Most people hear “commercial property” and think it’s just office buildings.
That’s a residential mindset applied to a commercial game.
Commercial property includes:
- Retail
- Industrial
- Medical
- Hospitality
- Office
Each behaves differently.
Each responds differently to interest rates.
Each attracts different tenants.
That’s why some commercial investors stay calm while others panic — they understand the asset, not just the label.
This isn’t better or worse than residential.
It’s just different.
And if you don’t understand the differences, you shouldn’t be touching it yet.
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Some professions can access property loans with reduced or no LMI, allowing them to buy sooner with a smaller deposit.
But this isn’t automatic.
Eligibility depends on:
- Your role and income
- The lender you choose
- Your overall financial position
The full explanation — and who typically qualifies — is in the video 👆

#firstbrick #short

Everyone wants to know the “best time” to buy an investment property.
So they wait.
And wait.
And wait some more.
People said it was a bad time to buy:
10 years ago.
5 years ago.
12 months ago.
Last week.
And they’ll say it again tomorrow.
The truth is, the market will always give you a reason not to act.
Wealth in property isn’t built by perfect timing.
It’s built by starting — then holding long enough for time to work.
The best time to buy was yesterday.
The next best time is when you can afford it.
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Certain professions in Australia can access LMI-waived or discounted loans.
Banks see these roles as lower risk, so they’re willing to lend at higher LVRs without charging LMI.
This often applies to:
- Medical professionals
- Legal professionals
- Finance and accounting roles
- Engineering and technical professions
But here’s the catch 👇
Not every bank does this.
Not every role qualifies.
And the policy changes often.
If you don’t know to ask, you’ll never know it exists.
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LMI (Lenders Mortgage Insurance) is one of the most misunderstood parts of buying property.
It’s not a tax.
 It doesn’t protect you.
 And it doesn’t always mean you’re making a bad decision.
What actually matters is understanding when it helps you enter the market sooner — and when it doesn’t.
The full breakdown is in the video 👆

#firstbrick #short

Would you rather…
Take $1 million today
or
1 cent doubled every day for 30 days?
Most people choose the million.
And most people are wrong.
This is how compounding actually works — slowly at first, then all at once.
Wealth isn’t built by big wins.
It’s built by letting time do the heavy lifting.
Same lesson applies to property.
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#firstbrick #short

Comment “PROPERTY” to get a free copy of our ebook — a complete guide to everything you need to know to invest in real estate.
One of the biggest myths in property is that you need a 20% deposit to get started.
That belief keeps most people stuck waiting… while others move ahead with the right strategy.
The details are in the video 👇
Education beats assumptions — every time.

#firstbrick #short

Everyone wants to buy at the “perfect time.”
The problem?
The perfect time only exists in hindsight.
People who waited for the dip…
The crash…
The certainty…
Are still waiting.
Meanwhile, the people who focused on time in the market quietly built wealth.
Property rewards patience, not predictions.
You don’t need to time it perfectly.
You just need to start with a plan.
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New borrowing rules just dropped in Australia — and they could reduce how much you can borrow.
You may hear the term DTI more often now.
DTI = Debt-to-Income ratio (how much debt you have compared to your annual income).
Banks used to assess borrowing power mostly through serviceability calculators… but regulators are now tightening lending above a 6x income level.
📌Example:
OLD system:
Income $100K → Borrowing power ~ $750K
NEW system:
Same income → Borrowing may be closer to $600K
Same salary… smaller loan.
This doesn’t affect everyone equally, but it means borrowing may become harder for first-time investors going forward.
I’ll keep breaking these changes down in simple terms.
#firstbrick #DTIrules

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