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MoneyBrain

Property Investment Strategists and Mortgage Brokers serving Australia Wide

10/12/2025

A big week at Money Brain 🏠📈
Just finished valuations for 4 clients.
21 properties.
$3.46 million in equity created.
Built over 2020-2025.
The best part?
Every single property we helped them buy outperformed the suburb average.
Top 3 performers:
🥇 Camillo, WA — +11% above suburb | $2,169/wk growth
🥈 Elizabeth Vale, SA — +10% above suburb | $1,495/wk growth
🥉 Brookdale, WA — +8% above suburb | $1,734/wk growth
It's not just about picking the right suburb.
It's about picking the right property IN that suburb.
Average property: $1,625/week equity growth.
Full breakdowns dropping this week. Stay tuned 👀

04/12/2025

I’m Darren, the founder of Money Brain.

But the titles—broker, strategist, business owner—aren’t really who I am.

I grew up in Scotland and graduated with First Class Honours in Physics. I had three paths in front of me: Medicine, a PhD in medical research, or finance. Then a family tragedy changed everything.

Life got real, fast.

My plans shifted. I went into research, then structural engineering, then applied finance and property development. Eventually I realised something: my brain is built for solving complex problems, but my heart is built for helping people through them.

That’s what created Money Brain.

A planning-first, strategy-led brokerage designed to give families clarity and confidence—not just approvals.

My own goals are long-term:
– $1M income through the business
– Then transitioning to passive income through investments
– Everest Base Camp with Noah
– Qualifying for UCI Gran Fondo
– A life with Joey and the kids that feels aligned, honest and present

Life is short, but you also have to plan long-term.

And I want my clients to feel the same thing I fight for every day:
Control over their money, instead of money controlling them.

If you’re trying to build wealth without losing yourself along the way, that’s where I fit best.

01/09/2024

Brisbane's housing market saw an impressive 64% growth from trough to peak during the pandemic and has now reached a new price peak.

At Metropole Brisbane, we're witnessing strong demand from both home buyers and property investors for A-grade homes and investment-grade properties.

However, supply is struggling to keep up with rising demand, which continues to drive home values higher.

While Brisbane's auction market dipped at the end of last year, it has never been a city with a high auction volume. As seen in the chart below, the Brisbane auction market has been strong throughout 2024, indicating that property prices will likely continue to rise.

29/08/2024

Investor borrowing rises 41.3% in just 15 months!

The past 15 months have seen an astonishing surge in investor activity, and there's no sign of it slowing down.

Back in March 2023, investor activity hit rock bottom with $7.797 billion in home loans. Fast forward to June, and that number has skyrocketed to $11.016 billion – an incredible 41.3% increase, according to the Australian Bureau of Statistics.

So, what's driving this investor boom? Here are the top 4 reasons:
🏠 Property prices are rising
📈 Rents are climbing
📉 Vacancy rates are very low
📉 Interest rates may have peaked

While owner-occupier borrowing has also increased by 15.7% over the same period, it's clear that investors are leading the charge.

25/08/2024

The average new owner-occupier mortgage in Australia has reached a record high of $636,597 and is expected to continue rising along with property prices in key states.

Over the past year, the national average has surged by $56,357, which equates to a daily increase of $154, despite the cash rate being at its highest since November 2011.

Every state saw a rise in the average new owner-occupier loan size this month. NSW tops the chart with the largest average new mortgage at $780,028, as per the latest ABS lending indicator figures.

Although this figure has been climbing for the past four months, it remains below the peak of $803,235 recorded in January 2022.

The average new loan size for owner-occupiers hit record highs in Queensland, South Australia, and Western Australia.

In Western Australia, the average new owner-occupier mortgage has jumped by an incredible $93,967 over the past year – a 19.9% increase, which is $257 a day!

22/08/2024

National home values rose 0.5% in July, marking the 18th consecutive monthly increase, matching the growth rate recorded in June.

Despite the positive headline, momentum is clearly slowing, and market conditions are becoming more varied.

Over the past three months, three capitals have seen declines in values. Melbourne led with a -0.9% fall, followed by Hobart at -0.8%, and Darwin at -0.3%.

Sydney's rolling quarterly growth has significantly slowed to 1.1%, compared to a robust 5.0% gain in the same period last year. 🏡

13/08/2024

Fresh Housing Assistance from the Government! 📢

Great news for and single parents! The federal government has introduced an additional 50,000 places in the Home Guarantee Scheme for FY25.

Here's what's included:
-35,000 places for the First Home Guarantee: Eligible first home buyers can purchase with a 5% deposit without paying Lender's Mortgage Insurance ( ).
-10,000 places for the First Home Buyer Guarantee: Similar to the above but for eligible regional buyers.
-5,000 places for the Family Home Guarantee: Eligible single and single legal can buy with a 2% deposit without paying LMI.

Address

1 Grant Avenue
Hope Island
4212

Telephone

+61406117918

Website

http://money-brain.com.au/

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