Why Chasing the Dream Home Could Be Holding You Back
For many Australians, the dream has always been simple: save for years, buy your forever home, and settle down. But in 2025, that dream is starting to look more like a financial trap than a goal.
With sky-high prices in Sydney, Melbourne, and Brisbane, and the cost of living still biting, more young Aussies are finding themselves locked out of the market—or buried under a single, massive mortgage.
That’s where rentvesting comes in.
It’s a strategy that’s helped dozens of our clients at PropertyNXT get on the property ladder sooner, grow their portfolios faster, and live where they love without compromising on lifestyle or wealth-building.
What is Rentvesting, and Why is It So Popular Right Now?
Rentvesting simply means renting where you want to live, and buying where you can afford (and profit).
Instead of chasing a million-dollar home in a blue-chip suburb, rentvestors buy investment properties in high-growth areas, often in smaller cities or regional markets, and rent out those properties while continuing to live in a rental of their own—usually closer to work, friends, or lifestyle amenities.
It’s smart. It’s flexible. And in this current market, it makes more financial sense than ever.
Why Owning Your Dream Home May Not Be So Dreamy
Let’s say you’ve been eyeing a terrace house in inner-west Sydney or a modern apartment in the heart of Melbourne. Median prices are pushing $1.2M to $1.5M, and that’s before interest, taxes, and ongoing costs.
If you stretch to buy that property:
- You’ll likely be repaying a massive loan for decades
- You might have little room left to invest elsewhere
- You’re vulnerable to market fluctuations in one location.
Now contrast that with buying an $600K investment property in a high-growth market like Perth, Adelaide, or Canberra:
- Entry costs are lower
- Rental yields are stronger
- You can rent where you want, and own what grows
And you can always buy your dream home later—once your investments have helped you build the equity to do it comfortably.
The Financial Benefits of Rentvesting
At PropertyNXT, we’ve helped clients build their wealth faster through rentvesting. Here’s why it works:
1. You Get On the Ladder Sooner
Waiting to save a 20% deposit for a million-dollar home could take years. With rentvesting, you can enter the market now with a more affordable property.
2. You Let the Market Work for You
Rather than tying everything to one suburb, you can invest where the market is growing fastest—capitalising on both rental income and capital growth.
3. Tax Benefits & Flexibility
Many investment-related expenses are tax-deductible, including loan interest, maintenance, and depreciation. And since it’s not your primary residence, you can sell when the time is right without disrupting your lifestyle.
4. Live Where You Actually Want To
Maybe your ideal home is in a trendy neighbourhood or close to the CBD—but it’s simply not financially viable (yet). Rentvesting lets you live the life you want now, while investing in your future.
Rentvesting Isn’t Just a Strategy—It’s a Mindset
Cilla & Luke have always said:
“Too many people fall in love with their home before falling in love with their finances.”
Rentvesting puts your financial goals first. And at PropertyNXT, we help you:
- Identify the best suburbs for capital growth and rental demand
- Evaluate what you can borrow and afford
- Understand the long-term plan to transition from rentvesting into owning multiple properties—or even your dream home
Where Are Rentvestors Buying in 2025?
Our clients are seeing excellent results in:
- Perth – Strong rental demand, high yields, and lower entry prices
- Adelaide – Consistent growth, solid infrastructure investment
- Canberra – Government-backed stability, 4.1% yields, 0.9% vacancy
- Regional Queensland – Great returns, and added PR points for overseas buyers
What to Consider Before You Start
Rentvesting isn’t for everyone—but if you:
- Feel priced out of buying in your dream suburb
- Want to start building wealth sooner
- Prefer flexibility over being tied down by one mortgage
- Want options in the future, not just one big commitment
…then it’s worth a serious look.
We’ll help you weigh up:
- Rent vs buy costs in your current area
- The best investment locations based on your budget
- Your long-term goals—and how to reverse engineer them
Final Thoughts: The Dream Doesn’t Have to Be All or Nothing
You don’t have to choose between living well now and investing for the future. Rentvesting lets you do both—with the right strategy, guidance, and timing.
At PropertyNXT, we believe your investment journey should be tailored, smart, and stress-free. Whether it’s your first step into the market or the next move in a growing portfolio, we’re here to help you do it wisely.
Let’s Talk About Your Investment Goals
Explore rentvesting with PropertyNXT
