Bmoney PropertyThe Escape Plan
The Escape Plan · Bmoney Property
House prices grow faster than most people can save. That's the whole problem — you can't save your way into your own home any more. Pick the suburb you actually want and this shows you two things: the year you'd finally get there saving, and the year you'd get there letting an investment property do the heavy lifting.
Not the compromise. The suburb you'd stop searching if you landed in it.
A few numbers, and no sign-up. We don't ask for your name, your email or your address — just enough to run the maths.
We keep an anonymous record of the figures people put in, so we can see what buyers are actually up against. There's nothing in it that identifies you, and we never sell or share it. More on that below.
Where your money could go to work
markets in your range
of them grew 10%+ last year
and the supply-demand read says there's more in them
Screened on HTAG data: 12-month growth, relative risk and capital-growth scores, affordability against local incomes, and whether the market is still trading below its own long-run trend. That last one is the catch-up test — it's what separates a market with room left from one that has already run. Thresholds move as conditions do, so the number changes month to month.
Keep a copy
Sending it opens your email with the numbers already filled in — nothing is sent until you hit send.
The part nobody says out loud
You can do everything right — good job, steady savings, no silly spending — and still feel like you're playing catch-up. Here's why that feeling is real.
Wages didn't fall behind by a little. The house you want costs sixteen times what you earn, and it moves further every year you spend saving for it. No amount of budgeting closes a gap that size — the maths only works if something other than your salary is doing the growing.
Savers in Brisbane have needed another four and a half years — for the past four and a half years. The Australia Institute
How it works
The target is the deposit on the home you want. It doesn't sit still — it grows every year, along with the house. From there you've got two pathways.
Your deposit, plus whatever you can save.
House prices normally grow faster than you can put money away. So while you're saving, the deposit you need is climbing too — and usually climbing quicker. For most people in a capital city, that race is already lost.
Your deposit, plus growth on an investment property.
A property grows on its whole value, not just the part you paid for. Put your money into one and it does the heavy lifting for you — rocket fuel under your deposit instead of you pushing it uphill on your own.
Straight with you
The tool tells you how many house markets your money reaches. It won't tell you which ones — and here's the real reason why.
A suburb name on its own is close to useless. Two houses in the same suburb, ten minutes apart, can be completely different investments. Have a look.
Penrith & surrounds, NSW 2750What houses cost
Click any pocket on the map to see all six numbers for it
The grid is measured, not drawn to suburb lines — so some pockets reach into Thornton, Lemongrove, Jamisontown and Cambridge Park. That is the point: value changes by pocket, and pockets do not stop at a boundary sign.
These six are a sample. Every shortlist we build is screened against 80+ metrics at suburb, pocket and property level before anything reaches you — supply, demand, cycle position, hazard, demographics and more. Six is enough to prove the point. Eighty is what it takes to get the selection right.
Same suburb. Same postcode. One pocket is nearly all renters, the next is nearly all owners. One sits in a flood zone, the one beside it doesn't. Buy the wrong pocket and you've bought a completely different future to the one you thought you were buying.
Which pocket is right depends entirely on what you're trying to do — how long you've got, what you can borrow, whether you need growth or rent or both. We can't tell you that from a web page, because we don't know your situation yet. That's what the call is for.
The bit that should worry you if it's missing
A tool that always lands on "buy an investment property" isn't a tool. It's an ad with numbers on it. This one tells you what it finds, even when what it finds costs us a client.
What happens if you call
You'll speak to Nick, not a salesperson. It's a discovery call — we're both working out whether this is worth taking further.
Nick uses the time to understand your position, what you're actually working toward, and whether we'd work well together. He'll also be honest about how ready you are to take a next step — because there's no point starting something you're not set up to finish.
If the answer is "not yet", you'll hear that on the call, along with what would change it.
Book the call Free · 25 minutes · no obligationWith our Head of Strategy we build your plan properly — your numbers, your borrowing capacity, clear growth assumptions — and map out to the year when you'd be in a position to buy the home you actually want.
Not a template. A plan built around your situation, that you can hold us to.
When it's time to act, we handle all of it: the strategy, shortlisting and selecting the suburb, choosing the actual asset, full due diligence, street- and pocket-level analysis, the negotiation, and coordinating everything through to settlement.
You make three decisions. We do the rest.
What clients say
Verified Google reviews, shown word for word · Read them all on Google
Fit
Questions
No. It's a projection built from published market data and the numbers you typed in — general information, nothing more. It doesn't know your circumstances, it doesn't recommend a property or a market, and it isn't a prediction. Talk to your broker, your accountant and, where it matters, a licensed financial adviser before you act on anything.
All of it, in the open. We've stacked the model against ourselves on purpose — no loan paid down, no spare rent counted, no second purchase. When property still wins here, it wins fair.
| What we assumed | Value | Why |
|---|---|---|
| Deposit on the home you want | your choice | Anything from 5% to owning it outright. Under 20% usually means paying lenders mortgage insurance |
| Growth on the home you want | that market's 10-year rate | Real HTAG data to Aug 2026, not a prediction |
| Interest on your savings | 3.5% a year | Generous to saving, so the race is fair |
| Growth on the investment | 5.5% a year | Deliberately conservative. Not a forecast, and not any particular market |
| Deposit on the investment | 10% | What most investors actually put down. LMI would apply and isn't included |
| Buying costs | 5.5% | Stamp duty, legals, building and pest |
| The loan | interest-only, 80% LVR | Property gets no credit for paying debt down |
| Saving after you buy | 70% of your rate | Holding costs eat the rest |
HTAG Analytics, period ending 31 August 2026 — typical house prices, ten-year growth rates, and the pocket-level data behind the Penrith map. The affordability research is the Australia Institute's. All of it is checkable, which is why we name it.
The target halves and the dates move a long way forward, which is exactly why we let you choose. Just know that under 20% you'll almost certainly pay lenders mortgage insurance — sometimes tens of thousands — and that's not in the model. Worth a conversation with a broker before you count on it.
Because a suburb name on its own doesn't help you, and it can hurt you. The Penrith map above is one suburb with thirteen pockets — some of them nothing like each other. Picking the right one depends on your timeline, your borrowing capacity and what you're trying to achieve, none of which we know yet. Hand you a list without that and we'd be setting you up to buy the wrong thing.
We keep an anonymous record of them. Not your name, not your email, not your address — none of that is asked for and none of it is collected. Just the figures: the suburb you picked, what you have, what you're putting away, and the two dates the tool worked out.
Two reasons. It tells us what buyers are genuinely up against, which shapes how we do our work. And if you do book a call, those numbers travel with the booking so Nick already has your situation in front of him instead of spending the first ten minutes gathering it.
It is never sold, never shared, and never used to contact you — we have no way to contact you unless you book a call or email us yourself.
Never. No commissions, no rebates, no referral fees from vendors, selling agents or developers. Our fee comes from the client and nowhere else — it's the only arrangement where what's good for us and what's good for you are the same thing.
The call is free and there's no obligation at the end of it. If there's a plan worth building we'll walk you through what's involved and what it costs then, once we both know it's a fit. We'd rather quote you on something real than put a number on a web page.
Twenty-five minutes with Nick, free, no pitch. If there's nothing worth building yet, you'll hear that on the call and get your time back.
Book your callFree · 25 minutes · no pitch
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