17/06/2026
Pay off your home first, then invest. It is one of the most common pieces of financial advice in Australia, and right now it is one of the most expensive.
Reducing debt on your owner-occupied property feels responsible. But the strategy does not build wealth at the rate most people need. Leveraging your equity and moving it into high-performing assets will put you in a far stronger financial position than chipping away at your mortgage.
One of our clients purchased a property for $550,000. It is now worth $920,000. That is $370,000 in capital growth in just a few years. How many people do you know who could pay down $370,000 in debt in the same timeframe?
The numbers have changed. The strategy needs to change with them.
Drop a comment below if you have been given this advice before.