Ep. 66 | From Deposit Roadblocks to Smart Pathways into the Property Market
Thu Jan 29 2026
We unpack how families can help first-home buyers enter the market without risking retirement, and why honest conversations plus clear numbers beat media noise. Practical steps include guarantors, 5% deposit schemes, rentvesting, and legal safeguards for gifts.
• social pressure and silence blocking helpful family talks
• role of the mortgage broker as long-term advisor
• apartments and location as smarter first steps
• four family help paths: guarantor, gift, silent stake, co-borrow
• using splits, offsets, and timelines to remove guarantees
• 5% deposit schemes and avoiding lenders’ mortgage insurance
• rentvesting to boost borrowing capacity
• legal protection for gifts and fairness across siblings
• savings incentives, living at home, and granny flats
• career trajectory, buffers, and repayment resilience
As you all know, we love it when you leave feedback, share it with a friend, share it with someone in your network, and make sure you subscribe so you never miss an episode
If you've enjoyed today's episode, make sure that you subscribe, leave a review, and share it with someone in your community
We encourage all of our listeners to share their questions and ideas that they would like to know more on
You can contact us at ask@capital.com.au
Episode Resources:
More on Michael Killiner
___________________________________________________________________________________________
The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!
We draw on over 30 years of experience from David Andrew and the Capital Partners team.
For more information on Capital Partners' award winning team, visit capital-partners.com.au.
Have a question? Email us ask@capital-partners.com.au.
This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.
Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.
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We unpack how families can help first-home buyers enter the market without risking retirement, and why honest conversations plus clear numbers beat media noise. Practical steps include guarantors, 5% deposit schemes, rentvesting, and legal safeguards for gifts. • social pressure and silence blocking helpful family talks • role of the mortgage broker as long-term advisor • apartments and location as smarter first steps • four family help paths: guarantor, gift, silent stake, co-borrow • using splits, offsets, and timelines to remove guarantees • 5% deposit schemes and avoiding lenders’ mortgage insurance • rentvesting to boost borrowing capacity • legal protection for gifts and fairness across siblings • savings incentives, living at home, and granny flats • career trajectory, buffers, and repayment resilience As you all know, we love it when you leave feedback, share it with a friend, share it with someone in your network, and make sure you subscribe so you never miss an episode If you've enjoyed today's episode, make sure that you subscribe, leave a review, and share it with someone in your community We encourage all of our listeners to share their questions and ideas that they would like to know more on You can contact us at ask@capital.com.au Episode Resources: More on Michael Killiner ___________________________________________________________________________________________ The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life! We draw on over 30 years of experience from David Andrew and the Capital Partners team. For more information on Capital Partners' award winning team, visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788. ...