PROPERTY
— WEALTH HUB —
Australia's Property Education Platform

Build wealth through property — with clarity.

Structured education, practical tools, and aligned financial support — everything you need to invest in Australian property with confidence.

10+
Years experience
6
Expert courses
100+
Members enrolled
100%
Australian focus
Member Dashboard · Active
Foundations of Property Investment
Overall progress68%
✓
Module 1: The Investment Mindset
✓
Module 2: Finance & Borrowing Power
→
Module 3: Finding the Right Property
🔒
Module 4: Due Diligence

Everything you need in one place

Structured education combined with practical tools and aligned financial services — so you move from learning to action.

📚
Structured Learning

Short, focused lessons in a logical sequence. Progress saves across every device so you always pick up where you left off.

🧮
Practical Tools

Calculators, checklists, and worksheets built for real Australian property decisions — not generic theory.

🏆
Earn Certificates

Complete paid courses and receive a signed certificate from Chris Brown — downloadable and printable at any time.

🏦
Finance Support

Backed by New Vision Financial Services — your education and your lending strategy are always aligned.

📊
Progress Tracking

Real-time progress syncs across all your devices. Start on desktop, continue on mobile — your data is always there.

🤝
Expert Access

Monthly live Q&As, member-only insights, and direct access to property and finance professionals when you need it.

Education backed by real services

The Hub is powered by three aligned businesses — so learning always connects to action.

🏦
New Vision Financial Services

Mortgage brokering, home loans, investment loans, refinancing, and asset finance — aligned to your strategy.

🏠
New Vision Real Estate

Award-winning boutique property management and sales across the Hills District of Sydney.

🔑
Buyers Central

Off-the-plan house and land packages, buying assistance, and curated opportunities for investors.

Start free, upgrade when ready

All paid tiers include certificates on completion. No lock-in contracts.

Free
$0
forever

Starter lessons and weekly insights — free forever.

  • Free starter lessons
  • Weekly insights
  • Basic calculators
  • Community access
Pro
$99
per month

Advanced strategy for active investors.

  • All Core content
  • Advanced courses
  • Deal analysis toolkit
  • Priority support
  • Certificate on completion
Elite
By
application
 

Personalised, hands-on guidance.

  • All Pro content
  • Coaching sessions
  • Opportunity briefings
  • Personalised roadmap
  • Certificate on completion

Your property journey starts with a single lesson.

Create a free account — no credit card required. Start learning in minutes.

Ask an expert — live, every month

Every month, Chris Brown hosts a live Q&A session for Core, Pro, and Elite members. Bring your questions about finance, deals, structures, or strategy — and get answers in real time.

  • ✓ Live sessions held first Thursday of each month
  • ✓ Full recording available in your dashboard within 24 hours
  • ✓ Submit questions in advance if you can't attend live
  • ✓ Included in Core, Pro, and Elite memberships
Book a Free 1:1 Strategy Session

Not sure where to start?

Book a free 30-minute strategy session with Chris. No obligation — just a clear-headed conversation about where you're at and what your next move should be.

  • → Review your current financial position
  • → Identify your borrowing capacity
  • → Recommend a starting course or learning path
  • → Answer your specific questions

Available to all members and non-members. No hard sell, ever.

What our members say

★★★★★

"I came in with zero idea how borrowing capacity worked. After the Finance Strategy course I restructured my loans and borrowed an extra $180K I didn't know I had. First investment property settled 4 months later."

Result: Purchased first investment property in Western Sydney
MR
Michael R.
First Home Buyer · Sydney, NSW
★★★★★

"The subdivision module alone was worth 10x the membership fee. I had no idea you could do a dual occupancy on a standard lot in our area. Chris's framework saved us from a deal that looked good on paper but would have cost us $60K."

Result: Avoided a $60K mistake. Now progressing a dual occ in the Hills District.
ST
Sarah T.
Property Investor · Castle Hill, NSW
★★★★★

"I'd been stuck at one property for 3 years thinking I couldn't borrow more. The equity module showed me I had $220K sitting there doing nothing. Two properties later and my portfolio is finally moving."

Result: Accessed $220K usable equity. Purchased properties 2 and 3 within 18 months.
DK
David K.
Portfolio Builder · Parramatta, NSW

Results shown are from real members and are illustrative of what is possible with the right education and action. Individual results vary — property investment involves risk and outcomes depend on personal circumstances, market conditions and professional advice. This is general educational content only, not financial advice.

Free Download

The Australian Property Investment Starter Guide

7 key decisions every new investor must make — in a free 20-page practical guide. No fluff, no upsell. Just the foundations.

Free
$0
forever

Start learning with free lessons, tools, and weekly market insights. No card required.

  • Foundations course (first 2 lessons)
  • Property glossary (40+ terms)
  • Investment & stamp duty calculators
  • Monthly market update emails
  • Progress tracking
  • Completion certificates
Pro
$99
per month

For investors actively buying, analysing deals, and scaling their portfolio.

  • Everything in Core
  • Subdivision & Dual Occupancy course
  • Portfolio Management course
  • Wealth Blueprint course
  • Portfolio Tracker with equity calculator
  • Suburb Research & Scorecard tool
  • Monthly live Q&A webinar + replay
  • Priority email support
  • Opportunity briefs (market alerts)
  • LinkedIn certificate sharing
Elite
By
application
 

For serious investors wanting personalised, hands-on guidance from Chris Brown.

  • Everything in Pro
  • Priority AI deal review (48h turnaround)
  • Small-group live coaching sessions
  • Personalised investment roadmap session
  • Curated deal opportunity briefings
  • Direct access to Chris Brown
  • Free annual home loan health check
  • Introduction to trusted trades & professionals

All paid memberships include a 7-day money-back guarantee. Cancel any time — no lock-in contracts. Certificates are yours to keep forever once earned.
Questions? Talk to us before joining.

Chris Brown

Chris is the Managing Director of New Vision Financial Services and New Vision Real Estate — two boutique businesses based in Sydney's Hills District that have been helping clients buy, finance, and manage investment properties for over 10 years.

The Property Wealth Hub was born from a simple observation: most people want to invest in property but don't know where to start, who to trust, or how to structure their approach. This platform brings together the education, tools, and aligned professional support to change that.

Everything taught here is grounded in 10+ years of real transactions, real clients, and real results across residential, investment, and development projects across Australia.

"Property investing doesn't have to be confusing. The right education — applied in the right sequence — changes everything."

— Chris Brown, Founder

10+
Years in property finance
1,500+
Clients helped
10+
Years experience
4
Aligned businesses

Ready to invest with confidence?

Join Property Wealth Hub free and start learning from Australia's most practical property investment platform — backed by over a decade of real transaction experience.

No credit card required. Free forever on the starter plan.

🏦
Finance Strategy
August 2026

How Australian lenders calculate your borrowing capacity

Understanding how banks assess your income, expenses and existing debt is the single most important step before starting your property search. The APRA 3% buffer and HEM benchmark explained.

CB Chris Brown
Read →
📊
Deal Analysis
August 2026

Gross vs net rental yield: what the numbers actually mean

Gross yield is easy to calculate — net yield tells you whether the property actually works. How to calculate both, what costs to include, and when yield matters more than capital growth.

CB Chris Brown
Read →
🏗️
Subdivision
July 2026

Is your block suitable for dual occupancy? 5 questions to ask first

Council zoning, lot width, minimum lot sizes, setbacks and service connections all determine whether a block can carry a dual occupancy. What to check before spending money on a planner or DA.

CB Chris Brown
Read →
📋
Tax & Finance
July 2026

Negative gearing explained: how Australian property investors reduce their tax

A negatively geared property generates a loss that reduces your taxable income. Combined with depreciation, the real out-of-pocket cost is often far less than the headline shortfall suggests.

CB Chris Brown
Read →
📈
Finance Strategy
June 2026

How to use equity in your existing property to buy the next one

Most property owners are sitting on usable equity they have never accessed. The 80% LVR formula, four methods to access equity, and the most common mistakes investors make.

CB Chris Brown
Read →
📍
Suburb Research
June 2026

How to research a suburb before buying an investment property

Data beats gut feel in property. The 7 growth drivers — vacancy rate, infrastructure, employment base, population growth, days on market, supply pipeline and relative affordability.

CB Chris Brown
Read →
🏡
Property Management
May 2026

How to choose and evaluate your property manager

Your property manager has a direct impact on your returns, vacancy rates and stress levels. What a good manager does, what the typical fees are in Sydney's Hills District, and how to switch.

CB Chris Brown
Read →

Want personalised guidance?

Book a free strategy session with Chris Brown — Managing Director, New Vision Financial Services.

🧮
Investment Property Calculator

Model yield, cash flow, depreciation, and 5-year capital growth on any property.

🔓 Free to use
✅
Finance Readiness Checklist

Know exactly what a lender needs before you apply. Identify gaps before they become problems.

📥 Free PDF download
🗺️
Suburb Research Scorecard

Score any suburb across 7 growth drivers. Compare and shortlist your target markets objectively.

📥 Free PDF download
🏠
First Home Buyer Guide

Complete guide to buying your first home in Australia — grants, stamp duty, and the full process.

📥 Free PDF download
📄
Due Diligence Checklist

Step-by-step property assessment covering inspections, legals, council, and strata records.

🔒 Core membership
📊
Deal Analysis Worksheet

Evaluate yield, growth potential, risk, and exit strategy for any property deal.

🔒 Core membership
📅
12-Month Property Action Plan

Map your property goals, milestones, and actions for the next 12 months.

🔒 Core membership
🏗️
Subdivision Feasibility Tool

Model the numbers on a subdivision or dual occupancy project before engaging a planner.

🔒 Pro membership
📋
Negative Gearing & Tax Guide

How negative gearing, depreciation (Div 43 & 40) and CGT work for Australian investors. Includes full deductible vs non-deductible table.

🔒 Core membership
📈
Equity Access Guide

Calculate your usable equity and understand the 4 ways to access it for your next purchase — with a worked equity ladder case study.

🔒 Core membership
🏡
Property Management Guide

Select, evaluate and switch property managers — Hills District fee schedule, PM performance scorecard, and NSW landlord obligations.

📥 Free download

Let's talk property.

Email
chris@newvisionfinancial.com.au
Location
Hills District, Sydney NSW
Services
Property Education · Finance Broking · Property Management

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Foundations of Property Investment
Module 1 · Getting started
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Could this be your result in 12 months?

Every investor on this page started with a free account and a decision to learn before they bought. The course is the same one waiting for you right now.

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Free Download

The Australian Property Investment Starter Guide

7 key decisions every new investor must make before buying their first property — in a practical, no-fluff 20-page guide. Free, no credit card, sent to your inbox immediately.

1
Define your investment goals
2
Understand your borrowing capacity
3
Choose the right property type
4
Select the right location
5
Analyse the numbers before you buy
6
Structure your loan correctly
7
Build your professional team

Written by Chris Brown · Managing Director, New Vision Financial Services · 20 pages · Free

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Property Wealth Hub (operated by New Vision Financial Services, ABN 26 609 888 691) is committed to protecting your privacy in accordance with the Australian Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

1. Information We Collect

We collect the following personal information when you create an account or interact with our platform:

  • Full name and email address
  • Date of birth (used to personalise your experience and send birthday communications)
  • Phone number (optional)
  • Household income bracket (used to personalise course recommendations)
  • Property investment status and goals
  • Course progress, lesson completion, and notes you create
  • Payment information (processed securely by Stripe — we do not store card details)

2. How We Use Your Information

We use your personal information to:

  • Create and manage your member account
  • Deliver course content, track your progress, and issue certificates
  • Send you educational content, platform updates, and offers relevant to your stated goals
  • Send an annual birthday communication (if you have provided your date of birth)
  • Process membership payments via Stripe
  • Improve the platform based on usage patterns
  • Comply with legal and regulatory obligations

3. Disclosure of Your Information

We do not sell, trade, or rent your personal information to third parties. We may share information with:

  • Stripe – for payment processing (subject to Stripe's privacy policy)
  • Supabase – our database provider, operating under strict data processing agreements
  • Resend – our email delivery provider, used solely to send transactional emails you have requested
  • Law enforcement or regulatory bodies where required by law

4. Data Security

Your data is stored on Supabase infrastructure with Row Level Security enabled — meaning your personal data is only accessible to you and authorised administrators of the platform. All data transmission uses HTTPS encryption. We take reasonable steps to protect your information from misuse, loss, and unauthorised access.

5. Your Rights

Under the Privacy Act, you have the right to:

  • Access the personal information we hold about you
  • Request correction of inaccurate information
  • Request deletion of your account and associated data
  • Opt out of marketing communications at any time

To exercise any of these rights, contact us at chris@newvisionfinancial.com.au.

6. Cookies

Our platform uses session-based authentication via Supabase, which stores a session token in your browser's local storage. We do not use third-party advertising cookies. We may use basic analytics (such as page view counts) that do not identify individual users.

7. Retention

We retain your personal information for as long as your account is active. If you request account deletion, we will remove your personal data within 30 days, except where retention is required by law.

8. Complaints

If you believe we have breached the Australian Privacy Principles, please contact us at chris@newvisionfinancial.com.au. If we cannot resolve your complaint, you may contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.

9. Contact

New Vision Financial Services
Hills District, Sydney NSW
chris@newvisionfinancial.com.au

These Terms of Service govern your use of Property Wealth Hub, operated by New Vision Financial Services (ABN 26 609 888 691). By creating an account or using our platform, you agree to these terms.

1. Educational Purpose

Property Wealth Hub provides general property investment education. The content on this platform — including courses, blog posts, calculators, and resources — is for educational purposes only and does not constitute financial advice, legal advice, or investment advice. You should seek independent professional advice before making any investment decisions. New Vision Financial Services holds an Australian Credit Licence through Finsure Finance and Insurance Pty Ltd (ACL 384704) and can provide credit assistance as an authorised credit representative, but any such services are separate from the educational content of this platform.

2. Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials. You agree not to share your account with others or allow others to access paid content using your account. You must be 18 years of age or older to create an account.

3. Membership and Payment

Paid memberships (Core, Pro, Elite) are billed monthly. You may cancel at any time and will retain access until the end of your current billing period. We do not offer refunds for partial months. Payment is processed by Stripe. Membership fees may change with 30 days written notice.

4. Intellectual Property

All course content, resources, calculators, and materials on this platform are the intellectual property of New Vision Financial Services and Property Wealth Hub. You may not reproduce, distribute, or resell any content without prior written permission. You may use content for your own personal educational purposes.

5. Certificates

Certificates issued on course completion are provided as recognition of educational achievement on our platform only. They do not constitute professional qualifications, licences, or accreditations recognised by any government body or professional association.

6. Disclaimer of Warranties

The platform is provided "as is" without warranties of any kind. While we strive to ensure content accuracy, property markets change rapidly and information may not always reflect current conditions. We do not guarantee specific investment outcomes based on any content provided.

7. Limitation of Liability

To the maximum extent permitted by Australian law, New Vision Financial Services and Property Wealth Hub shall not be liable for any indirect, incidental, or consequential damages arising from your use of this platform or any investment decisions made based on content herein.

8. Governing Law

These terms are governed by the laws of New South Wales, Australia. Any disputes shall be subject to the exclusive jurisdiction of the courts of New South Wales.

9. Contact

New Vision Financial Services
Hills District, Sydney NSW
chris@newvisionfinancial.com.au

APRA
Australian Prudential Regulation Authority. The regulator that sets the rules for how banks lend money. APRA requires lenders to assess loans at 3% above the actual interest rate (the "serviceability buffer").
Assessment Rate
The interest rate used by a lender to determine if a borrower can service a loan. APRA requires this to be the greater of 3% above the actual rate or a 5.5% floor. With rates at 6.5–7%, assessment rates are typically 9.5–10%.
Borrowing Capacity
The maximum amount a lender will lend to a borrower based on their income, debts and expenses assessed at the APRA buffer rate. Also called serviceability or borrowing power.
Capital Gains Tax (CGT)
Tax payable on the profit from selling a capital asset such as an investment property. Properties held for 12+ months qualify for a 50% CGT discount, meaning only half the gain is added to taxable income.
Cash Flow
The difference between rental income received and all costs of owning the property (interest, rates, insurance, management, maintenance). A positive cash flow means the property generates income; negative means it costs more to hold than it earns.
Cross-Collateralisation
When a lender holds more than one property as security for a combined loan. This is common but reduces flexibility — it can make it harder to sell or refinance one property independently.
Depreciation
A tax deduction for the wear and tear of a rental property — without any additional cash outlay. Division 43 covers the building structure; Division 40 covers plant and equipment (carpets, appliances). Requires a quantity surveyor report.
Development Application (DA)
A formal application to council to approve a building, subdivision, or change of use. The DA assessment process in NSW can take 3–12+ months depending on complexity and council.
Dual Occupancy
Two dwellings on one lot — either attached (sharing a wall) or detached. Subject to council zoning, minimum lot size and setback requirements. Widely used in Sydney's Hills District for yield improvement.
Gross Rental Yield
Annual rent divided by the purchase price, expressed as a percentage. Example: $28,600 annual rent on a $650,000 property = 4.4% gross yield. Does not account for holding costs.
HEM
Household Expenditure Measure. An ABS-derived benchmark that lenders use as a minimum living expenses figure. If your declared expenses are lower than HEM, the lender uses HEM for serviceability assessment. A significant constraint for many borrowers.
Interest Only (IO)
A loan where repayments cover only the interest component — the principal does not reduce. Popular with investors because it maximises deductible interest, reduces out-of-pocket cost and preserves cash flow for portfolio growth.
Land Tax
A state government tax charged annually on the total land value of investment properties above a threshold. NSW 2025–26 threshold: $1,075,000 land value. Not payable on your primary residence (PPOR).
LEP
Local Environmental Plan. The primary planning document that sets zoning, land use rules, minimum lot sizes and development standards for each council area in NSW.
LMI
Lenders Mortgage Insurance. Insurance taken out by the lender (but paid by the borrower) when the LVR exceeds 80%. Typically $5,000–$30,000+. Can be avoided with a 20% deposit or by using the First Home Guarantee (FHBG).
LVR
Loan to Value Ratio. The loan amount as a percentage of the property value. An $800,000 loan on a $1,000,000 property = 80% LVR. Lenders use 80% LVR as the maximum for investment loans without LMI.
Negative Gearing
When the costs of owning an investment property (interest, management, insurance, maintenance) exceed the rental income. The loss is deductible against other income, reducing taxable income and tax payable.
Net Rental Yield
Annual rent minus all annual holding costs, divided by the purchase price. More accurate than gross yield for assessing a property's real return. Typically 30–40% lower than the advertised gross yield.
Offset Account
A savings account linked to a home loan where the balance reduces the interest charged. $100,000 in an offset against a $500,000 loan means interest is charged on $400,000. Particularly useful for principal-place-of-residence loans.
Principal and Interest (P&I)
A loan where each repayment covers both the interest charged and a portion of the principal (loan balance). P&I loans pay down the debt over time. Compare to Interest Only loans where the balance does not reduce.
RBA
Reserve Bank of Australia. Sets the cash rate that underpins lending rates across the Australian economy. When the RBA raises or cuts rates, variable home loan rates typically follow within days.
Section 10.7 Certificate
Previously called a Section 149 Certificate. A planning certificate issued by council that discloses zoning, overlays (flood, bushfire, heritage), and planning restrictions applying to a property. Essential in any conveyancing transaction in NSW.
Serviceability
A lender's assessment of a borrower's ability to service (repay) a loan from their income after all costs and existing commitments. Assessed at the APRA buffer rate, not the actual loan rate.
Strata Report
A report obtained from the strata manager (not the agent) for apartments and townhouses. Reviews the sinking fund, meeting minutes, pending levies, litigation, and management expenses. Essential before purchasing a strata property.
Usable Equity
The equity in a property you can access without paying LMI. Calculated as: (current property value × 80%) minus the current loan balance. Used as the deposit for purchasing additional investment properties.
Vacancy Rate
The percentage of rental properties that are empty and available to rent at any point in time. Below 2% is considered a tight market favouring landlords. Above 3% is oversupply territory. Use SQM Research for suburb-level vacancy data.

Property Wealth Hub certificates are issued on successful completion of paid courses. Each carries a unique number traceable to a specific member and course. Questions? Contact chris@newvisionfinancial.com.au.

Stamp Duty
—
Other Costs Est.
—
Total Upfront
—

Disclaimer: These are estimates based on standard rates and may not reflect the exact duty payable. Concessions, exemptions, and surcharges vary. Confirm with a solicitor or State Revenue Office before settlement.

Buying interstate? We arrange loans across all Australian states.

📈 Market Updates

Monthly Australian property market insights from Chris Brown.

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Most buyers negotiate against professionals. We level the playing field.

Real estate agents act for the vendor. Their job is to get the highest price for the seller. A buyers agent works exclusively for you — finding properties (including off-market), doing the due diligence, and negotiating the best possible price on your behalf.

Buyers Central is backed by Chris Brown's 10+ years of experience across finance broking, real estate, and property investment — giving you an integrated view that most buyers agents cannot match.

Book a free buyers agent consultation → No obligation. 30 minutes. We assess whether we can help.
🔍 Off-market access
Access properties that never reach Domain or realestate.com.au — through agent networks, direct vendor contact, and industry relationships.
📊 Full due diligence
Suburb research, comparable sales analysis, building inspection coordination, contract review management — we handle it.
💬 Expert negotiation
We negotiate the price, conditions and settlement terms on your behalf — without emotion, without overpaying.
🏦 Finance integration
Backed by New Vision Financial Services — your finance and property acquisition are coordinated from the start, not patched together at the end.

Buyers Central Services

🎯
Full Search & Acquisition
End-to-end service from brief to settlement. We search, shortlist, inspect, due-diligence, negotiate and coordinate settlement on your behalf.
Investors & Owner-Occupiers
🏘️
Auction Bidding
We bid at auction on your behalf with a clear strategy and a hard limit. No emotional overpaying. NSW/VIC auction specialists.
Competitive Markets
📋
Due Diligence Only
You've found a property. We run a full due diligence report — comparables, suburb analysis, building inspection coordination, contract flags — before you commit.
Found Your Own Property

Is a buyers agent right for you?

✓ Buyers Central is a great fit if you:
  • ✓Are time-poor and want someone to manage the search
  • ✓Want off-market access beyond what's on the portals
  • ✓Are buying interstate or in an unfamiliar suburb
  • ✓Have lost at auction or missed properties that moved fast
  • ✓Want expert negotiation without emotion in the room
  • ✓Are an investor who wants strategy and analysis, not just searching
How we charge:

Buyers Central charges a transparent, agreed fee — not a percentage of the property price that incentivises us to pay more. Our fee structure is discussed upfront and agreed in writing before we start.

PWH members receive a complimentary 30-minute buyers agency strategy consultation.

PWH Member Benefit
Free strategy consultation for all Property Wealth Hub members. Mention your membership when you book.

Enquire about buyers agency

We'll respond within 1 business day to discuss whether Buyers Central is the right fit for your situation.

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