If you're drowning in the Australian housing affordability crisis, watching house prices in Australia soar while your deposit savings barely move, you're not alone.

For first home buyers in Australia, the market has never been tougher.

With dwelling values now 8x the average income, mortgage repayments consuming 50% of household earnings, and rent taking up 33% - the dream of owning property feels out of reach.

This episode breaks down the harsh reality with data that will shock you.

But it’s not all doom and gloom.

I also share seven actionable strategies that real first home buyers are using right now to get into the Australian property market faster - including:

✔️ The guarantor loan strategy that doesn’t require upfront family cash

✔️ The First Home Guarantee Scheme and key changes coming January 2026

✔️ How rentvesting can help you buy where you can afford - and live where you love

✔️ Why changing your expectations (not your dreams) can open more doors

✔️ Leveraging spare rooms to improve cash flow and meet mortgage commitments

✔️ Co-buying with friends or family - and what you need to know legally

✔️ Tips on cutting expenses or increasing income to save faster and borrow more

Whether you're trying to figure out how to buy your first home, looking into government grants for first home buyers, or considering rentvesting as a strategy - this episode is packed with real-world advice based on current market data and years of experience helping buyers like you.

Key Points

00:00:00 Housing Crisis Reality
00:01:20 The Data
00:02:20 Affordability Metrics
00:04:00 Supply Shortage
00:05:20 Population Growth Impact
00:06:40 Household Size Changes
00:08:00 Seven Solutions
00:09:20 Rentvesting Option
00:10:40 Joining Forces
00:11:40 Final Recommendations

Stop waiting for a crash that isn’t coming.

Learn how to get into the property market - even if you thought it was impossible.

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Our rentvesting & property investment services have helped tons of Australians start and grow their property portfolio.

Subscribe to Rentvesting for weekly, actionable insights

Follow us for more:

📈QUIZ: Are you ready to take the leap into rentvesting or property investment? Get your “Investor Readiness Score” here: https://scorecard.wpropertyadvisory.com.au/ PLUS Get Free Property Investor Tools!

👥 FB Group - https://m.facebook.com/groups/rentvestingmastery

📸 Instagram - https://www.instagram.com/wpropertyadvisory/

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☎️Ready to start rentvesting? Book your free Property Investing Discovery Session here: https://www.wpropertyadvisory.com.au/contact

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Disclaimer: All information contained in this podcast is general in nature and does not consider your individual circumstances. You should consider the appropriateness of this information with regards to your individual objectives, financial situation and needs, and speak to a professional.

What is a buyers agent… what does a buyers agent do… and is a buyers agent WORTH IT?

Property expert Steve Williams steps outside his role as a buyers agent to give you the answer to these questions and more.

Having spoken to hundreds and hundreds of skeptical and worried buyers, Steve lays out the real problems that a buyers agents can solve.

And when a buyers agent may or may not make sense for you.

He also shares a cautionary tale from his 20s - how a simple mistake cost him $300–$400 a week for over a decade with minimal growth.

Whether you’re a first-time buyer, time-poor professional, or someone spinning your wheels in the current property market, this episode helps you decide:

👉 Should you pay for a buyers agent?

👉 What do buyers agents actually bring?

👉 And how do you choose the right buyer’s agent for your goals and budget?

Key Points

00:00:00 Is it worth it?
00:01:00 Common buyer problems
00:02:20 Data interpretation
00:05:00 Time factor costs
00:06:00 Emotional support
00:08:20 Due diligence
00:09:20 Choosing the right agent
00:11:00 Pricing and value
00:12:00 When agents help most

From the emotional rollercoaster of buying… to the overlooked opportunity costs of waiting too long… this episode is packed with practical advice to help you buy property smarter.

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Our rentvesting & property investment services have helped tons of Australians start and grow their property portfolio.

Subscribe to Rentvesting for weekly, actionable insights

Follow us for more:

📈QUIZ: Are you ready to take the leap into rentvesting or property investment? Get your “Investor Readiness Score” here: https://scorecard.wpropertyadvisory.com.au/ PLUS Get Free Property Investor Tools!

👥 FB Group - https://m.facebook.com/groups/rentvestingmastery

📸 Instagram - https://www.instagram.com/wpropertyadvisory/

-

☎️Ready to start rentvesting? Book your free Property Investing Discovery Session here: https://www.wpropertyadvisory.com.au/contact

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Disclaimer: All information contained in this podcast is general in nature and does not consider your individual circumstances. You should consider the appropriateness of this information with regards to your individual objectives, financial situation and needs, and speak to a professional.

Interest Only vs Principal and Interest: Which Loan Is Better for Investment Properties?

Access the property cash flow calculator now → https://www.wpropertyadvisory.com.au/free-property-investor-tools

The loan repayment strategy you choose today could shape your investment success for decades. So are you better off with an interest-only loan or principal and interest repayments?

In this episode, I explore the interest-only vs principal and interest debate for investment properties in Australia. I hold nothing back as I share clear examples and real cash flow numbers.

Tune in to discover:

✅Why interest-only loans might hurt your borrowing power

✅How your decision impacts your borrowing capacity, tax deductions, and cash flow

✅The real cash flow difference between the two options on a $750K property

✅How to use an offset account for flexibility and future investing

✅When and why to refinance or switch between repayment types

✅How I personally structure my own investment property portfolio

This is a must-watch for first-time investors, rentvesters, and experienced property owners who want to optimise their investment loan structure for maximum growth and minimum risk.

Key Points

00:01:20 Interest Only Benefits
00:01:40 Borrowing Capacity
00:02:20 Interest Only Periods
00:03:00 Principal Benefits
00:04:20 Cash Flow Numbers
00:06:00 Mortgage Calculations
00:07:00 Refinancing Strategy
00:08:00 Offset Account Approach

Whether you're preparing to meet a mortgage broker, or simply want to understand your options better, this video will give you clarity and confidence before locking in a loan.

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Our rentvesting & property investment services have helped tons of Australians start and grow their property portfolio.

Subscribe to Rentvesting for weekly, actionable insights

Follow us for more:

📈QUIZ: Are you ready to take the leap into rentvesting or property investment? Get your “Investor Readiness Score” here: https://scorecard.wpropertyadvisory.com.au/ PLUS Get Free Property Investor Tools!

👥 FB Group - https://m.facebook.com/groups/rentvestingmastery

📸 Instagram - https://www.instagram.com/wpropertyadvisory/

-

☎️Ready to start rentvesting? Book your free Property Investing Discovery Session here: https://www.wpropertyadvisory.com.au/contact

-

Disclaimer: All information contained in this podcast is general in nature and does not consider your individual circumstances. You should consider the appropriateness of this information with regards to your individual objectives, financial situation and needs, and speak to a professional.