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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#firstbrick #short

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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.
Follow if you are a first time investor for more free real estate education 👇

#firstbrick #short

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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When is the best time to invest in Real Estate in Australia
This is easily, the most asked question when it comes to investing in property in Australia

Put simply, the best time to invest is when you are ready

#firstbrick #besttime #investing #short

Biggest myth in Australian real estate:
“You need a 20% deposit to buy.”
That belief has kept people renting for YEARS.
Truth is…
Most buyers don’t miss out because they can’t buy.
They miss out because they think they can’t.
There are ways to enter the market with 5–10%, depending on your situation.
The real question isn’t “Do I have 20%?”
It’s:
✅ Can I borrow?
✅Do I have a plan?
✅Am I buying smart?
Stop waiting for a number that was never the real rule.
#firstbrick
Follow if you are a first time investor for more free real estate education 👇 #short

Hot take:
Most people don’t buy an investment…
They buy a nice house and call it investing.
Real investors don’t shop like homeowners.
The rule is simple:
📍 Location Land Property
The house is the LAST thing that matters.
You can repaint walls.
You can upgrade kitchens.
But you can’t fix…
❌ a bad suburb
❌no demand
❌no growth
❌no land value
Stop obsessing over the property.
Start obsessing over where it sits.
#firstbrick #locationlocationlocation
Follow if you are a first time investor for more free real estate education 👇 #short