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Why the bigger salary so often builds the smaller portfolio Two men, same age, same city, same dinne...
The weekly newsletter for property investors who want a framework, not a forecast.
Property Notes.
Published every Saturday morning. One topic, worked through properly, with real numbers, a practical framework, and a case study you can map to your own portfolio.
Join investors reading Property Notes every week. Unsubscribe any time.
What do I get?
Most property content is either too vague to act on or attached to something being sold. Property Notes is neither.
Each edition covers one decision serious investors face: interest-only loan rollovers, debt-to-income limits, serviceability buffers, portfolio sequencing. Worked through with a clear framework and real numbers. No market predictions. No promotional content. No watered-down advice designed not to offend anyone.
If you're building a portfolio and want to think about it more clearly, it's worth a read.
Get it in your inbox every Saturday.
Worth a read every Saturday.
If the editions above are the kind of thinking you want more of, subscribe below. It's free, it's weekly, and you can unsubscribe any time.
What Property Notes covers
One topic per edition. Every edition is in the archive below.
1
Strategy
Portfolio structure, asset sequencing, and the decisions that shape how a portfolio performs over 10–15 years.
2
Finance
Interest-only loans, debt-to-income limits, serviceability buffers, and the mechanics of how lenders actually assess borrowing capacity.
3
Numbers
Cashflow modelling, yield analysis, and the figures that tell you whether a market or asset is worth your time.
4
Mistakes
The common errors investors make. What they cost, when they happen, and how to avoid them.
5
Process
Decision frameworks and checklists for the moments that matter: acquisition, rollover, refinance, and portfolio review.
6
Mindset
How serious investors think about portfolio building differently, and why most people stall well before they need to.
Our past editions
The federal budget didn't just shift the tax math. It changed which order you buy in. Here's a trap ...
Three changes in one announcement, and a math problem most coverage is skipping. The 50 percent CGT ...
Most of the commentary is focusing on the wrong number. Here's what actually changes for a serious i...
At 6%, cash sitting in the wrong place is costing you. Here's how to fix it. Ask a property investor...
Same income. Same bank. Two properties at the same price. One opens $230k more room to borrow for P4...
Most investors assume borrowing capacity is about income. Earn more, borrow more. And for the first ...
The residential vs commercial debate gets treated like a personality type question. Some investors s...
Most investors go interest-only because their broker said it keeps repayments low. Which is true. An...
Most property investors have two kinds of debt sitting side by side and don't realise they're treate...
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Worth a read every Saturday.
If the editions above are the kind of thinking you want more of, subscribe below. It's free, it's weekly, and you can unsubscribe any time.