Client First
Every decision we make starts with your goals, ahead of our own sales targets.
The Property
Investment Firm.
Property strategy for Australians who think in decades.
24-Factor Selection
We rule out most suburbs before we recommend one.
Every location we recommend has passed our 24-factor evaluation, which looks at the infrastructure pipeline, vacancy rate, rental yield, how fast the population is growing and more. Most suburbs fail it.
How we select →
Frame Completed Our Principles
The three principles we work by.
Stonehhart was built around three commitments. They guide how we advise, who we partner with, and the standard we hold ourselves to long after the keys change hands.
Give Unconditionally
We share what we know openly, so you leave every conversation better informed, whether or not you buy with us.
Radical Accountability
We take responsibility for every outcome and keep you fully informed. We also stay with you well past settlement.
How It Works
Five steps from the first conversation to a long-term partnership.
We help Australians make better property and finance decisions with clear, personal advice. We don't upsell or push, and each stage is designed to leave you better informed.
- 01
Begin
A short conversation about where you are and where you'd like to be, with no commitment.
- 02
Sit Meeting
A free strategy session with no obligation. We assess your borrowing capacity, agree on your goals and decide together whether we're the right fit.
- 03
Property Selection
Our 24-factor evaluation finds the right property for your strategy: not a list of options, a recommendation we stand behind.
- 04
Property Presentation
We walk you through the recommendation in detail, including the data behind it and the risks, and then you decide.
- 05
Through to Settlement
We stay with you from offer to keys in hand and beyond, and you deal with the same person throughout.
Start Here
Not ready to talk? Start with the numbers.
These are the tools we use with clients. Anyone can use them for free, without signing up or giving an email address.
Stamp Duty Calculator Government charges for any state, including first home concessions. Open → Construction Loan Calculator Interest during a build, stage by stage, and your repayment after handover. Open → Repayment Calculator What a loan actually costs each month, and over its full term. Open →
Free Guide
Download the ebook Know Your Why
The questions to answer before you buy an investment property, and why most people answer them in the wrong order.
@stonehhart
· 564.8K total views · 7 videos in the series · Investment Fails Series Viral Series
Investment Fails.
Apartments that lost their owners money, with the purchase and sale prices. Most property commentators won't show you these, and they're the reason we only recommend houses.
228K views
Most Viral · Chatswood · 2017 Apartment
Bought expecting to double.
Lost -$140,000 instead.
Lost -$140,000 instead.
Purchased 2017 $880,000
Sold 2026 $740,000
-$140,000
Leased at $780/wk in 2025, which never covered the mortgage.
228K Views
523 Likes
66 Shares
55 Saves
Top comments
@Pekechino ❤ 35
"Love this."
@Dan ❤ 23
"Welcome to investing. You discovered risks. 😂"
@soupiswatching ❤ 8
"They can build more condos. They can't build more land. Buy land."
@user998085 ❤ 5
"You don't buy apartments, you buy condominiums."
@Bryan ❤ 1
"I lived in Chatswood in 2018 — cool neighbourhood, great Asian food courts, but it was absurdly expensive."
@Dirk_Diggler ❤ 0
"If you wanted apartment living you'd have been better off renting and dumping the saved mortgage money into the S&P 500."
More from the Investment Fails series
2015
-$110,000
$765,000 → $655,000
"The right title is "when you overpaid in 2015 expecting to sell it overpriced — still losing 50% to inflation.""
2012
-$109,500
$494,500 → $385,000
"Could have been $2MM if you invested in S&P500"
2021
-$19,990
$399,990 → $380,000
"Apartments dont own land — they are poor investments."
2016
-$340,000
$880,000 → $540,000
"At least you don't have to worry about the changes to capital gain…"
2017
-$160,250
$660,250 → $500,000
"Houses double – apartments and townhouses never doubled."
2014
-$49,994
$550,000 → $500,006
"Overpaid initially. Oversupply in the area."
On YouTube
@stonehhart
We're active on YouTube.
Watch our latest videos on Australian property data, depreciation, investment fails and the strategies that work for Australian investors.
Avg. views per video 5K to 20K across Shorts & long-form
Content type Shorts + Long YouTube & YouTube Shorts
Topics covered Property 101 Depreciation, LVR, fails & more
New content Weekly Consistent upload schedule
Insights
All Articles Thinking about property, clearly.
What Is Vacancy Rate? The Number That Tells You If Your Property Will Stay Full
An empty investment property is one of the most expensive problems in real estate, and vacancy rate tells you how likely that is before you buy.
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What the 2026 Federal Budget means for Australian property investors, and the policy settings worth watching in the months ahead.
Read article →The Income Trap: Why Relying on Your Salary Alone Is a Losing Strategy
Your income pays for today and your investments build tomorrow. Most Australians know it, yet still act as if a salary will be enough.
Read article →
"House is for living. Not for investing."