Should You Avoid LMI? What the Numbers Show
Lenders Mortgage Insurance (LMI) is the extra cost of borrowing more than 80% of a property’s value. Some investors wait years to save a 20% deposit so they can avoid it. Others pay it and buy sooner, sometimes using the same savings to buy two properties instead of one.
Neither approach is automatically right. We break down the numbers for both, including the holding costs and downside risks that most LMI comparisons leave out.
Ravi Sharma
October 26, 2026 • 6 min read
Property vs Super: How to Build Your Retirement Income
Retirement income usually comes from three places: super, the Age Pension, and any other assets you own. Super is built to be the main source. It is invested for you over decades and can generally only be accessed once you reach preservation age, which is usually 60. The Age Pension is means tested, so the more you hold in assets and income, the less of it you tend to receive. That is where the property versus super question comes from. Super is diversified, tax-concessional, and hands-off. Property gives you control and the ability to borrow, with more concentration.
Ravi Sharma
October 23, 2026 • 6 min read
How Buyers’ Agents Assess Investment Potential in Property
A listing tells you the price, the bedrooms, and the photos. It does not tell you whether the property will grow in value, rent well, or cost you more than it earns. That is the part a buyers agent is paid to work out.
This covers how a professional buyers agent assesses a property’s investment potential, the red flags that make them walk away, how to check whether an agent is any good, and how to protect yourself from settlement scams.
Ravi Sharma
October 21, 2026 • 3 min read
What High Net Worth Property Investors Do Differently
Investors with large portfolios tend to share a handful of habits. None of them are secrets. Most come down to structure, location, debt, and who they have around them.
We cover habits that show up again and again amongst experienced investors. They are common patterns, not a study, and they do not guarantee any result. You also do not need a high income to use most of them. Plenty of investors with average incomes have built portfolios of one to three properties by getting the basics right.
Ravi Sharma
October 19, 2026 • 7 min read
Should I Buy an Investment Property First, Upgrade My Home, or Rentvest?
You’ve built up some equity, or your deposit is finally getting somewhere, and now there are three ways to go. Buy an investment property, upgrade the home you live in, or rent where you want to live and invest somewhere else.
It comes down to what you’re trying to do. Upgrading is mostly about lifestyle. Investing first and rentvesting are about building wealth. This guide covers what each path costs you, where the risk sits, and the questions that usually settle it.
Ravi Sharma
October 16, 2026 • 6 min read
Australia’s Death of the Middle Class: What It Means for Property
Is the Australian middle class disappearing? The question is no longer limited to housing forums. Households on solid incomes are finding that a home in the city they work in is out of reach, while households that already own property keep building wealth.
“Death of the middle class” is a strong phrase, and it is debated. What the data does show is a widening gap between households that own appreciating assets and households that do not. Here is how that gap forms, why prices keep rising even though most people feel priced out, and what it means if you do not own property yet.
Ravi Sharma
October 14, 2026 • 6 min read
