MoneyQuest - Geelong

28/05/2026

With the changes to negative gearing and capital gains tax… broker circles are already talking about how investors will pivot.

One strategy?

Turning homes into multi-tenant properties.
Think:
4 bedrooms.
4 bathrooms.
Different tenants renting each room separately.

And on paper?
It can look smart.
Higher rent.
Better cash flow.
Helps offset the mortgage.

But here’s the problem nobody on social media is talking about.

Banks often HATE these setups.

Why?

Because many lenders classify them as boarding houses.

Which means:
❌ They may decline the property altogether
❌ Reduce the rental income they’ll accept
❌ Or decline the loan because borrowing no longer works without the higher rent.

How do I know?

Because I’ve had clients with these exact properties…
and they struggled to get finance.

And THIS is the difference an experienced broker makes.

Not just someone who can get you a rate…
but someone who’s actually seen how these situations play out in real life.

Because experience?
You don’t get that from a 30-second TikTok.
You get it from years on the ground.

Send me a DM if you want help understanding what banks will, and won’t, actually finance.

I’m super easy to talk to and genuinely love helping people work through this stuff. No pressure, no awkward sales pitch — just a friendly conversation to see what’s possible.

BOOK HERE: https://sarahmaslenmoneyquest.as.me/schedule/7f5a0161/appointment/83742704/calendar/12785183
S

26/05/2026

25/05/2026

Not all properties grow the same. Not even close.

Growth comes down to a few key things:
People → more people moving in than out
Jobs → stable employment nearby
Supply → not too many similar properties
Infrastructure → real money being spent in the area

It’s not:
“It looks nice”
“It’s cheap”
“My friend bought there”

Growth is predictable… if you know what to look for.

If you want help spotting the right area, DM me “Plan”.

21/05/2026

Do you want to know what the smart investors are doing after last weeks budget?

And if you would like to know more, send me a DM and I can book you in for a free strategy call!

17/05/2026

Most of my clients assume they need years of savings before they can even think about an investment property.

But a lot of the time? The deposit is already sitting there, in the home they already own.

Equity is one of those things that sounds complicated but is actually really simple once someone walks you through it. That's literally what I'm here for.

If you've ever wondered what your equity could actually do for you, DM me "Plan" and we'll figure it out together. 🏡

13/05/2026

You can earn good money for 20 years and still end up with nothing to show for it.

Not nothing but nothing meaningful. No assets growing. No extra income. Just a house and a mortgage.

💰 Because: Income alone doesn’t build wealth, direction does.

An investment property isn’t about being fancy. It’s about not wasting time. If you’re done feeling like your income disappears, DM me “BUILD”.

13/05/2026

Here are my off the cuff thoughts on the budget 💰

Would you like to break it down further with me? Send me a DM and we can book a free chat!

12/05/2026

Most people don’t buy bad investment properties because they’re careless.

They buy them because they focus on what they can get approved for… instead of what will actually perform over time. There’s a big difference between buying property and buying well.

The right property can change your financial position over the next 10–20 years.

The wrong one can leave you stuck with debt, low growth, and years of lost time. That’s why strategy matters more than hype!

💬 If you want to understand what actually makes a strong investment property, DM me “PLAN”.

10/05/2026

Most investors don’t get it wrong because they’re reckless. They get it wrong because they follow what feels safe.

Approval doesn’t equal strategy. And affordability doesn’t equal performance. This is where people lose years, not in one big mistake, but in small decisions that don’t compound.

If you’re going to invest, it needs to be intentional.

Want to know where the smart money is going? DM me and we can have a chat!

07/05/2026

If nothing changes… what happens? Not dramatic. Just honest.

Five more years of:
✅ Good income, little progress
✅ Talking about investing but not doing it
✅ Watching prices move without you

And then suddenly:
❌ Kids are older
❌ Retirement is closer
❌ And options feel tighter

Doing nothing isn’t neutral. It’s a decision. If you’re ready to change direction: DM me “NEXT”.