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Have you considered this strategy as First Home Buyer ?

Rent-vesting' !!

Are you familiar with the term ?

Rent-vesting is when you rent where you want to live and invest where you can afford to buy (this is a strategy sometimes used by first home buyers to help them enter the property market a little sooner).

But why would someone consider this option ?

What's the upside ?


Allows you to break into the property market sooner with a smaller deposit, as opposed to waiting several years until you are able to afford your dream home

Live the lifestyle you want. If rental prices allow, you can live in your dream home now and not have to compromise on location or features, and you don't have to worry about taking on the long-term commitment of a big mortgage.

Build Wealth. Rent-vesting allows you to start building your investment property portfolio, which can be used to generate wealth for you and your family in the future.

Save for your dream home. Owning an investment property allows you to save to buy your dream home.

Flexibility. When you're renting, you can easily upgrade or downgrade to a different home if your circumstances change, for example, if you lose your job or get a high-paying promotion, with no stamp duty expenses or legal costs to worry about.

Move around. If you're not ready to put down permanent roots in a particular area, rent-vesting gives you the freedom to move around and even travel the world if you wish.

Tax benefits. You can claim interest payments on your investment property loan as a tax deduction.

Choose where to invest. Where you want to live and the best place to buy an investment property often won't be the same, so rent-vesting allows you to be ruthless when it comes to choosing an investment.

However, every upside has a downside. You just have to work out which one outweighs the other.


Buying an investment property before purchasing your own home can seem counter-intuitive to many people.

The old adage that "rent money is dead money" may be a deterrent for some people considering this approach.

You don't own the home you're living in. As much as you may love your rental property, you don't own it. This can be especially difficult if you form an emotional connection to a house but then the landlord wants you to move out.

You can't make it your own. Although a rental property might be vastly improved by a renovation project or simply a fresh coat of paint, remember that it's not yours to tinker with.

If you can get past those 'Cons' it may be something worth considering if you're keen to enter the property market sooner, rather than later.

There are many different ways you can enter the property market as a first home buyer, so this is just another option to keep in mind. Only you can decide which one will work best for you and your individual situation.

Source :

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