<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[IFS Mentor]]></title><description><![CDATA[IFS Mentor]]></description><link>https://www.ifsm.com.au/insights</link><generator>RSS for Node</generator><lastBuildDate>Fri, 25 Sep 2026 01:06:30 GMT</lastBuildDate><atom:link href="https://www.ifsm.com.au/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Positive Cash Flow Property: How Rental Income Helps You Build Long-Term Wealth]]></title><description><![CDATA[Many Australians begin their property investment journey searching for the "best suburb" or the property with the highest expected capital growth. While capital growth is an important part of building wealth, experienced investors often ask a different question first. "Can I comfortably afford to hold this property over the long term?" The answer usually comes back to one of the most important concepts in property investing—cash flow. A property that generates strong rental income relative to...]]></description><link>https://www.ifsm.com.au/post/positive-cash-flow-property-how-rental-income-helps-you-build-long-term-wealth</link><guid isPermaLink="false">6a6536be35380d3132b2afba</guid><pubDate>Sat, 25 Jul 2026 22:29:51 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/04ad84_1c8f3fb490e2442c92cb28c083109d46~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>peteroates61</dc:creator></item><item><title><![CDATA[How to Buy Your First Investment Property in Australia: A Step-by-Step Guide - PART 3]]></title><description><![CDATA[Part 3 Step 7 – Compare Opportunities Objectively Once you've developed a strategy, understood your finances and completed your research, it's finally time to compare potential investment opportunities. This is where many investors become overwhelmed. There are thousands of properties available across Australia at any one time. Every listing claims to be a "great investment", and every suburb seems to have supporters and critics. Rather than asking: "Is this a good property?" Ask a better...]]></description><link>https://www.ifsm.com.au/post/how-to-buy-your-first-investment-property-in-australia-a-step-by-step-guide-part-3</link><guid isPermaLink="false">6a581ade4ee79d90036ed692</guid><pubDate>Wed, 15 Jul 2026 23:47:04 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/04ad84_9dda37916d7e47759ec394e7190b901d~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>peteroates61</dc:creator></item><item><title><![CDATA[How to Buy Your First Investment Property in Australia: A Step-by-Step Guide - PART 2]]></title><description><![CDATA[Part 2 Step 4 – Understand Your Borrowing Capacity One of the biggest surprises for first-time investors is discovering that the amount the bank is willing to lend isn't necessarily the amount they should borrow. Borrowing capacity is simply the maximum a lender believes you can afford based on your income, expenses and existing debts. Your investment capacity, however, is often very different. Just because you can borrow $900,000 doesn't automatically mean you should. A successful investment...]]></description><link>https://www.ifsm.com.au/post/how-to-buy-your-first-investment-property-in-australia-a-step-by-step-guide-part-2</link><guid isPermaLink="false">6a580c46f16fbd619a4b91df</guid><pubDate>Wed, 15 Jul 2026 22:43:40 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/04ad84_9dda37916d7e47759ec394e7190b901d~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>peteroates61</dc:creator></item><item><title><![CDATA[How to Buy Your First Investment Property in Australia: A Step-by-Step Guide]]></title><description><![CDATA[Reading time: 10–12 minutes Property Investment Shouldn't Be Guesswork Buying your first investment property is exciting. It's also one of the biggest financial decisions you'll ever make. Unfortunately, most Australians begin by asking the wrong questions. "What's the best suburb?" "Should I buy new or established?" "Should I buy now or wait?" While these are common questions, they aren't the first questions you should be asking. The investors who build wealth over decades rarely start by...]]></description><link>https://www.ifsm.com.au/post/how-to-buy-your-first-investment-property-in-australia-a-step-by-step-guide</link><guid isPermaLink="false">6a5761f0846d06bbe05754d0</guid><pubDate>Wed, 15 Jul 2026 10:39:17 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/04ad84_9dda37916d7e47759ec394e7190b901d~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>peteroates61</dc:creator></item><item><title><![CDATA[Investment Drivers Affecting North Tamworth]]></title><description><![CDATA[North Tamworth sits immediately north of the Tamworth CBD and is directly influenced by a suite of local, state and federal projects and...]]></description><link>https://www.ifsm.com.au/post/investment-drivers-affecting-north-tamworth</link><guid isPermaLink="false">68c683755faff3270f8a4840</guid><pubDate>Sun, 14 Sep 2025 08:57:28 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0babb2_96f65772be994a09b6b392d452a53757~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Dominique Oates</dc:creator></item><item><title><![CDATA[Financially Lost to Financially Fit: Healing Your Relationship With Money]]></title><description><![CDATA[I often meet people who feel ashamed, overwhelmed, or even hopeless about their money. They tell me things like, “I’m just bad with...]]></description><link>https://www.ifsm.com.au/post/financially-lost-to-financially-fit-healing-your-relationship-with-money</link><guid isPermaLink="false">68c682d332130c44363a9425</guid><pubDate>Sun, 14 Sep 2025 08:54:45 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0babb2_34b30c2381f0463a94c4b375534fbdc9~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Dominique Oates</dc:creator></item><item><title><![CDATA[Government’s Fast-Tracked Home Guarantee Scheme Sparks Heated Debate]]></title><description><![CDATA[The Australian property market has once again taken centre stage this week, with the Federal Government’s announcement that its expanded...]]></description><link>https://www.ifsm.com.au/post/government-s-fast-tracked-home-guarantee-scheme-sparks-heated-debate</link><guid isPermaLink="false">68b34c4878cc0bc459d5b2c3</guid><pubDate>Sat, 30 Aug 2025 19:09:02 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0babb2_662bac66f9c64c3fba47ac240826f055~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Dominique Oates</dc:creator></item><item><title><![CDATA[ Spotlight on Daylesford: What The Block Means for This Quiet Regional Gem]]></title><description><![CDATA[Once known primarily as Victoria’s wellness capital, Daylesford is now making national headlines for another reason: it’s the 2025...]]></description><link>https://www.ifsm.com.au/post/spotlight-on-daylesford-what-the-block-means-for-this-quiet-regional-gem</link><guid isPermaLink="false">688bb0bc4f66457a2539567a</guid><pubDate>Thu, 31 Jul 2025 18:06:54 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0babb2_728183a0140442f092ee46ab97bfbbae~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Dominique Oates</dc:creator></item><item><title><![CDATA[ Australia reopens door to U.S. beef: science vs. diplomacy]]></title><description><![CDATA[What’s changed On 23 July 2025 , Australia ended restrictions that barred imports of U.S. beef raised in Canada or Mexico but processed...]]></description><link>https://www.ifsm.com.au/post/australia-reopens-door-to-u-s-beef-science-vs-diplomacy</link><guid isPermaLink="false">68821f30251a639c14892f8e</guid><pubDate>Thu, 24 Jul 2025 11:56:49 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0babb2_a5fbd8e4be0444b2a43c24b5699691fc~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Dominique Oates</dc:creator></item><item><title><![CDATA[ RBA Proposes Ban on Card Surcharges, Aiming to Save Aussies $1.2bn a Year]]></title><description><![CDATA[The Reserve Bank of Australia (RBA) has initiated a wide-reaching consultation on banning surcharge fees for multiple card...]]></description><link>https://www.ifsm.com.au/post/rba-proposes-ban-on-card-surcharges-aiming-to-save-aussies-1-2bn-a-year</link><guid isPermaLink="false">68777316b859d5b21b050e80</guid><pubDate>Thu, 17 Jul 2025 07:44:01 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0babb2_8151abd858f14375887a482d43236ce0~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Dominique Oates</dc:creator></item><item><title><![CDATA[Why Australia’s Property Market Is Holding Strong While the UK and New Zealand Decline]]></title><description><![CDATA[While property prices tumble in markets like New Zealand and the UK, Australia’s housing market continues to defy expectations — with...]]></description><link>https://www.ifsm.com.au/post/why-australia-s-property-market-is-holding-strong-while-the-uk-and-new-zealand-decline</link><guid isPermaLink="false">686e56faec209d4e744c11a8</guid><pubDate>Wed, 09 Jul 2025 11:48:39 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0babb2_c266ef2e68d9467187a3d991bfb92c74~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Dominique Oates</dc:creator></item><item><title><![CDATA[ Why the RBA Kept Rates on Hold in July — And What Comes Next]]></title><description><![CDATA[In a move that surprised financial markets and borrowers alike, the Reserve Bank of Australia (RBA) held the cash rate steady at 3.85%...]]></description><link>https://www.ifsm.com.au/post/why-the-rba-kept-rates-on-hold-in-july-and-what-comes-next</link><guid isPermaLink="false">686e05624464a5ec8d1004a1</guid><pubDate>Wed, 09 Jul 2025 06:00:36 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0babb2_ead59c2ce355488cb499b1104ace1cbe~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Dominique Oates</dc:creator></item><item><title><![CDATA[Investors drive property markets in Australia]]></title><description><![CDATA[While property markets in WA, South East Queensland (SEQ) and Northern Adelaide have posted strong, investor-fuelled gains over the past...]]></description><link>https://www.ifsm.com.au/post/investors-drive-property-markets-in-australia</link><guid isPermaLink="false">68652b6bfea789ab06ec6e53</guid><pubDate>Wed, 02 Jul 2025 12:53:54 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0babb2_d7242437d59b4b4cbfe82e08dea4d51c~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Dominique Oates</dc:creator></item><item><title><![CDATA[Why This Dual-Key Investment in Regional Queensland Stands Out in 2025]]></title><description><![CDATA[In a climate of rising interest in alternative property strategies, dual-key investments have stepped into the spotlight—and for good...]]></description><link>https://www.ifsm.com.au/post/why-this-dual-key-investment-in-regional-queensland-stands-out-in-2025</link><guid isPermaLink="false">68652a77f7be8a752ec5abdc</guid><pubDate>Wed, 02 Jul 2025 12:48:20 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0babb2_cb0ea21c056e4b9f806e4f8f3a465da1~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Dominique Oates</dc:creator></item><item><title><![CDATA[The Gold Rush Returns: Bendigo’s Bold Revival as a Regional Powerhouse]]></title><description><![CDATA[A Rich Past Forging a Bold Future Once a booming gold rush settlement in the 1850s, Bendigo carved its legacy as one of Australia’s...]]></description><link>https://www.ifsm.com.au/post/the-gold-rush-returns-bendigo-s-bold-revival-as-a-regional-powerhouse</link><guid isPermaLink="false">685d96c17d12e91fd9bbf25e</guid><pubDate>Thu, 26 Jun 2025 18:52:51 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0babb2_d97fc7b372e74bfab7146b13fe4e3185~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Dominique Oates</dc:creator></item><item><title><![CDATA[ Australia’s Inflation Falls to 2.1% — Will It Last? What It Means for the Market, Your Wallet, and the Road Ahead]]></title><description><![CDATA[Inflation  is the rate at which the general price of goods and services increases over time. When inflation is high, your money doesn’t...]]></description><link>https://www.ifsm.com.au/post/australia-s-inflation-falls-to-2-1-will-it-last-what-it-means-for-the-market-your-wallet-an</link><guid isPermaLink="false">685d06cb7d12e91fd9baa00c</guid><pubDate>Thu, 26 Jun 2025 08:40:30 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0babb2_4552df5b2bde479983df897b0d2205e5~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Dominique Oates</dc:creator></item><item><title><![CDATA[The 3 Buckets of Investments for Retirement (Australia Edition): A Smart, Simple System That Works]]></title><description><![CDATA[In Australia, retirement planning isn’t just about superannuation. It’s about creating a flexible, tax-effective income strategy that you...]]></description><link>https://www.ifsm.com.au/post/the-3-buckets-of-investments-for-retirement-australia-edition-a-smart-simple-system-that-works</link><guid isPermaLink="false">6848f0a620e6e8791eb13feb</guid><pubDate>Thu, 05 Jun 2025 02:43:09 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0babb2_44d102b815ed4db58ecb0b58f18aa4fe~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Dominique Oates</dc:creator></item><item><title><![CDATA[How Much Do You Really Need to Start an SMSF and Buy Property in Australia?]]></title><description><![CDATA[Setting up a Self-Managed Super Fund (SMSF) to buy property has become a popular strategy for Australians looking to take direct control...]]></description><link>https://www.ifsm.com.au/post/how-much-do-you-really-need-to-start-an-smsf-and-buy-property-in-australia</link><guid isPermaLink="false">6848f0a620e6e8791eb13fea</guid><pubDate>Thu, 05 Jun 2025 02:38:14 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0babb2_9cc840efe5d54a7cac3b7a169fa3c9f6~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Dominique Oates</dc:creator></item><item><title><![CDATA[Why Dual Key Properties in Lochinvar Are a Smart Investment]]></title><description><![CDATA[Dual key properties in Lochinvar, present a strong case for investors seeking yield, growth potential, and strategic positioning. With...]]></description><link>https://www.ifsm.com.au/post/why-dual-key-properties-in-windermere-estate-lochinvar-are-a-smart-investment</link><guid isPermaLink="false">6848f0a620e6e8791eb1403b</guid><pubDate>Thu, 29 May 2025 02:35:18 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0babb2_9391bbc0bac04c56853523695221f67f~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Dominique Oates</dc:creator></item><item><title><![CDATA[Post-Pandemic Boom: Logan to Beaudesert and the Rise of Regional SEQ]]></title><description><![CDATA[South East Queensland (SEQ) has become a flashpoint of rapid urban growth in Australia, and few corridors better illustrate this than the...]]></description><link>https://www.ifsm.com.au/post/post-pandemic-boom-logan-to-beaudesert-and-the-rise-of-regional-seq</link><guid isPermaLink="false">6848f0a620e6e8791eb13fe9</guid><pubDate>Thu, 29 May 2025 02:32:20 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0babb2_6536f5dac5384e86b3828890ea4130b3~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Dominique Oates</dc:creator></item></channel></rss>