When it comes to property investing, most people put 90% of their focus on the property…

And barely a thought into how they structure their finance.

But here’s the truth:

The wrong finance setup can cost you tens of thousands in lost deductions, extra repayments, or worse — completely block you from growing your portfolio.

So what should investors do instead?

Let’s break it down.

? What matters most is having the right structure from day one.
That usually means keeping your investment lending separate from your home loan, using interest-only where it makes sense, and avoiding cross-collateralisation unless there’s a very good reason.

? Why does this matter?
Because the right structure gives you flexibility, protects your borrowing capacity, and lets your money work smarter — not harder.
It can be the difference between owning one property… or building a portfolio that actually sets you up for financial freedom.

? And here’s the bit most people miss:

If you go straight to your bank, they’ll often try to shoehorn you into a structure that suits them — not you.

That can mean tying all your loans together, locking you in, and potentially blocking your future plans.

Worse, it could slow down your progress on paying off your home.

That’s why we always start with strategy first.

Before you buy anything — get your finance game plan sorted.

If that’s something you’ve been meaning to do, I’d recommend booking a 30-minute Investment Game Plan Call with me.

We’ll look at where you’re at now, where you want to be — and whether your finance setup is helping or holding you back.

? [Book your call here]

Cheers,

Greg
More Than Accountants 

If you haven’t been paying close attention, hearing someone mention Bundaberg as a place to invest might raise an eyebrow.

Seems a bit… off the radar.

Regional town. Rum, beaches, sugar cane.
Nice place for a weekend away — but to build wealth?

Most people's first instinct would be to move on.

But if they dug a little deeper they would probably learn a few things they didn't know.

• It has the Second fastest economic growth in Queensland (7.1% in one year)

• $4.2B in infrastructure committed over the next decade

• Population forecast to grow 36% by 2040

• Strong job growth and a push into health, education, renewable energy and advanced manufacturing

• Their are major upgrades to hospitals, highways, marine facilities, and even an aerospace precinct

Here’s a recent example I came across that highlights the shift:

• Dual-key home on a registered 900m² block

• Unit 1: 3 bed, 2 bath, 1 car

• Unit 2: 2 bed, 1 bath, 1 car

• 2550mm ceilings

• Total package: $844,594 Full turnkey

• Estimated rent: $970 per week

If your approach was purely property and location then you wouldn't even see this. 

Not saying Bundaberg is right or wrong for you.

But when you focus on strategy first — meaning where you want to be financially over the next 10–15 years — instead of putting the blinkers on about where or what to buy, it opens up more options.

Go here to find out how you can get access this and other off-market opportunities

I understand if you’re feeling like the market has moved on without you.

You keep hearing about dual income deals with great yields...

But everything that looks good is either out of budget, or gone before you even get your finance approved.

So when I came across this one, I knew I had to share it.

Brand new Dual income 
$782,000
7.3% yield
224m² dwelling
Full turn-key

The plus is — it’s in the Toowoomba region.

Why does that matter?
Toowoomba’s $15.37B economy is continuing to go from strength to strength.

And it's about to become a major energy hub for SEQ with tow major projects in the pipeline.
1. Big-T Pumped Hydro Project – $1.65B investment near Lake Cressbrook. 
2. Tarong West Wind Farm – 436.5MW project, 230,000 homes powered, backed by Stanwell and RES

Both these projects will unlock more wind and solar development across the Southern Renewable Energy Zone

This is the sort of thing you can miss if your not plugged into the right networks.

Go here to find out how you can get access this and other off-market opportunities

Many of my clients are using dual-income property just like this one.

Not just to build wealth — but to knock years off their home loan.

Two birds. One smart property.

More income means an easier hold, less financial stress, and the potential to drive down your home loan without changing your lifestyle.

This property has a lot of the pieces that make that strategy work.

In case you didn’t know, Toowoomba is a $14.76 billion economy, growing at over 6% a year and supporting more than 93,000 jobs. 
Infrastructure, education, logistics — it’s all happening. And this property sits in a suburb with strong tenant demand and serious family appeal.

Here’s what’s around the corner:
• 300m to a private school 
• 300m to childcare 
• 5km to Toowoomba CBD
• 10km to Wellcamp Airport

Here's the breakdown

• 5 bed | 3 bath | 2 car
• 680m² block | 200.3m² build
• $946,600 turnkey
• Expected rent: $1,030/week
• Registration expected July 2025

High yield + high land content = cashflow and growth.

Go here to find out how you can get access this and other off-market opportunities

Want a New Build —But don't want to wait?

This rare 6-bedroom, dual-key has come up in one of South East Queensland’s fastest-growing pockets. With services and employment in easy reach.

• 1.6km for Beaudesert High School

• 1.2km to Business Park 

• 3.2km from Beaudesert Hospital

• 3.4km from Scenic Rim Council HQ
   

The Scenic Rims population is expected to exceed 67,000 by 2041, necessitating the development of approximately 11,000 additional dwellings.

? Quick Property Snapshot

• Location: Beaudesert

• Price: $998,500 (Single Contract)

• Land Size: 480m²

• Build Size: 239m²

• Total Bedrooms: 6 

• Dwelling 1: 4 Bed | 2 Bath | 1 Living | 1 Car – Est. Rent: $575/week

• Dwelling 2: 2 Bed | 1 Bath | 1 Living | 1 Car – Est. Rent: $475/week

• Combined Rent: $1,050/week

Go here to find out how you can get access this and other off-market opportunities

Registered Land | Build-Ready | Dual Income Opportunity in Loganholme

This dual-income is on registered land, no waiting around for titles.

With demand strong and infrastructure continuing to improve across the Logan region, this property is perfectly positioned for investors looking for great yield, low vacancy, and dual income potential.

The Highlights:

• Land size: 584m² 
• Status: Registered and ready to build
• Turnkey dual key home – two incomes under one roof
• Rental – Estimated at $1,160/week
• Great location – close to schools, shops, and transport
• Price – $976,488

Ready to Make Your Move?
If this property caught your eye — or if you're serious about finding the right investment — the next step is simple.

Go here to find out how you can get access this and other off-market opportunities

Single Contract | Registered Land | Build Starts June | Estimated Rent $1,300/week
 

This is a full turnkey duplex on a large 800m² registered block in Ipswich.
 

This is a single contract purchase, with construction kicking off in June and completion expected by December.
 

Each side includes:

• 3 generously sized bedrooms

• 2 modern bathrooms

• 1 garage

• Thoughtful design and quality inclusions

With a combined expected rental return of $1,300 per week, this property offers both strong yield and long-term growth in a location with increasing demand.
 

At a glance:

• Single contract – simple, straightforward purchase
• Registered land – ready to build
• Build starts: June | Completion: December
• 10% deposit
• High rental yield: $1,300/week est.
• Price - $1,195,000

Dual Income, One Title

Boost your rental income without doubling up on land costs.

Tax Depreciation Benefits
Brand new build means solid depreciation claims (check with your accountant).

Minimised Vacancy Risk
Two tenancies provide more stability—even if one side is vacant, you’re still earning.

Flexible Exit Strategy
Rent both, or potentially strata-title down the line (subject to approvals).

Go here to find out how you can get access this and other off-market opportunities

Here’s a dual occupancy opportunity that ticks a lot of boxes — and it’s already under construction. Located in the popular Waterlea Estate, Walloon, this single-contract property offers a great mix of strong rental potential and long-term growth, all for $975,500.
 

Property Snapshot

Land Size: 350m²
Total Build Size: 238m²
Contract: Single
Status: Under Construction
 

Occupancy 1 (Main Dwelling)

• 4 Bedrooms

• 1 Living Room

• 2 Bathrooms

• 1 Lock-up Garage

Occupancy 2 (Secondary Dwelling)

• 1 Bedroom

• 1 Living Room

• 1 Bathroom

• 1 Lock-up Garage

Great for cash flow and depreciation — and with the build already underway, you won’t be waiting 12+ months to see returns.

Why Waterlea Estate, Walloon? 

• Proven Demand: Nearly 100 lots snapped up in the first release

• Master-Planned Community: 34 hectares of parklands, walking trails, and open green space

• Everyday Convenience: Close to schools, shops, IGA, medical centre, and Walloon train station

• Easy Access: 12 mins to Ipswich, 45 mins to Brisbane via the Warrego Hwy

• Local Jobs Hub: 10 mins to RAAF Base Amberley – $1.5B expansion = 2,000+ new jobs

• Growth Forecast: Ipswich population expected to hit 520,000 by 2041

Go here to find out how you can get access this and other off-market opportunities

Loganholme Dual Key – $965,350
Registered Land | Build-Ready | Dual Income Opportunity

This dual-income is on registered land, no waiting around for titles.
 

With demand strong and infrastructure continuing to improve across the Logan region, this property is perfectly positioned for investors looking for great yield, low vacancy, and dual income potential.

The Highlights:

•  Land size: 433m² 
• Status: Registered and ready to build
• Turnkey dual key home – two incomes under one roof
• Rental – Estimated at $1,095/week
• Great location – close to schools, shops, and transport

Go here to find out how you can get access this and other off-market opportunities

This could be a more affordable solution if you have been finding yourself priced out of the market when it comes to Dual-income property.

With modern finishes, fixed pricing, and strong rental potential, this Dual-income could suit an investor or a homebuyer looking for some additional income to assist with the mortgage. 
 

At a Glance
Location: Brassall

Land is registered ready to build
Total Price: $939,000
Format: 3+1 Bed
Build: 197 sqm
Land: 462 sqm
Rental Estimate: $800–$870/week

Brassall is a rapidly developing suburb in the Ipswich region, just 5 minutes from the Ipswich CBD and under 45 minutes to Brisbane. Its affordability, infrastructure investment, and growing population make it a standout for long-term capital growth.
Infrastructure & Development

• Major upgrades to nearby highways (Warrego & Cunningham)

• New schools, shopping centres, and medical precincts

• Close to RAAF Base Amberley — Australia’s largest air force base, providing strong rental demand from defence personnel

Go here to find out how you can get access this and other off-market opportunities.