A $4 million property on the Northern Beaches might deliver just $75,000 in total returns – around 1.9% annually. But if that same capital were invested in a high-growth market, it could generate up to $650,000 – a 16% return – in just one year.
The Northern Beaches is more than just a place to live – it’s a lifestyle many dream of. But while the local property market offers prestige and long-term security, recent years have shown that it’s not always where the best returns are found.
That’s why a growing number of savvy locals are taking a fresh approach to building wealth – by using the equity in their homes to invest in high-growth suburbs across the country.
From Homeowner to Investor: Your Next Step
Many Northern Beaches homeowners have built substantial equity thanks to years of capital growth. However, recent data shows growth here has slowed. In the past 12 months, most high-end suburbs have seen flat or even negative returns – for example:
By contrast, markets such as Adelaide, Perth, and Brisbane are booming. Suburbs like Aldinga Beach, Kurralta Park and Port Noarlunga are delivering 12–14% capital growth annually, with rental yields around 4%, pushing total returns to almost 17%.
From Dancing with the Stars Champion to Building a Life-Changing Property Portfolio – Rob Palmer’s Journey to Success with inSynergy
Rob and his family began their investment journey like many Northern Beaches families – as cautious homeowners with a growing mortgage and a dream of long-term financial security.
With guidance from inSynergy, they realised they could safely unlock equity from their home in Allambie Heights to begin building a property portfolio – without giving up their lifestyle.
Over eight years, they gradually acquired multiple properties across Brisbane, Newcastle, Perth, Gold Coast, and Adelaide. Their strategy combined data-led suburb selection, off-the-plan purchases, and a structured finance plan – resulting in a highly performing property portfolio.
In 2024, with a solid foundation in place, they chose to sell their Allambie Heights home and rentvest – upgrading their lifestyle while continuing to grow their wealth.
“When I first approached inSynergy, I was a cautious, risk-averse homeowner with a large mortgage. I assumed I’d be paying it off for 25 years. inSynergy showed me that financial freedom was much closer than I’d ever imagined.”
— Rob Palmer, Media Personality
Today, their plan includes small-scale development, positive cash flow, and early retirement on their own terms – all made possible by starting with the equity they already had.
The Rise of Rentvesting
For younger professionals and families who want the Northern Beaches lifestyle but are priced out of buying locally, rentvesting is emerging as a powerful strategy. By renting where they want to live and investing where returns are stronger, they can:
- Get into the property market sooner
- Build capital faster through high-growth areas
- Eventually use returns to fund a future home purchase
- It’s especially relevant for dual-income couples or single professionals, many of whom have high incomes and $50–100K in savings but can’t afford a $2.5M+ local home.
What is Rentvesting?
Rentvesting lets you live where you love while investing where it pays. Instead of stretching your budget to buy in an overpriced market, you rent in your ideal location while purchasing property in more affordable, high-growth areas. This strategy is becoming increasingly popular as Sydney prices continue to climb.
Is Rentvesting Right for You?
Rentvesting is a smart and flexible strategy that works for everyone. Whether you’re a first-time buyer, a growing family, or a seasoned investor, rentvesting allows you to tailor your property decisions to suit your financial goals and lifestyle. It provides the perfect balance between wealth creation and personal freedom, ensuring that you can live where you love while making your money work for you.
Make the Market Work for You
The Australian residential property market is worth $11.4 trillion – yet wealth is unevenly spread. While 2.2 million Australians invest in property, only 10% own more than three. Most own just one – often in low-performing locations.
At inSynergy, we help our clients move beyond that. With expert data analysis, financial structuring, and tailored acquisition strategies, we empower people to make smarter decisions – whether it’s their first investment or their fifth.
“While Manly prices went backwards by 15.7% last year, suburbs in Adelaide grew by up to 14% – highlighting the power of strategic investing.”
Let’s Talk Strategy
Your home is your sanctuary – and likely your most valuable asset. But its true power lies in what it can unlock.
Whether you want to grow a portfolio, retire early, or help your kids into the market, inSynergy can help you get there faster – without compromising your lifestyle.
Visit www.inSynergy.net.au to request a complementary consultation with one of our experienced Property Wealth Planners.
