No, you don’t need a huge deposit to start investing. Many Thrive clients begin with usable equity or a 10% deposit plus costs, depending on their finance setup (source: Canstar, 2024). With the right support and structure, you can make your move sooner than you think.
It depends on your situation, but many clients begin with a 10–20% (plus costs) deposit or by unlocking equity in their existing home. Thrive helps you understand what’s possible now, no guesswork, no pressure, just clarity and a smart plan tailored to your financial position.
Absolutely. Most of our clients use equity in their home or existing investment properties to fund an investment. Thrive’s preferred lending partners help assess your borrowing power, calculate your risk, and find lending solutions that don’t compromise your lifestyle or future.
Yes, it’s known as “rentvesting.” Thrive helps many clients build wealth through property while renting in their preferred lifestyle location.
That’s where Thrive shines. You don’t need all the answers, you just need to be open to the conversation. We’ll listen to your story, help you define and set your goals, and guide you one step at a time. Our job is to make property investment feel less overwhelming and more achievable.
Yes, it’s one of the most powerful tools you have to build your portfolio. With the help of our preferred funding partners, Thrive helps you safely unlock equity and structure your finances so you can invest without compromising your lifestyle or sleep at night.
LVR is your loan amount compared to the property’s value. Lower LVR = less risk and better interest rates. Thrive’s preferred lending partners help you calculate safe LVRs and structure finance that protects your future.
Yes, via a self-managed super fund, though it comes with strict rules. Thrive connects you with qualified professionals (or works with your existing team) and ensures that the property you invest in suits the long-term goals of your fund and complies with regulations.
Yes, Australian real estate has historically delivered strong capital growth and rental income. But not all properties are equal. Thrive helps you invest strategically and ethically, without bias or hidden agendas. We work for YOU, not for builders, developers or sales agents.
There’s no perfect time — the best time is when you’re financially ready and guided by the right strategy. Thrive takes the time to understand your personal circumstances, helps you assess market timing and various other market conditions to make informed, confident decisions that serve your future, not someone else’s bottom line.
Most property investment firms get paid by developers or builders to “sell” you a piece of real estate, we don’t. Thrive is 100% fee-for-service and entirely aligned to your outcome. That means no upselling, no pressure, and no conflicts of interest — just clear, ethical guidance that puts you first.
It’s about more than picking a “hotspot.” We look at employment hubs, infrastructure, population growth, rental demand, and lifestyle appeal. Thrive takes the emotion out and replaces it with data-backed insights and national market knowledge.
The “best” locations depend on infrastructure, population growth, job creation, and affordability. Thrive helps you avoid speculation and identify high-performing, sustainable areas, not just hotspots hyped by media or property marketers.
Smart investing is about strategy, not guesswork. Thrive helps you select properties based on data, demographics, and growth trends, not emotion or sales pressure. We’re here to help you make calm, confident decisions.
A good investment aligns with your strategy, grows in value, attracts quality tenants, and supports your long-term financial goals. Thrive conducts thorough analysis across all these fronts, giving you total confidence in every decision you make.
New builds offer better tax deductions and fewer repairs, while established homes may offer renovation upside. Thrive evaluates both options through a completely independent lens — we have no financial ties to builders or developers, so you can trust our advice is 100% in your best interest.
Both work. Thrive identifies regions or metro areas with strong fundamentals. Our job is to provide you the best investment opportunity in line with your goals and lending capacity.
Typical costs include stamp duty, legal fees, building inspections, and lending costs. Thrive provides a clear breakdown of all upfront and ongoing expenses before you commit, so there’s no surprises.
Think council rates, property management fees, maintenance, insurance, and loan interest. At Thrive, we break these down clearly and show you exactly how your property is expected to perform, no surprises, just straight facts.
Yes, stamp duty is payable and varies by state and property type. Thrive factors this into your upfront costs and helps you explore any concessions or planning options available.
You can claim many expenses, including interest, property management fees, insurance, and depreciation. Thrive works with specialist accountants (or your own) to ensure you maximise every tax benefit available, without overstepping.
Depreciation lets you claim a tax deduction for the wear and tear on your property and fittings. New builds offer higher deductions. Thrive ensures you receive a detailed depreciation schedule and explains how this boosts your cash flow — often significantly.
Capital growth is the increase in your property’s value over time, it’s how wealth is built in real estate. Thrive helps you focus on areas with long-term growth potential backed by infrastructure, jobs, and demand, not short-term hype.
It depends on your goals. Capital growth builds long-term wealth, while yield helps with cash flow. At Thrive, we take a holistic view and often find ways to balance both — you shouldn’t have to sacrifice one for the other.
Rental return is the income your property generates. Thrive helps you choose properties with strong tenant demand, fair rent pricing, and reliable long-term income so your investment works for you, not the other way around.
Yield is the annual rental income divided by the property’s value. Return includes both rental income and capital growth. Thrive helps you evaluate both when assessing potential investments, so you’re never chasing one at the expense of the other.
Positive gearing means your rental income exceeds expenses. Negative gearing means your expenses outweigh the rent, which can reduce taxable income. Both have merits, and at Thrive, we help you determine the best gearing strategy to suit your income, goals, and lifestyle.
Negative gearing allows you to offset property-related losses against your taxable income. At Thrive, we explain how this strategy works in plain language and help you decide whether it suits your long-term goals and cash flow needs.
This occurs when your rental income exceeds expenses. Thrive helps you assess the cash flow benefits and tax implications of positive gearing, and whether it aligns with your financial strategy.
