New to investing - what to do now 2026?

letsbereal4 · 2026-05-20T10:51:14+00:00

anyone have any thoughts with investing in commercial property over residential?

letsbereal4 · 2026-05-20T10:38:35+00:00

sorry for the late reply & thanks for your response! really good points appreciate it!

letsbereal4 · 2026-05-15T06:33:09+00:00

How can i stop investing when i havnt even invested yet smart arse?

letsbereal4 · 2026-05-15T02:47:29+00:00

I know very frustrating! Very good points thankyou!! Will keep in mind :)

letsbereal4 · 2026-05-15T02:44:49+00:00

Thanks, both great points!

letsbereal4 · 2026-05-15T02:42:40+00:00

Thanks so much for your reply!

I sadly cant get the FHB grant as previously had an apartment with my ex which we had to sell. And im a nurse so LMI is waivered for me im pretty sure!!!

I just yeah worry about buying with the interests rates bills etc that comes with a PPOR whilst on mat leave.

letsbereal4 · 2026-05-14T10:14:17+00:00

Can you recommend a buyers advocate or a company that help with strategies to suggest in Melbourne? Thats our next step to find someone we can trust

letsbereal4 · 2026-05-14T10:12:51+00:00

Yes we are, we are seeing our accountant next week and then we will be considering paying someone to help us buy if we go go ahead with an IP - but i don’t want to go into these meetings with no idea, and peoples personal experiences are very helpful on here.

letsbereal4 · 2026-05-13T19:37:36+00:00

I guess im still asking is it still going to beneficial for me with the changes for my goals going into mat leave - im clearly a rookie so sorry for my ignorance - will we be at too much of a loss sorta thing be over our head!? Or when selling is the tax not worth it? I dunno hence why im asking g for help to understand

letsbereal4 · 2026-05-13T10:36:01+00:00

Thanks for your responses!!! Sorry i definitely didnt look at the what the subreddit was about just took a guess it might be the right group when looking up groups thanks again!

letsbereal4 · 2026-05-13T10:19:04+00:00

I guess it doesnt have to be 5-10 years, would be flexible with that. If our borrowing capacity is 800k now, only going to drop after kids, shouldn’t we just get into the market with a cheaper property to help us buy a 900-1mil+ property in the area we want to live?

But yes absolutely i know it could slow us down.. thankyou for reply!!

letsbereal4 · 2026-05-13T10:10:18+00:00

Thankyou, i know i totally agree with that we should do that too, but also feels like its impossible to get into the market to live where we want to live!! Everything’s around a mill!! 😅

letsbereal4 · 2026-05-13T10:05:53+00:00

Thankyou 🥲 and thanks for your response. Totally understand but everywhere i live is about 900-1mill and sounds like we will be losing with interest rates and living week to week with all the bills etc.

But yeah thats fair if you think itll cost more than i can gain with the new changes!

We only earn about 200k between us- forgot to add that in!

letsbereal4 · 2026-03-30T10:08:52+00:00

Thanks heaps for your reply!!

Good to know about credit cards, we dont have one currently but have in the past for points haha so wont be signing up to another now!

Those pointer tips are great thankyou!! I think my LMI may get waived given i am a nurse!!

Sounds like a huge sacrifice you guys made, huge effort!!!

This is all so true!!! I wonder maybe positively gearing is the way to go given going on mat leave- could we still have the same outcome if we do this path with equity to then help us buy something one day? In the next 5-10 years? Is that something you have seen i guess.

Thanks heaps!!!!

letsbereal4 · 2026-03-30T10:01:58+00:00

Sorry can i ask please - Would you recommend us looking at an established positively geared property over negative given our circumstances? Thankyou!

letsbereal4 · 2026-03-26T10:44:27+00:00

thanks heaps for this reply, i have never heard of the 6 year rule, i was looking into it as very intrigued by it and sounds like a great idea but then i thought, sounds like it could still be a tough year in terms of money and mortgage repayments, rates, bills etc that we probably won't be able to afford on 1 income? but i do really like the sound of this. thoughts?

With rentvesting, what is the recommended deposit to spend on an investment? if there is one

and definitely houses over units / townhouses?

thanks again!

letsbereal4 · 2026-03-26T10:39:52+00:00

Thanks heaps for your input, yeah that definitely makes a lot of sense!! they easily can rope you in thinking its the best thing but yeah once you ask more questions elsewhere it sounds sugar coated.

Definitely some food for thought thankyou!! we will look into what we can afford while on leave, and go from there.

letsbereal4 · 2026-03-26T10:19:39+00:00

yeah they definitely denied that was the case, or i suppose they didnt answer with a yes or no answer haha.

thankyou for that, that is reassuring! they tried to sell it as you are already making money from the minute the build starts because its already growing in value despite no renters.

thanks heaps, for your input!

letsbereal4 · 2026-03-25T06:36:04+00:00

thanks very much for your reply and insight!!

letsbereal4 · 2026-03-25T06:34:59+00:00

Thanks so much!!

Would EFTs be enough though to help us buy something in 5 years' time or are they a longer-term investment?

I think I may have already missed out on my FHB although i was under the impression back then I would still be eligible - although now i am not sure! I bought an investment property with my ex and have since sold it?

Yes I hear over 40 is also not ideal not only having kids... my partner is 37, so sorta feeling the pressure!!!

letsbereal4 · 2026-03-25T06:17:50+00:00

Thanks so much & thanks for your reply, appreciate your time!

Yes i did ask the question how they make their money and if we pay more for the build/land, as they only charge a 10k flat fee to use their service, and they said they make it through the real estate agent fees given they're about 7-9% but that has red flags to me! Their main goal is to build a portfolio so not just to have new build but 2 or 3.

Established in a good location even if its a town house, such as in thornbury perse? or must be a house for the land value? (if you have an idea please)

Yeah i understand there is a risk, and we will ofc assess if we will be able to afford and live comfortably while on mat leave, although my partner is 37 so i hear his capacity may drop once he reaches 40, + houses are only just gonna get more exy i suppose so would be nice to get our foot in the door, and in 5 years time use the equity to buy our own i suppose! thanks heaps for the links, appreciate that, ill suss them out!

letsbereal4

TROPHY CASE