‘Rentvesting’ your way into your dream home & investment property sooner

I know—sounds like a stretch, right? Especially with how wild the property market can feel. But that’s exactly what rentvesting offers: a way to stop putting your life on hold and start building wealth, without sacrificing where or how you want to live.

In this blog, I want to walk you through what rentvesting actually is, how it works, and why I think more people—especially first-home buyers or families looking to upsize in the future—should be considering it. Because sometimes, taking a slightly different path can get you to your goals faster than you thought possible.

The Rentvesting Reality

Rentvesting is pretty simple when you break it down. It’s when you buy an investment property in a more affordable area, while you continue to rent in the place you actually want to live. Instead of stretching your budget to buy a home that doesn’t tick all your boxes—or delaying your property dreams altogether—you take control of your future by making the numbers work in your favour.

Let me give you an example. I recently helped a couple in their early 30s who were renting in Torquay. They loved the lifestyle—the beach, the cafés, the community—but felt they were falling behind by not owning anything. Buying locally wasn’t realistic financially, so they were looking at properties further out that, truthfully, didn’t excite them.

That’s where rentvesting came into the picture.

The Upsides …and a few things to be mindful of

Of course, like any strategy, rentvesting isn’t a one-size-fits-all solution. But it does offer a lot of flexibility and freedom, which is why more and more people are jumping on board.

You’re able to enter the market sooner, without giving up the lifestyle you’ve built. You can live close to work, family, or the coast—wherever feels like home—without compromising your long-term wealth goals. Plus, you’ve got rental income helping to cover the costs of your investment property, and potential tax deductions in your favour too.

But what’s the catch?

Well, rentvesting does come with a few responsibilities. You’ll need to stay on top of budgeting, understand your cash flow, and factor in the commitment of owning a rental property—even if you’re not living in it. You’ll also want to think about your long-term goals. Is this a stepping stone to one day buying your dream home? Or are you playing the long game with multiple investments?

Either way, the key is to have a plan—and the right support around you to make it work.

So, Is Rentvesting Right for You? Maybe. Maybe not. But it’s definitely worth exploring.

If you’ve been feeling stuck—like you’re choosing between lifestyle or ownership—then rentvesting could be the missing piece. You don’t have to settle for a “just okay” home simply because it fits your budget. You might be able to invest smartly, build equity, and still live exactly where you want to be.

A quick chat with a lending specialist can help guide you through budgeting, borrowing, and property research tools to make sure your plan is solid from the ground up. No pressure, no jargon—just straight-up advice to see if the numbers work for you.

Because at the end of the day, rentvesting might just be the key to having the best of both worlds: building your future while still enjoying the now.