REVEALED: THE BIGGEST BLOCKERS TO PROPERTY SUCCESS

When it comes to property investing, most people don’t fail because they picked the wrong suburb or mistimed the market. They fail before they even begin — not from bad decisions, but from the wrong beliefs.

Property commentators Bryce Holdaway and Ben Kingsley say mindset is often the biggest barrier, not money or opportunity. After two decades advising Australians on how to build wealth through property, and being investors themselves, they’ve seen how a few common myths can keep people stuck on the sidelines.

Here, they break down the six most damaging beliefs holding Australians back and reveal the mindset shifts that could make all the difference.

Myth 1: “You Need to Be Rich to Invest”

This is the most common belief that holds people back. Many assume property investing is reserved for high-income earners or people who already have significant wealth.

In reality, wealth is built by what you do with your income, not how much you earn. Holdaway and Kingsley have worked with teachers, tradies, nurses and young professionals who all started with modest savings. The difference? They followed a strategy aligned to their goals, avoided spruikers, and played the long game. You don’t need to be rich — just intentional.

Myth 2: “I Need to Learn Everything Before I Start”

Education matters, but perfectionism is progress’s worst enemy. They’ve met countless people stuck in a loop of reading books, attending webinars, and watching YouTube videos — and never taking the first step.

Property investing is a marathon, not a sprint. You don’t need all the answers before you begin. You need a clear goal and a trusted process.

Myth 3: “I Missed the Boat”

We hear this every time the market rises. And yet people were saying the same thing 10, 20, even 30 years ago.

The truth? The best time to invest was yesterday — the second-best time is today. Property rewards time in the market, not timing the market.

Myth 4: “Property Is Too Risky”

Every investment carries risk, but inaction driven by fear is often the greater danger. In Australia, property represents more than investment; it’s stability, aspiration, and security.

Yes, buying the wrong asset in the wrong place is risky. But that’s a reason to get educated, not a reason to avoid the market altogether. When you buy investment-grade property in a good location with a long-term view, risk becomes manageable. You’re not gambling — you’re making a calculated decision.

Myth 5: “You Need 10 Properties to Retire”

Some investors chase a big portfolio. But the truth is, you only need enough income to live the life you want — and that often comes from two or three high-performing properties.

The authors have seen small, strategic portfolios outperform larger ones built on volume. It’s not about how many properties you own — it’s whether they’re working for you.

Myth 6: “I’m Too Young/Too Old to Start”

You’re never the wrong age to shape your financial future. Young investors often underestimate their greatest asset — time. Older Australians worry they’ve left it too late. But Holdaway and Kingsley say they’ve worked with people in their 40s and beyond who’ve built strong passive income streams later in life.

It’s not about age. It’s about clarity, action and alignment with your goals.

Bryce Holdaway and Ben Kingsley are co-authors of How to Retire on $3,000 a Week: The Property Couch’s Playbook for Passive Property Investing (Major Street Publishing RRP $32.99). They are two of Australia’s leading voices in property.

Australia’s housing market has reached a critical juncture, with home ownership and rental affordability deteriorating to their worst levels in decades, according to the McGrath Report 2026.

The annual analysis from real estate entrepreneur John McGrath paints a sobering picture of a nation where even the “lucky country” has run out of luck — or at least, out of homes.

New borrowers are now spending half their household income servicing loans, while renters are devoting one-third of their earnings to rent.

The time needed to save a 20 per cent deposit has stretched beyond ten years, and the home price-to-income ratio has climbed to eight times. “These aren’t just statistics,” McGrath writes. “They represent real people and real pain.”

McGrath argues that the root cause of Australia’s housing crisis is not a shortage of land, but a shortage of accessibility and deliverable stock.

“Over half our population has squeezed into just three cities, creating price pressure and rising density in Sydney, Melbourne and Brisbane while vast developable land sits disconnected from essential infrastructure,” he says.

The report identifies three faltering pillars — supply, affordability and construction viability — as the drivers of instability in the current market.

Developers across the country, McGrath notes, are “unable to make the numbers work” due to labour shortages and soaring construction costs.

In many trades, shortages have doubled or tripled, and build costs have surged by more than 30 per cent, stalling thousands of projects.

Need for systemic reform

McGrath’s prescription is clear: the only real solution lies in increasing supply through systemic reform. “We need to streamline development processes, reduce approval timeframes and provide better infrastructure to free up the options and provide more choice for everyone on where they live,” he says.

The 2026 edition of the report also points to promising trends in policy and innovation. Across several states, governments are prioritising higher-density development near transport hubs and repurposing government-owned land with existing infrastructure.

Build-to-rent models are expanding, and planning reforms are gaining traction. McGrath notes that while these steps are encouraging, they must be accelerated and supported by new construction methods if Australia is to meet demand.

One of the report’s key opportunities lies in prefabrication and modular design. “Prefabricated homes can be completed in 10–12 weeks compared to 18 months for a traditional house, saving time and money for everyone involved,” McGrath says.

The report suggests that modular and 3D-printed housing could play a significant role in addressing shortages while setting a new global benchmark for speed, cost and quality in residential construction.

Intelligent homes

In a section titled Weathering the Future: The Power of Smart Design, the report emphasises that sustainable and intelligent home design is no longer aspirational but essential.

It highlights new technologies that reduce energy use, improve thermal efficiency, and make homes more resilient to climate risks.

“There’s no reason why Australia shouldn’t be a world leader in innovative design and construction — and many reasons why we should be,” McGrath writes.

Despite the challenges, the tone of the 2026 McGrath Report is one of cautious optimism. Demand is expected to stabilise at around 175,000 households per year from 2026, and construction cost growth is finally slowing. Governments are also showing a greater willingness to reform outdated planning frameworks.

McGrath concludes that the path forward requires bold decisions and collaboration between all levels of government and industry.

“Australia has the land, demand and capability,” he says. “What we need now is the will to implement supply-focused solutions that address root causes rather than symptoms.”

“Only then,” he adds, “can we turn the dream of home ownership back into something more than a dream.”