Setting Goals, Crushing Myths, and Taking Action in 2025: A Broker’s Perspective
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.
The Power of a Vision Board
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:
- Financial goals – savings, investments, properties to purchase
- Health & wellbeing – training, recovery, and personal coaching
- Business milestones – team growth, client impact
- Family adventures – including a trip to the Ashes in Brisbane and a visit to Bluey’s World with the kids
- Personal development – books to read, coaches to work with
- Experiences – things that excite and energise him throughout the year
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.
You Become Your Environment
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.
Your Algorithm = Your Inputs
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.”
Couples & Money: Get on the Same Page
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?
- Don’t see your partner as a handbrake—they’re coming from a place of love and protection.
- Respect the time and effort it takes to get informed. If you’ve listened to 100 hours of podcasts and they’ve done zero, meet them where they are.
Schedule time to connect on your financial vision. Ask: What do we want to achieve this year? How do we get there together?
11 Mortgage Myths Debunked
Now to the meaty stuff. The trio tackled 11 of the most common mortgage myths, and the truth might surprise you.
1. You must be off probation to get a loan.
False. Some major banks will approve loans on your first day—you just need a contract or one payslip.
2. Credit cards don’t impact your borrowing capacity.
False. A $10,000 limit can reduce your borrowing by $50–60K. Don’t let points cost you property.
3. Smaller lenders are riskier.
False. They’re often more flexible, and many are backed by the government guarantee scheme.
4. You need a 20% deposit.
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.
5. Banks will comb through every transaction.
Not always. Unless your deal is high risk (e.g., high LVR), most banks only check for major red flags.
6. I’ve banked with them for years—they should give me a better deal.
Unfortunately, there’s no “loyalty bonus”—only the loyalty tax. Always review your loan and negotiate.
7. All lenders offer the same borrowing capacity.
Definitely not. Income shading, living expenses, bonuses, and policy quirks vary widely. That’s why brokers exist!
8. It’s hard to get a loan if you’re self-employed.
It’s more documentation, not more difficult. Some banks now accept 6-month salary patterns or one tax return.
9. I’m too young/too old to get a loan.
Age doesn’t matter—exit strategy does. A 72-year-old got a 30-year loan last year. Seriously.
10. It’s cheaper to rent than to own.
Maybe in the very short term. But rent rises, repayments stabilise, and ownership builds equity.
11. Technology has made it easier to get a loan.
Ironically? No. The process is still highly manual. A real human assesses your loan, and turnaround times remain slow.
2025 is Your Year—But Only If You Act
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.
