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First property buyers, here’s the truth bomb: owning a home feels safe, but safety doesn’t always make you rich. The smarter play might surprise you.
Sure, your home can feel like your castle. But castles cost money, they don’t usually make it. Every repayment comes from your after-tax income. No deductions. No rental return. And let’s be honest, plenty of emotional overspending to secure that “dream home.”
That’s great for lifestyle. But for wealth? Not so much.
Every dollar you tip into your mortgage is a dollar you can’t put to work elsewhere. And that’s the catch most people miss.
While you’re laser-focused on smashing down debt, you could be missing out on tax breaks, rental returns and compounding growth from investment properties. Opportunity cost is invisible, until you see how far ahead someone else got while you were busy painting feature walls.
Here’s the smarter move: rentvesting. Join the rise of the modern rentvestor who rents where they actually want to live, while their investment properties do the heavy lifting.
It’s the best of both worlds. Lifestyle now. Portfolio growth in the background. And forget the tired saying “rent money is dead money.” Mortgage interest on your own home? That’s six feet under too.
Owning a home feels good, but it’s a lifestyle choice, not a wealth strategy. Think of it as your comfort asset.
If you’re serious about wealth, you need assets that hustle. Investment properties are tax-deductible, income-generating, and compounding like a snowball rolling downhill. That’s how you build momentum.
Opportunity cost is invisible, until you see how far ahead someone else got while you were painting feature walls.
The bold ones:
Here’s the kicker: it’s not always either/or. With the right strategy, you can invest now and still buy that dream home later.
Your first property is the biggest money move of your life. Get it right, and you accelerate your wealth. Get it safe, and you might stall for decades.
If lifestyle is your goal, buy the home. If financial freedom is your goal, invest first and let rentvesting prove you can live well and build wealth at the same time.
Ready to stop playing safe and start playing smart? Talk to our team at DPN about how to kick off your property journey with confidence.
The information provided is general in nature, it does not take your personal objectives, circumstances or needs into account. It is not specific advice and is not intended to be passed on or relied upon. Any indicative information and assumptions used may change without notice, particularly if based on past performance. Interest rates are subject to change. Finance approval is subject to terms and conditions and meeting lender approval criteria.
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