Hibernian Wealth Australia

21/09/2026

Underway in Hervey Bay . Stage TWO

21/09/2026

Capital Growth is how you get rich, right? That's what "they" say! We say it's Fools Gold and always has been. Cash Flow rich is much better! Equity doesn't pay for things. Cash does. Take a look at aged care spending as a share of GDP that was published today in the Intergenerational Report. Look at the growing demand on aged care costs to the Federal Budget.

Where are all the wealthy self funded retirees proving that all that growth from the last 30 years made them rich and reduced their dependency on Govt ? It should be showing up in the data by now in very clear terms but it's nowhere to be seen. We are seeing the opposite. It proves what we have said for years. Asset rich and cash flow poor isn't any way to live.

Buy assets that you can generate good income from in retirement and separate yourself from the herd who are increasingly reliant on Govt to keep them afloat - our Dual Occ's are just the ticket!!! Two rental incomes from one property. Very simple stuff. Effective though!

15/09/2026

The holding cost conundrum is starting to bite! The decision to buying a property is just the beginning of the experience. Holding the property is where the work begins. Losing 25-30K per annum is what people fail to consider. Perhaps that's because they've only ever seen rates fall for the last 30 years . But as we have been telling y'all for many years now, you need to accept that cash flow and debt reduction is the new black. This is why we recommend DUAL INCOME properties. Be smarter than the average bear . Our clients do NOT have these problems.

08/09/2026

First Home Buyers of Hervey Bay. You can pay your home off about 14 years faster* and save more than $605,000*

Instead of spending $1.1 Million building a 4 bedroom home from one of the local project home builders, you can do something quite a bit smarter or the same amount of money.

Build one of our Primary and Secondary Dwellings instead. It will cost you about the same and the secondary dwelling will give you an extra source of income so that you can make extra repayments on your mortgage .

Depending on the vacant lot you buy , you should expect the total price of the land and the turn key build to be around 1.1 Million in The Outlook Hervey Bay

You live in the 4 bedroom house and rent out the 2 bedroom granny flat for @$550-600 per week. That's $2200 per month in additional income which you can use to make extra repayments on the mortgage. By doing so, you'll pay the property off in about 15 years and 9 months instead of 30 years and save more than 605K on the total repayments.

Just take a look at the example below where we have assumed you have spent $1.1 Million and borrowed a 90% LVR loan of $990,000 . We have assumed a 30 year P&I loan and an interest rate of 5.99% P&I ( but you can probably do a bit better and save even more, FYI) Based on those assumptions, if you were to pay $2200 per month extra towards the mortgage ( the rent from the secondary dwelling) you'd save 14 years and 3 months on the 30 year loan term and you'd save over $605,000 in total repayments

If you would like to be smarter than the average bear, get in touch

07/09/2026

Nikenbah , Queensland. Another of our fantastic dual income properties has just been completed.

06/09/2026

05/09/2026

If you are a First Home Buyer or Owner Occupier living in the Bundaberg or Hervey Bay areas, we can help you get ahead of the curve.
1. Build one of our Primary and Secondary Dwellings . Depending on the vacant lot you buy , you should expect the total price to be around 1.1 Million in Hervey Bay ( Nikenbah) and 1.2 Million in Bundaberg ( Bargara, Innes Park, Coral Cove or Eliott Heads)
2. Live in the house and rent out the granny flat .
The rent from the granny flat ($550-600 per week) will give you at least $2200 per month in additional income which you can use to make extra repayments on the mortgage.
By doing so, you'll pay the property off in about 16.5 years instead of 30 years and save more than 635K of total repayments - all entirely CGT free .
3. Don't believe us? See for yourself.... In the example we have assumed you have spent $1.2 Million and borrowed a 90% LVR loan of $1,080,000 . We have assumed a 30 year P&I loan and an interest rate of 5.99% P&I ( but you can probably do a bit better and save even more, FYI) Based on those assumptions, if you were to pay $2200 per month extra towards the mortgage ( the rent from the secondary dwelling) you'd save 13 years and 8 months on the 30 year loan term and you'd save over $635,000 in total repayments - all completely CGT free if you ever sell , because it's a Principal Place of Residence . Tell us that isn't worth doing!!!!

If you would like to be smarter than the average bear, get in touch.

01/09/2026

01/09/2026

Elliott Heads QLD. Our latest Dual Occ just landed!

If you are an investor, get two rents instead of one and get all the usual tax benefits that are now only available with NEW builds

If you are a First Home Buyer or Owner Occupier, live in the house and rent out the granny flat . The rent from the granny flat will give you more than $2200 per month which you can use to make extra repayments on the mortgage. By doing that you'll pay this property off in about 16.5 years instead of 30 years and save more than 635K of total repayments - all entirely CGT free .

Just one simple question; are you interested in getting ahead of the curve by being smarter than the average bear , or are you content being stuck on the same curve as everyone else by following the herd ?

19/08/2026

Progress !