Stop Whining About Property Prices

Stop Whining About Property Prices and Start Winning Instead

Ah, the great Australian pastime: complaining about property prices. Forget cricket, footy, or barbecues—these days, nothing unites Aussies more than a good old-fashioned whinge about how “owning a home is impossible” and “only Boomers can afford property.”

Meanwhile, house prices keep going up, interest rates are doing the cha-cha, and somehow, that one guy from school who could barely pass Year 10 maths now owns three investment properties and a jet ski.

So, instead of shaking our fists at the sky and blaming the government, the banks, foreign investors, avocado toast, or Mercury in retrograde, let’s talk about how to ditch the doom-and-gloom mindset and actually get ahead.

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1. Property Prices Are High—And?

Yes, property is expensive. It always has been. If you think your parents just waltzed into a three-bedroom house in Sydney for $50 and a handshake, think again. They sacrificed too—skipped holidays, lived on baked beans, and didn’t upgrade their iPhone every year.

Today, people expect to own their dream home from day one, fully renovated with a pool and a butler’s pantry. Reality check: your first home isn’t supposed to be your forever home. Buy what you can afford, build equity, and upgrade later.

Solution: Stop waiting for the “perfect time” (spoiler: it doesn’t exist) and start where you can.

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2. You Can Afford Property—Just Maybe Not Where You Want

If you only want to buy within 10 minutes of the Sydney Opera House, then yeah, property is “unaffordable.” But have you looked further out? Regional areas, outer suburbs, and even interstate markets are booming.

Some people act like moving 45 minutes out of the city is the same as being exiled to Antarctica. Newsflash: Australia has trains, roads, and internet—and more people than ever are working remotely.

Solution: If you can’t buy where you want, buy where you can—then leverage that equity to get closer to your dream location over time.

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3. Stop Waiting for a Crash That Isn’t Coming

Every few years, the media tells us property prices are going to crash. And every few years, they don’t. If you’ve been sitting on the sidelines waiting for the market to collapse, congratulations—you’ve successfully watched prices go up by another 20% while you did nothing.

If you’re hoping for a housing crash so you can swoop in and buy cheap… be careful what you wish for. Crashes happen when the economy tanks, people lose jobs, and banks stop lending—not exactly the dream scenario.

Solution: Instead of waiting for disaster, educate yourself, save a deposit, and make a move while you still can.

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4. Interest Rates Aren’t “Too High”—They Were Just Too Low Before

Yes, interest rates have gone up. But let’s be real—those 2% home loan rates were never normal. If you thought borrowing half a million dollars for the price of a Netflix subscription was going to last forever, I’ve got a bridge to sell you.

Interest rates were over 17% in the 1990s, and people still managed to buy homes and build wealth. Today, they’re hovering around 5-6%—which, historically speaking, is pretty standard.

Solution: Instead of stressing over what you can’t control, focus on what you can—earning more, saving smarter, and managing your debt wisely.

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5. You Don’t Need to Be Rich—You Need to Be Smart

People love to say, “I can’t afford to buy property,” but then drop $20,000 on a new car, $200 a week on Uber Eats, and $800 on a weekend festival trip. No judgment—but if you say you “can’t save,” yet somehow afford a lifestyle that would make a Kardashian jealous, something’s off.

Wealthy people don’t necessarily earn more—they make better choices with their money. They invest, they take calculated risks, and they play the long game.

Solution: Track your spending, make sacrifices (yes, even the fancy coffee), and prioritise assets over liabilities.

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6. The Sooner You Start, the Easier It Gets

The hardest part of property investing is getting your foot in the door. Once you own a property, equity builds, rents rise, and opportunities grow. The people you envy now for owning multiple properties? They probably started small and smart, then built from there.

Every year you wait makes it harder, not easier.

Solution: Even if you’re starting late, start now. The best time to buy was yesterday. The second-best time is today.

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Final Thoughts: Less Whining, More Winning

Yes, buying property is challenging—but that doesn’t mean it’s impossible. The people getting ahead aren’t luckier than you; they’re just playing the game smarter.

So, instead of waiting for a miracle or complaining about how “hard it is,” channel that energy into actually making a plan. Learn, save, invest—and before you know it, you’ll be the one people are complaining about.

Because trust me, there’s nothing more satisfying than someone saying, “You’re so lucky” when you know luck had nothing to do with it.

www.rossthemortgagebroker.com

ross@strategicbroker.com.au

0448 523 572