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Thinking about buying your first investment property in Australia but not sure where to begin? This episode breaks down the basics of property investing, giving beginners a clear and simple roadmap before making their first move.

In this first episode of Access Wealth, Dory and Ben unpack the real foundations of smart investing, your why, your borrowing capacity, your finance structure, and the research that separates confident investors from emotional decision makers.

You will learn:

◼️ Why defining your why matters

◼️ How to prepare your finances and borrowing capacity

◼️ The role of equity, valuations and loan structuring

◼️ Why location research beats buying close to home

◼️ How to avoid emotional decisions and invest with confidence

◼️ What professional due diligence includes

Timestamps:

00:00:00 - Introduction

00:00:02 Why Long-Term Success Matters

00:00:12 Basics of Property Investing in Australia

00:00:23 Common Questions for New Investors

00:00:33 Asset Types Overview

00:00:36 Understanding Your Why

00:00:45 Tax, Mortgage and Retirement Pressures

00:01:15 Seeing Your Long-Term Mortgage Outlook

00:01:53 Tax Impact Over Time

00:02:20 Mortgage Interest Reality

00:02:31 Moving Beyond the Why

00:02:44 Borrowing Capacity and Finance Structure

00:03:06 Consequences of Poor Structuring

00:03:14 Importance of Valuations and Equity

00:03:29 How Valuations Can Vary

00:03:49 Cranbourne Valuation Example

00:04:31 Finance Structure and Due Diligence

00:04:41 Knowing Your Borrowing Capacity and Equity

00:05:01 Where Most People Invest Incorrectly

00:05:14 Limited Suburb Research

00:05:23 Why Most Australians Choose the Wrong Suburbs

00:05:36 Cutting Out 99 Percent of the Market

00:05:49 Emotional Buying and Auctions

00:06:09 Importance of Proper Advice

00:06:18 Researching 15,000 Suburbs

00:06:35 Outdated Property Beliefs

00:06:56 Emotional vs Strategic Decisions

00:07:10 Overwhelm and Investment Options

00:07:23 Mapping Out the Investment Steps

00:07:44 Importance of Data and Research

00:07:56 Due Diligence and Reporting

00:08:27 Financial Inputs and Ongoing Costs

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