Hive Wealth co

Hive Wealth co Start your property journey and build wealth with Hive Wealth Co. by your side

We paid $640,000 for this property.The bank valued it at $875,000 after we restructured the lease.That's $235,000 in equ...
01/06/2026

We paid $640,000 for this property.

The bank valued it at $875,000 after we restructured the lease.

That's $235,000 in equity — created before we spent a single dollar on improvements.

Here's the full picture:

At acquisition:
— Purchase price: $640,000
— Gross rent: $50,648 p.a.
— Outgoings paid by landlord: $18,780
— Real net income: $31,868 (5% yield on purchase)
— Lease: month-to-month

Post HIVE Acquire strategy:
— New net lease at market rent: $60,840 p.a.
— Outgoings: fully tenant-paid
— Fixed 4% annual rent reviews
— Bank valuation: $875,000

Yield on purchase price: 9.5%.
Day one equity: $235,000.
Annual income uplift: $28,972.

This is what strategic acquisition looks like. The deal was in the numbers — the gross vs net, the lease structure, the gap between passing rent and market rent.

Message us or book a call through the link below.

Most Australian homeowners are sitting on equity they don't know how to use.If you've owned your home for 3+ years and y...
29/05/2026

Most Australian homeowners are sitting on equity they don't know how to use.

If you've owned your home for 3+ years and your LVR is under 80%, you may already have access to a deposit for your next property — without saving another dollar.

This post breaks down the two-stage strategy we use with clients ready to move from one property to a portfolio.

Strategy comes before the application. That's the Hive difference.

Book a free discovery call — hivewealthco.com.au








Another settlement done — and this one is a strong example of strategy in action.Our client purchased a dual income prop...
29/05/2026

Another settlement done — and this one is a strong example of strategy in action.

Our client purchased a dual income property in Blue Haven, NSW — a main house ($620/wk) plus a granny flat ($520/wk) — held in a trust structure, with an interest-only investment loan via NAB.

The full deposit came from equity in their principal place of residence. No savings. No cash contribution.

Numbers at settlement:
✅ Purchase price: $1,170,000
✅ LVR: 80%
✅ Rate: 6.59% IO Inv
✅ Rental income: $4,940/month
✅ Loan repayment: $5,140/month
✅ Net shortfall: ~$200/month

That's a $1.17M income-producing asset with a net outlay of approximately $200/month before property expenses.

This is what happens when finance strategy and acquisition work together.

If you'd like to understand what your equity position could fund — reach out.

📩 DM us or use the link below.

The negative gearing changes didn't just affect tax.They changed how lenders calculate what you can borrow, and the flow...
29/05/2026

The negative gearing changes didn't just affect tax.

They changed how lenders calculate what you can borrow, and the flow-on effect is already hitting investor rates at second-tier lenders.

Here's what's actually happened since the budget:

Major lenders removed negative gearing from their serviceability models. Borrowing capacity dropped. Investors who no longer qualify at the big banks are moving to lower-tier lenders. That surge in demand has already pushed rates up by more than 0.50% compared to pre-budget pricing.

The market will settle. But right now, investors who don't review their structure are the ones absorbing that cost unnecessarily.

At this stage, the most important move is to get clarity on where your position actually sits before making any lending decisions.

If you want us to assess your serviceability under the new environment, DM us or book via the link in bio.

Most people think buying property is about finding the right home.It's not. It's about having the right structure before...
29/05/2026

Most people think buying property is about finding the right home.

It's not. It's about having the right structure before you find it.

This week, a client came to us looking to purchase a property in Melbourne. Before we lodged a single document, we built a complete lending strategy that covered:

→ Which lender to use — and why three others were ruled out
→ The exact cash required at settlement (equity + stamp duty + all costs)
→ A product comparison showing a $131,142 difference between lenders over 30 years
→ Clear conditions and a step-by-step process to approval

The difference between a good deal and a great one often comes down to preparation.

At HIVE Lending, every client gets a strategy document before anything is submitted. That's the standard.

If you're thinking about purchasing in the next 6–12 months and want to understand what your structure should look like — reach out to Julia directly.

Julia Bonato | Head of Lending | HIVE Lending
📞 0451 800 719
🌐 hivewealthco.com.au

We bought this property in April 2023 when most people weren't looking at Perth.That was the point.At the time, Perth wa...
28/05/2026

We bought this property in April 2023 when most people weren't looking at Perth.
That was the point.
At the time, Perth was the most undervalued capital city in Australia relative to the east coast. The gap had been building for over a decade. But the fundamentals were shifting — jobs were growing, wages were rising, migration was accelerating, and supply couldn't keep up.
The thesis was simple: Perth had to revert to the mean. It was a matter of when, not if.
So we moved.
$710,000 for a 4 bedroom house on 758m² in Warwick — walking distance to the shopping centre, close to sought-after schools, 15 minutes from the Perth CBD.
In January 2026, it sold for $1,300,000.
That's $590,000 in growth. An 83% return. In 33 months.
Not because we got lucky. Because the research was done before the market figured it out.
The same signals we identified in Perth in 2023 are now appearing in another Australian state. We are already running the analysis.
If you want to understand where the next opportunity is — and how to position yourself before the headlines catch up — that's exactly what a strategy session with Hive Wealth Co is for.
Book a call. Link in bio.

Most people think commercial property investing is only about finding a tenant and collecting rent.But the real opportun...
28/05/2026

Most people think commercial property investing is only about finding a tenant and collecting rent.

But the real opportunity often sits in the strategy behind the deal.

One of our clients purchased a commercial property in Transport Avenue, Paget for $640,000 in December.

Six months later, the property was revalued at $875,000.

That is a $235,000 uplift in valuation in roughly six months.

After allowing for acquisition costs, lending costs, valuation fees, outgoings and rental income received during the period, the estimated net profit position is approximately $155,465.

On top of that, the refinance strategy is expected to return approximately $188,750 back to the client through equity release, while still keeping the loan at a 65% LVR.

The property is also producing rental income of approximately $5,070 per month.

Based on an indicative interest only rate of 6.59%, the estimated monthly interest cost is approximately $3,123.

That leaves an estimated monthly surplus of approximately $1,946, or roughly $23,359 per year.

This is why commercial property can be so powerful when the strategy is right.

It is not just about buying the asset.

It is about understanding:

• The location
• The tenant profile
• The lease structure
• The rental income
• The finance strategy
• The future valuation upside
• The ability to recycle capital into the next opportunity

This deal is a great example of what can happen when the right property, the right lending structure and the right long term strategy come together.

Not every deal will look like this.

But when you know what to look for, commercial property can create opportunities that many residential investors never consider.

At Hive Wealth Co, we help clients look at the full picture across strategy, acquisition and lending, so every move is made with the bigger plan in mind.

If you are looking to build wealth through commercial property, it might be time to start looking beyond the obvious.

Book a strategy call with Hive Wealth Co.

28/05/2026

Most investors are focused on the Budget.

But they may be looking at the wrong thing.

While everyone is chasing tax incentives and short-term headlines, the real opportunity may still be sitting in quality assets.

Because tax breaks come and go.

Strong assets are what build long-term wealth.

At the same time, lenders are already beginning to adjust how they assess investment lending, which could impact borrowing capacity for some investors moving forward.

The question is:

Will you look back in 12 months wishing you acted sooner?

At Hive Wealth Co, we help clients make strategic property decisions built around long-term outcomes — not media noise.

If you're thinking about expanding your portfolio and want clarity around your options before policies and lending rules shift further, send us a DM saying “HIVE”.

Let’s map out a strategy.

The 2025/26 Federal Budget is designed to redirect property investors toward new builds.The incentives look appealing. T...
25/05/2026

The 2025/26 Federal Budget is designed to redirect property investors toward new builds.

The incentives look appealing. The outcomes are what matter.

At this stage, several major lenders have already started removing negative gearing from their lending calculations — before the legislation has even passed. That means borrowing capacity on existing investment properties is being reduced by 20–30% in real time.

The people you're competing with for established properties are owner-occupiers. They're not affected by the same servicing changes. That's a genuine advantage — but only for those who move while it's still available.

We are working with clients right now to lock in positions with the right lenders before this window closes.

If you've been thinking about expanding your property portfolio, the time to have that conversation is now.

Book a consultation via the link in the comments below. We'll map out exactly where you stand and what's still available to you.

— Hive Wealth Co. | hivewealthco.com.au

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