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.
Applying for a home loan can often feel complex and time-consuming, with many borrowers expecting a seamless experience. However, the reality is that securing finance involves multiple steps, various professionals, and potential delays. In this blog, Aaron Christie-David, Founder of Atelier Wealth, and Client Services Manager, Kelsey Drake, discuss what happens behind the scenes of a loan application, why delays occur, and how clients can best prepare for a smoother experience. Watch the full episode here.
At Atelier Wealth, we believe in setting clear expectations from the outset. The home loan process involves brokers, lenders, credit assessors, and legal professionals—all working together to achieve the best outcome. While we work hard to streamline the process, delays can happen due to lender turnaround times, additional document requests, and human oversight within the banks.
As Aaron puts it, “We can’t guarantee a flawless experience, but we can help our clients prepare so they know what to expect.”
Every application is unique, but some of the most common reasons for delays include:
Understanding these potential hurdles can help borrowers approach the loan process with more confidence and less frustration.
To help make your loan application as seamless as possible, we recommend the following steps:
One of the most common mistakes buyers make is finding a property before securing a pre-approval. Without pre-approval, you risk unnecessary stress and tight deadlines when you finally find a property you love.
“If you’re working with a buyer’s agent and they don’t require you to be pre-approved before searching for properties, that’s a red flag,” says Kelsey.
The loan process involves ongoing communication between clients, brokers, and lenders. Borrowers who are proactive in providing documents and responding to requests quickly will experience fewer roadblocks.
“The more organised and prepared you are, the less stress you’ll have,” Kelsey advises.
Many buyers underestimate how long the loan process takes. Between lender assessments, document requests, and external factors such as property valuations, unexpected delays can happen. Planning ahead and allowing for extra time can help reduce stress.
A successful property purchase involves multiple professionals, including:
Recognising each person’s role can help you set realistic expectations and avoid frustration.
Once your loan is approved, you will receive formal loan documents to sign. Some lenders require independent legal advice, particularly for guarantor loans or trust purchases. Knowing this in advance helps prevent last-minute complications.
After signing loan documents, the final step is settlement. This is when the bank releases funds, and ownership of the property is officially transferred. However, even at this stage, potential issues can arise, such as:
To ensure a smooth transition, we recommend double-checking account details and ensuring your offset account is correctly linked to your home loan.
At Atelier Wealth, we are committed to guiding you through every step of the loan process. Whether you’re a first-time buyer, seasoned investor, or refinancing your home loan, our expert team is here to help you navigate the process with confidence.
If you’re ready to take the next step, contact us today to discuss your home loan strategy. Let’s make your property goals a reality!
The Australian property market is constantly evolving, and with rising interest rates, shifting government policies, and changing investor sentiment, it has never been more important to stay informed. In a recent episode of the Australian Property Investment Podcast, host Aaron Christie-David sat down with Nicola McDougall, Chair of the Property Investment Professionals of Australia (PIPA), to discuss the latest PIPA Annual Investor Sentiment Survey. This survey provides critical insights into how investors are reacting to market conditions, government regulations, and financial pressures. Watch the full episode here.
PIPA has been a key player in the property investment space for nearly 20 years, advocating for ethical practices, professional education, and self-regulation within the industry. Despite ongoing challenges in achieving full government regulation, the organisation continues to push for higher industry standards through initiatives like the Qualified Property Investment Advisor (QPIA) training program.
One of the most revealing insights from the survey is the increasing number of investors exiting the market. The data shows that 14.1% of respondents have sold at least one investment property in the past 12 months, up from 12% the previous year. The key reasons cited include:
At a capital city level, Brisbane and Melbourne saw the highest number of investor sales, with Sydney following closely behind. The survey also highlighted that regional NSW led the charge in investor sales for regional areas, a trend that has significant implications for rental supply and affordability.
Interestingly, while Victoria was rated as the worst state for property investors due to anti-investor policies, Melbourne was simultaneously ranked as the city with the best investment prospects. This paradox suggests that while investors may be frustrated with policies, they still recognise the long-term potential of Melbourne’s property market, particularly given its affordability compared to other major cities.
On the other hand, Western Australia (WA) was rated as the most pro-investment state, with Northern Territory and Tasmania also ranking high due to relatively investor-friendly policies.
The conversation also touched on how rental reform policies are affecting investor behavior. With over 130 rental reforms introduced in Victoria alone, many investors have found the regulatory environment too difficult to navigate. The introduction of new taxes, stricter tenancy laws, and increased compliance requirements have led many landlords to sell, further reducing rental stock at a time when demand remains high.
While investor sentiment remains cautious, there is still strong demand for property investment. 45% of respondents believe now is a good time to buy, although this is lower than in previous years. Many are taking a “wait and see” approach, hoping for interest rate cuts before making their next move.
Navigating the property market can be complex, especially with ongoing legislative changes and financial pressures. If you’re looking to make informed investment decisions, now is the time to seek expert guidance.
The property market rewards informed decision makers and action takers. Don’t let uncertainty hold you back from achieving your investment goals.
Reach out to Atelier Wealth for a property finance strategy session to understand your borrowing power and investment options. Connect with a PIPA qualified property investment advisor to receive expert insights tailored to your goals.
For more insights, listen to the full podcast episode and explore the PIPA survey results to stay ahead of the curve in property investment. Contact Atelier Wealth or any PIPA qualified investment advisor today and take the next step in your property investment journey
On a recent episode of the Australian Property Investment Podcast, Aaron was joined by his brokers from Atelier Wealth to break down a fundamental concept that can transform your approach to wealth-building: Property Equity vs. Sweat Equity. If you’re serious about growing your financial future, understanding this dynamic is crucial. Watch the full episode here.
Sweat equity refers to the effort and time you put into earning an income—whether through employment, running a business, or freelancing. It’s the traditional way of making money, where your earnings are directly tied to the hours you work.
However, relying solely on sweat equity has its limitations. Salaries typically increase by only 3-5% per year, if at all. Meanwhile, the cost of living continues to rise, often outpacing wage growth. This means that for many people, financial progress can feel slow and exhausting.
Property equity, on the other hand, is the value appreciation of real estate over time. Unlike sweat equity, it doesn’t require continuous labour—your wealth grows passively as market forces work in your favour.
For example, many of our clients who purchased property just two or three years ago are often surprised at how much equity they’ve built. Some see hundreds of thousands of dollars in value appreciation, all while their salaries have remained relatively stagnant.
If your salary increases by 5% annually but your property appreciates by 6-10%, your wealth builds exponentially. The key difference? Salary increases are usually small, while property gains can be substantial due to market cycles and strategic investing.
One of our team members, Nate, recently purchased his first investment property for $506,000. Within just 30 days, a bank valuation showed that the property had already increased to $523,000—a $17,000 gain in one month. If annualised, that’s roughly $200,000 in a year, simply by holding an appreciating asset.
Many people follow a flawed approach to money management: they earn income, spend it on lifestyle choices—cars, travel, dining out—and only consider investing later (if at all). The correct formula should be:
Following this approach ensures long-term wealth creation and financial security.
Our team purchased a property in early 2024. By October of the same year, a new valuation revealed a $90,000 increase in value—an 8% rise in just 10 months. Saving that amount from a salary alone would have been a massive challenge. Instead, by leveraging real estate, we allowed property equity to do the heavy lifting.
For business owners, the contrast is even starker. Many entrepreneurs work tirelessly to increase revenue and profits, only to reinvest everything back into the business. While business growth is essential, diversifying into property ensures that your wealth isn’t solely tied to your company’s performance.
To maximise your ability to invest, avoid common financial pitfalls that can hold you back:
Successful investors don’t go at it alone. They build a team of professionals to guide them through the process, including:
Nate’s seamless property purchase experience was a testament to having the right team in place. By leveraging professionals, the process was efficient and stress-free.
Property investment isn’t just for the ultra-wealthy—it’s accessible to anyone willing to take strategic action. The property market rewards decision-makers and action-takers. The key is to start as early as possible, leverage expert guidance, and avoid common money traps.
If you’re ready to take control of your financial future, consider booking a Property Roadmap Session (for first-time buyers) or a Portfolio Review (for existing investors looking to scale).
Start making your money work for you, and let property equity do the heavy lifting!
In a recent episode of the Australian Property Investment Podcast, Aaron Christie-David sat down with Ben Nash, founder of Pivot Wealth and one of Australia’s most followed financial planners. Their conversation unpacked financial habits, investment strategies, and the power of simplicity in building wealth. Whether you’re starting out or looking to refine your financial strategy, this episode is a goldmine of practical insights. Watch the full episode here.
Ben Nash started Pivot Wealth in 2015 and has spent nearly a decade refining his approach to financial planning. Over the years, he has shifted from working long hours to focusing on strategic decisions that make the biggest impact. A key takeaway from his journey? Less is more. Instead of overcomplicating financial plans, Nash advocates for streamlining decisions, implementing systems, and focusing on long-term strategies rather than quick wins.
Aaron and Ben discussed the impact of decision fatigue—how making too many choices can lead to inaction or poor financial decisions. Just like successful entrepreneurs streamline their work and lifestyle, financial success hinges on setting clear systems in place. Ben referenced Atomic Habits by James Clear, emphasising that success isn’t about big, complex plans but rather having systems that automate and simplify decision-making.
Many investors struggle with the overwhelming number of choices when managing money. Ben emphasised the need for systematic financial strategies, such as:
Rather than trying to navigate financial success alone, Ben recommends working with professionals like financial planners and mortgage brokers to develop tailored strategies.
One of the standout discussions was around the myth that budgeting is only for those with tight finances. Ben argues that high-income earners need financial discipline just as much—if not more—than those with lower incomes. Many people earning $200,000 or more still find themselves struggling financially due to lifestyle inflation. Bigger paychecks often lead to more expensive lifestyles, leaving little room for actual wealth creation.
Aaron and Ben also tackled property investment myths, particularly the belief that owning multiple properties quickly is the key to success. Ben emphasised that instead of chasing hotspots or high-yield properties, investors should focus on long-term quality assets in high-demand areas like Sydney, Melbourne, and Brisbane. Investing in premium locations ensures consistent capital growth over decades, rather than short-term market fluctuations.
Another powerful insight from Ben was about the necessity of debt in wealth building. While many people prioritise paying off their mortgage as quickly as possible, Ben argues that strategically leveraging debt through smart investments—such as well-chosen property purchases—can significantly accelerate wealth growth.
The key is balance: find the right level of debt that maximises growth without creating unnecessary financial stress.
Beyond finances, Ben shared how focusing on his own health and well-being dramatically improved his personal and professional life. During the early years of running his business and starting a family, he let his fitness slip. However, he later committed to regular training, which ultimately helped him become a better leader, investor, and business owner. The lesson? Taking care of your health translates to better financial and life decisions.
Final Thoughts: Take Action Today
Ben Nash’s message is clear: keep it simple, focus on long-term strategies, and make smart, intentional financial decisions. Whether you’re an experienced investor or just getting started, the principles of budgeting, property investing, and leveraging debt wisely can set you up for lasting financial success.
For those looking to take control of their finances, Pivot Wealth offers a range of resources, including Ben’s latest book Virgin Millionaire, which breaks down financial success into actionable steps.
Want to dive deeper? Follow Ben Nash on social media (@pivotben on Instagram, @bentalksmoney on TikTok), listen to his Mo Money podcast, or explore Pivot Wealth’s Smart Money Accelerator for practical financial education.
If you’re ready to optimise your property investments, Aaron and his team offer Property Roadmap and Portfolio Review Sessions to help you strategically build your wealth. Get in touch today to take your next step towards financial freedom!
In a recent Australian Property Investment Podcast episode, Aaron Christie-David engaged in an insightful discussion about financial and career growth, focusing on what he calls the ‘three P’s’—Personal Development, Professional Development, and Property Development. This session tackled a common mental block many people face: the belief that their income has hit its ceiling.
Aaron and Atelier Wealth’s mortgage brokers broke down how to increase your market value, navigate career growth, and use your income strategically to build wealth through property. Watch the full episode here.
One of the key takeaways from the discussion was viewing yourself as an income-generating asset. Just as you would renovate a property to increase its value, you should continuously upskill yourself to enhance your earning potential. Whether it’s taking on new responsibilities, learning new skills, or networking within your industry, these efforts can lead to promotions and salary increases that boost your ability to invest.
Bernie, an HR professional and guest on the podcast, shared an example from her corporate days. She highlighted the importance of going beyond just technical skills—demonstrating a problem-solving mindset and a willingness to learn can make employees indispensable. Employers often prefer hiring individuals with a strong attitude over technical perfection, knowing that skills can be taught, but mindset is crucial for long-term success.
Damien and Nate, long-time members of Aaron’s team, provided real-world proof of how dedication and strategic upskilling can exponentially grow your income. Damien started at an entry-level salary but has since increased his income fourfold. Nate, who started as a recent graduate, also doubled his salary in three years. Their journeys reflect the importance of taking initiative, proving value to an employer, and continuously seeking ways to improve.
A key point discussed was the contrast between salaried employees and hourly workers. While hourly employees are compensated strictly for their time, salaried employees are paid based on the value they bring to the company. Those who take ownership, solve problems, and contribute strategically often see the biggest financial rewards.
Aaron introduced the concept of talent stacking, a strategy where professionals add niche skills that set them apart in their industry. In mortgage broking, for example, becoming an expert in property investment, self-employed clients, or commercial lending elevates brokers into the top tier of their field. The same applies across industries—the more specialised and valuable your skill set, the higher your earning potential.
For employees feeling stuck in their careers, talent stacking is an effective way to differentiate themselves. Developing a combination of technical expertise, communication skills, and leadership capabilities can propel professionals into higher income brackets.
The discussion also emphasised the importance of using income wisely to create long-term wealth. Many professionals fall into the trap of lifestyle creep, where rising salaries are immediately matched with higher expenses—luxury cars, expensive holidays, and costly entertainment. Instead, Aaron and his team advocate for directing surplus income toward investments, particularly property, to secure financial freedom.
They outlined how property equity outperforms sweat equity over time. While working hard for pay raises is important, investing in appreciating assets such as real estate allows wealth to grow passively. Strategic property purchases, combined with disciplined financial habits, can fast-track financial independence.
The podcast provided a decade-by-decade roadmap for wealth-building:
For those unsure where to start, Aaron and his team offer property roadmap sessions and portfolio reviews, helping individuals plan their next steps based on their income, equity, and financial goals. By taking a structured approach, investors can accelerate their wealth-building journey with confidence.
For those looking for further insights, Aaron is offering free copies of The Happy Home Loan Handbook—a valuable resource for first-home buyers and property investors. If you’re serious about building wealth, now is the time to take action.
Drop Aaron and his team a message to claim your free book or book a strategy session today!
