4 in 10 Australians missed at least one of the HILDA “Big 3” financial literacy questions.
Property investing adds another layer: leverage, equity, cash flow and serviceability. Take our 6-question Property Investment IQ test and see whether your strategy is built to keep growing, or whether it could eventually hit a wall.
Source: HILDA Wave 24, 2024.
Start with two property fundamentals. Then we'll test what you know about the issues that determine whether a portfolio can actually keep growing.
Get your score instantly.
Many investors build substantial equity in Australian property, only to discover that equity and borrowing capacity are two very different things.
When serviceability becomes the constraint, simply buying another Australian property using the same strategy may no longer work.
Most people won't score 100%, and the guide is how you fill it. It covers finance, tax and property selection on the domestic side for solid general knowledge, and offshore investment for those chasing the cash flow you won't find in Australia.
The same guide shows how Australian growth property and income-producing offshore assets play different roles inside one portfolio.
Australian property selected primarily for long-term capital growth.
Carefully selected offshore property designed around income, lower capital entry points in selected markets and, where available, local financing.
It isn't to replace Australian property. It's to build a portfolio that isn't dependent on continually taking on another Australian mortgage to keep growing.
If you've run out of serviceability in Australia, or want to avoid maxing out your borrowing capacity, we'll look at your existing portfolio, your cash flow and what is limiting your next move. Then we'll determine whether a Foundation & Flow strategy could be relevant to you.
Complimentary review. No obligation. General information only.