What Salary Do You Need to Invest & Pay Off Your Home in 10 Years? | Lauren Chapple
Built Different PodcastShow Notes
🎙️ Property Investing in 2026: Borrowing Power, Tax Changes & Scaling Your Portfolio In this episode, we’re joined by Lauren from Atelier Wealth to break down what’s actually happening in the Australian property market right now and how investors can stay ahead. We dive into the impact of negative gearing and capital gains tax changes, the truth about rising rents, and why borrowing capacity is the biggest lever for building a property portfolio. If you’ve ever felt stuck, confused by lending, or unsure how to take the next step, this episode will give you clarity. The real impact of CGT and negative gearing changes Why property investors are under pressure and what it means for you How to build a portfolio on an average income The biggest mistakes limiting your borrowing capacity How credit cards, debt, and lifestyle creep affect your growth Real client case study: paying off a $1.1M mortgage in 10 years How to use equity and refinancing to keep scaling Why timing the market matters less than taking action The mindset shift required to succeed in property investing Smart investors don’t wait for perfect conditions; they adapt. Understanding your numbers, structuring your loans correctly, and focusing on long-term growth will always outperform trying to “time” the market. First-time investors PAYG earners wanting to build wealth Anyone looking to scale beyond their first property Investors wanting to optimise their borrowing strategy Make sure to follow the podcast and share it with someone who’s on their property journey. Connect with Atelier Wealth If you're looking to build a strategic property portfolio, the team at Atelier Wealth helps investors structure finance to grow long-term wealth through property. Book a strategy call: https://www.atelierwealth.com.au Subscribe: Subscribe for weekly conversations with Australia’s top investors, entrepreneurs, and business leaders. New episodes every Monday at 7 AM. 🔑 What We Cover The real impact of CGT and negative gearing changes Why property investors are under pressure — and what it means for you How to build a portfolio on an average income The biggest mistakes limiting your borrowing capacity How credit cards, debt, and lifestyle creep affect your growth Real client case study: paying off a $1.1M mortgage in 10 years How to use equity and refinancing to keep scaling Why timing the market matters less than taking action The mindset shift required to succeed in property investing 🚀 Key Takeaways Smart investors don’t wait for perfect conditions — they adapt. Understanding your numbers, structuring your loans correctly, and focusing on long-term growth will always outperform trying to “time” the market.
🎯 Who This Episode Is For First-time investors PAYG earners wanting to build wealth Anyone looking to scale beyond their first property Investors wanting to optimise their borrowing strategy
📈 Keywords property investing australia, borrowing capacity, negative gearing, capital gains tax australia, property portfolio strategy, mortgage broker advice, real estate investing podcast, wealth building australia 💬 Enjoyed the Episode?
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