in your goals—it’s going to clip your wings.
That’s why Aaron is launching Property Accelerator in 2025—a peer-to-peer community of investors who are serious about their goals, hungry to grow, and committed to keeping each other accountable.
This group will meet monthly, share wins and challenges, and hear from special guests in the property and finance world. It’ll be a paid membership—because what you pay for, you value—and Rachel (yes, you!) is set to help run the show.
Interested? Email or DM “Property Accelerator” to get involved.
A surprising takeaway? Change your digital diet.
Aaron challenged listeners to be intentional with what they consume online. From YouTube to TikTok, the content you scroll shapes your energy, beliefs, and focus.
“Feed your mind the good stuff. Follow creators and educators who lift you up, expand your thinking, and keep you aligned to your goals.”
For couples, one of the biggest friction points is financial misalignment. One partner might be gung-ho on investing, while the other is feeling hesitant, confused, or simply left out.
Aaron’s advice?
Schedule time to connect on your financial vision. Ask: What do we want to achieve this year? How do we get there together?
Now to the meaty stuff. The trio tackled 11 of the most common mortgage myths, and the truth might surprise you.
False. Some major banks will approve loans on your first day—you just need a contract or one payslip.
False. A $10,000 limit can reduce your borrowing by $50–60K. Don’t let points cost you property.
False. They’re often more flexible, and many are backed by the government guarantee scheme.
Nope. 10% (or even 5%) is enough in many cases. And LMI (Lender’s Mortgage Insurance) is not a waste—it’s an enabler that gets you into the market sooner.
Not always. Unless your deal is high risk (e.g., high LVR), most banks only check for major red flags.
Unfortunately, there’s no “loyalty bonus”—only the loyalty tax. Always review your loan and negotiate.
Definitely not. Income shading, living expenses, bonuses, and policy quirks vary widely. That’s why brokers exist!
It’s more documentation, not more difficult. Some banks now accept 6-month salary patterns or one tax return.
Age doesn’t matter—exit strategy does. A 72-year-old got a 30-year loan last year. Seriously.
Maybe in the very short term. But rent rises, repayments stabilise, and ownership builds equity.
Ironically? No. The process is still highly manual. A real human assesses your loan, and turnaround times remain slow.
If there’s one consistent message throughout the episode, it’s this:
The market doesn’t reward watchers. It rewards action-takers.
Whether you’re saving your first deposit, building a multi-property portfolio, or just getting your head around mortgage basics—2025 offers a fresh slate.
✅ Set your goals
✅ Build your vision board
✅ Join a community
✅ Cut through the myths
✅ Take the first step
And if you’re not sure where to start, reach out. We’re here to help you move with clarity, confidence, and strategy.
📩 Want help mapping your 2025 goals? Drop us a message.
📚 Keen to join Property Accelerator? Let us know.
Here’s to a year of focus, action, and property progress.
In one of the most personal and powerful episodes of the Australian Property Investment Podcast, host Aaron Christie-David brings on someone very close to home — his younger brother, Shaun Christie-David.
Shaun isn’t just family. He’s a force. And in this episode, we get a rare, behind-the-scenes look at the mindset that’s driven one of Australia’s most innovative social entrepreneurs to national recognition, royal honours, and a Stanford scholarship — all within five years of starting his first restaurant.
But more than that, this episode is about something deeper: resilience, purpose, and what it means to stay the course when the world is telling you to turn back. Watch the full episode here.
If you’d met Shaun five years ago, he was working in finance. No hospitality background, no venues, no awards. Just a big vision and a stubborn refusal to let go of it. That vision? To use food as a vehicle for social change.
Today, Shaun is the founder of Plate It Forward, a hospitality group that includes Colombo Social, Kabul Social, and Kyiv Social — three venues that are just as known for their community impact as they are for their food.
Through these venues, Shaun and his team have employed hundreds of refugees, asylum seekers, and those traditionally excluded from the workforce. They’ve served over 660,000 donated meals, with food being prepped and cooked by the same people being empowered through training and employment.
As Aaron puts it in the episode, “You can tell the importance of someone by the size of their problems.”
And Shaun’s problems aren’t small. Rising costs, staff pressures, the reality of running a business in hospitality post-COVID — all of it comes at a price. But Shaun’s clarity of mission means he continues to thrive, even when many would have pulled back. For him, feeding 3,000 people a week isn’t a vanity metric. It’s a commitment written into his company’s constitution.
The two brothers reflect on what they call the “success tax” — the emotional and physical toll that comes with chasing something meaningful. It’s a stark reminder that on social media, all we see is the highlight reel. What we don’t see are the sleepless nights, the failed venues, the quiet sacrifices, and the strain on family life.
And yet, Shaun remains grounded. “The loudest voice we all have is the inner critic,” he shares. “Once you learn to squash that, everything else becomes background noise.”
While this episode may not be about interest rates, LVRs, or trust structures, its relevance to investors is undeniable.
Because at the heart of every successful investment journey is mindset. It’s the ability to swim upstream, to push forward when everyone else is pulling back, to build a vision that no one else can see — and to keep building, even when the outcome is uncertain.
Aaron draws a parallel here for property investors: “You might be on your first property, and your dream is to own five. People around you might laugh or say it’s unrealistic. But just like Shaun building a restaurant from scratch, you need to back yourself before anyone else will.”
This is the intangible magic that separates those who succeed from those who stall: vision, grit, and the ability to keep going when doubt is the only thing that feels certain.
One of the most poignant moments in the podcast is when Aaron tells Shaun, “The journey you’re on isn’t about you. It’s to inspire others.”
Shaun had always shied away from recognition, thinking it was ego-driven. But once he saw the impact his visibility could have — particularly on younger people of colour, or those from migrant backgrounds — he stepped into the spotlight, not for himself, but for those who needed to see what was possible.
That’s a powerful lesson for investors, business owners, and anyone creating something that’s never existed in their circles before. Representation matters. And when you become a visible example of what’s possible, you open doors for those who never even knew there was a path.
Shaun openly shares the hard-earned lessons from trying to scale too fast. He admits he once believed that if he touched something, it would turn to gold. That early success — particularly with Colombo Social, which was the most Googled restaurant in Australia for three months straight — gave him a false sense of invincibility.
What followed were failed venues, expensive mistakes, and a brutal realisation: scale only works when your foundations are solid.
That applies just as much to property as it does to hospitality. Without the right team, the right structures, and the right mindset, growth becomes a burden instead of a blessing.
The episode ends with a powerful reframing: that wealth is only meaningful if it aligns with your version of freedom.
For Shaun, that means the freedom to spend slow Saturdays with his mum. For Aaron, it’s the ability to help families buy their first home. For you, it could be time, security, flexibility — whatever matters most to you.
But defining that version of success is key. Because otherwise, you risk chasing numbers that won’t actually make you happier. As Shaun says, “An arbitrary number isn’t freedom. Freedom is waking up and doing what you love — with the people you love.”
You’ve probably heard that compounding is the eighth wonder of the world. Most people think that only applies to interest.
But this episode shows us that compound actions — the small, consistent, values-driven choices you make every day — are what build real legacy.
Shaun’s journey is living proof that purpose and profit aren’t mutually exclusive. That hospitality can be more than food. That investing can be more than numbers. And that, sometimes, the biggest returns come not from what we get, but from what we give.
Listen to the full episode of the Australian Property Investment Podcast with Shaun Christie-David wherever you get your podcasts. If you’ve been inspired by this episode, share it with someone who needs a reminder that the biggest dreams often come from the humblest beginnings — and that success isn’t what you have, but what you do with it.
As the year winds down and the festive season takes hold, the team at Atelier Wealth took a moment to hit pause, reflect, and reset. For our final podcast episode of 2024, Aaron Christie-David and his wife and business partner, Bernadette, invited listeners into their home—not just as a change of scenery, but as a deliberate choice to bring you closer to what really matters.
This wasn’t just another conversation about where the market is heading or how to structure your next purchase. It was raw, personal, and honest. And as we prepare to launch into 2025, it’s worth revisiting the big takeaways from a year that changed everything—for us, for many of our clients, and likely for you too. Watch the full episode here.
If there’s one word that sums up 2024, it’s realignment. Not just in terms of market conditions or interest rates, but in values.
For Aaron and Bernadette, this year marked a turning point in how they approach life and business. After purchasing a commercial space intended to be Atelier Wealth’s new HQ, they made the unexpected decision not to move in. Why? Because bigger isn’t always better.
That decision sparked a ripple effect—one that many families and investors will relate to. It prompted them to reassess their priorities: family, health, travel, and time. The things that matter most, often pushed aside in the pursuit of success, were moved back to the top of the list.
And isn’t that what property investing is really about? Not just building wealth, but creating the freedom to live on your terms.
One of the most powerful themes from the episode was the intersection of life and property decisions.
Aaron shared that, as brokers, the Atelier team doesn’t sit on the fence. We give clear, honest advice—not just on interest rates or borrowing capacity, but on life choices. Because so often, buying a home or investing in property isn’t just a numbers game. It’s about stability, legacy, and lifestyle.
Bernadette’s perspective added depth to this. She shared openly how her mindset around investing evolved this year—going from reluctant supporter to active participant. The difference? Seeing the success of a well-aligned purchase firsthand. Suddenly, the strategy wasn’t theoretical—it was tangible, achievable, and empowering.
It was a strong reminder that when both partners are involved in the journey, the outcomes are exponentially better. Whether it’s attending property summits together or simply having the hard conversations about goals, values, and vision—getting aligned is essential.
There was also a clear message for high-income earners this year: don’t get complacent.
Earning $200k+ may sound like a dream, but as Aaron shared, we’ve met countless professionals with great salaries and nothing to show for it. It’s the golden handcuff effect—lifestyle creep, car loans, and credit card debt quietly eroding any potential for long-term wealth.
That’s why getting financially organised is no longer optional. From getting pre-approved before engaging a buyer’s agent, to trimming unnecessary credit limits, the fundamentals still matter—especially in today’s borrowing environment.
And if you’ve ever thought, “I’ll get serious about investing later”—this is your sign. Start now. Play the long game. Protect your income. Build the foundations for financial freedom while your income is strong, not after it’s gone.
Another standout moment in the episode came from a simple insight: your current circle might not be the best support system for your property goals.
Whether you’re on your second property or your fifth, you may find that your wins aren’t always celebrated by the people around you. And that’s okay. It just means it’s time to find your “property friends”—people who share your mindset, your ambitions, and your appetite for growth.
That’s why Aaron launched Property Accelerator, a small community of investors committed to helping each other stay accountable, share knowledge, and celebrate wins without judgement. No egos. No tall poppy syndrome. Just honest, real conversations.
If that sounds like something you’ve been craving, you’re not alone.
As the episode wrapped, one thing became clear: the most successful investors in 2025 won’t be the ones chasing trends or “playing expert” in group chats. They’ll be the ones who stay grounded, consistent, and values-driven.
That means:
Whether your goals are to buy your first home, grow your portfolio, or secure a better financial future for your family, now is the time to reflect on where you are—and how you’ll move forward.
Because the property market might shift. Interest rates will rise and fall. But the fundamentals of building wealth, peace of mind, and freedom through property? Those don’t change.
If you’re looking to partner with a team that leads with strategy, empathy, and experience—let’s chat.
At Atelier Wealth, we help everyday Australians make confident, values-aligned decisions around home ownership and investing. Whether you’re starting out or scaling up, we’re here to walk the journey with you.
📩 Contact the Atelier Wealth team
👉 Book your free discovery call today
Let’s build something meaningful in 2025—together.
When we talk about property investing, the conversation often revolves around capital growth, rental yield, and long-term strategies for building wealth. But beneath all that is a deeper, more human truth: owning a home is more than a financial decision—it’s about stability, dignity, and hope.
In one of the most powerful episodes of the Australian Property Investment Podcast this year, our host Aaron Christie-David sits down with Stephen Woodlands, founder of Head Start Homes, to talk not about interest rates or strategy, but about impact.
This isn’t your typical property investing chat—and that’s exactly why it matters. Watch the full episode here.
Stephen’s passion for housing justice didn’t come from textbooks or market reports—it came from lived experience. As a young boy, he experienced homelessness firsthand, moving through crisis accommodation, transitional housing, public housing, and eventually, stable community housing.
That stability changed the course of his life.
It gave him a chance to stay in one school, to watch his mother regain her footing, and to understand just how life-changing a secure home can be.
Years later, Stephen would go on to become a lawyer, a banking executive, and now, a social entrepreneur who has helped Head Start Homes raise over $10 million to support vulnerable Australians into homeownership.
Stephen puts it simply: homeownership is one of the most powerful tools for ending poverty in Australia.
But it’s also one of the most unequal.
Today, your chances of owning a home have less to do with how hard you work—and more to do with how wealthy your parents are. The “Bank of Mum and Dad” has become one of the biggest lenders in the country, and for those without family wealth, the path to homeownership often feels impossible.
That’s where Head Start Homes comes in.
Head Start Homes is a not-for-profit organisation that works with low-income Australians—particularly those living in social or affordable housing—to help them access homeownership in a fair, supported, and practical way.
Here’s what makes their model unique:
Since launching, Head Start Homes has helped 21 families into homeownership, including:
One of the most moving examples is Carmen’s story—a single mum who had experienced homelessness and moved house 19 times. Through Head Start Homes, Carmen finally secured a home of her own.
In her words, it wasn’t just a house. It was the first time she felt safe enough to celebrate birthdays and Christmas again with her children.
This isn’t just a heartwarming initiative. It’s smart policy and good business.
By transitioning families out of social housing and into homeownership, Head Start Homes frees up public housing stock for others in need. For every family they support, another family moves out of homelessness.
It’s a win-win for governments, banks, and society.
Stephen’s vision is bold but deeply practical: bring together the siloed sectors of finance, government, and housing to co-create solutions that work—and scale them across the country.
And it’s already happening.
Atelier Wealth exists to help Australians make strategic, values-aligned financial decisions. We work with property investors every day. But as Aaron shared in the episode, “Being an investor doesn’t mean you check your empathy at the door.”
If you’re a property owner or investor, you’re already part of Australia’s housing system. The question is: what kind of participant do you want to be?
Whether it’s being a fair landlord, educating others, or supporting initiatives like Head Start Homes, we all have a role to play in shaping a fairer future.
At Atelier Wealth, we believe in doing good while doing well. We champion homeownership not just for financial gain, but for the freedom and stability it gives people and families.
If you’d like to talk about your own homeownership goals—or how to align your property journey with your personal values—we’re here for it.
📩 Contact the Atelier Wealth team
🎁 Need a copy of The Happy Home Loan Handbook? Just request one on our contact form, and we’ll send it your way.
Together, we rise by lifting others.
