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Thinking about buying your first investment property in Australia but not sure where to begin? This episode breaks down the basics of property investing, giving beginners a clear and simple roadmap before making their first move.
In this first episode of Access Wealth, Dory and Ben unpack the real foundations of smart investing, your why, your borrowing capacity, your finance structure, and the research that separates confident investors from emotional decision makers.
You will learn:
◼️ Why defining your why matters
◼️ How to prepare your finances and borrowing capacity
◼️ The role of equity, valuations and loan structuring
◼️ Why location research beats buying close to home
◼️ How to avoid emotional decisions and invest with confidence
◼️ What professional due diligence includes
Timestamps:
00:00:00 - Introduction
00:00:02 Why Long-Term Success Matters
00:00:12 Basics of Property Investing in Australia
00:00:23 Common Questions for New Investors
00:00:33 Asset Types Overview
00:00:36 Understanding Your Why
00:00:45 Tax, Mortgage and Retirement Pressures
00:01:15 Seeing Your Long-Term Mortgage Outlook
00:01:53 Tax Impact Over Time
00:02:20 Mortgage Interest Reality
00:02:31 Moving Beyond the Why
00:02:44 Borrowing Capacity and Finance Structure
00:03:06 Consequences of Poor Structuring
00:03:14 Importance of Valuations and Equity
00:03:29 How Valuations Can Vary
00:03:49 Cranbourne Valuation Example
00:04:31 Finance Structure and Due Diligence
00:04:41 Knowing Your Borrowing Capacity and Equity
00:05:01 Where Most People Invest Incorrectly
00:05:14 Limited Suburb Research
00:05:23 Why Most Australians Choose the Wrong Suburbs
00:05:36 Cutting Out 99 Percent of the Market
00:05:49 Emotional Buying and Auctions
00:06:09 Importance of Proper Advice
00:06:18 Researching 15,000 Suburbs
00:06:35 Outdated Property Beliefs
00:06:56 Emotional vs Strategic Decisions
00:07:10 Overwhelm and Investment Options
00:07:23 Mapping Out the Investment Steps
00:07:44 Importance of Data and Research
00:07:56 Due Diligence and Reporting
00:08:27 Financial Inputs and Ongoing Costs
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