Building Wealth Through Property Has Become Harder Than Ever in 2026
Discover The New Way Australians Are Investing in Property With 15%+ Targeted Returns in 2026
Discover The New Way Ausatralians Are Investing in Property With 15%+ Targeted Returns in 2026
Without taking on another mortgage, paying stamp duty, land tax, or dealing with tenants
Operating under AFSL 269868 || 60+ years combined property and finance expertise
You're Not Failing at Property
You're Not Failing at Property
The maths behind traditional property investing has shifted
Dear Frustrated Australian Property Investor,
Let's do the reality check and run some numbers on a $700,000 investment property in 2026.
$560,000 loan at 6.5% = $36,400 a year in interest
Council rates, water, insurance = $4,500 a year
Property management at 8% = $2,240 a year
Land tax = $1,500 a year
Maintenance and repairs = $3,500 a year
2 weeks vacancy = $1,000 lost rent
Total holding cost: $49,140 a year
Rental income at a 4% yield: $28,000 a year
You're $21,140 out of pocket every year*
Before tax. Before the next rate rise.
And remember the $18,000-$37,000 in stamp duty and the $15,000 buyer's agent fee just to get in the door?
You tell yourself capital growth will make up for it.
Maybe it will. Maybe it won't.
And if you decide to add another property to your portfolio?
The bank says NO.
In February 2026, APRA capped the share of new investor loans at a debt-to-income ratio above six.
Three properties in, your DTI is too high. The bank's quota is full. It's an automatic NO.
You’re not doing anything wrong.
The math just doesn't work like it used to.
You have to absorb EVERY cost just to access the part you actually want.
The capital growth and the rental income.
But what if you could get both without taking on more debt, paying stamp duty, land tax, or dealing with tenants?
The New Way to Build Wealth Through Property
The New Way to Build Wealth Through Property
What if you could invest in a $1M property with a targeted 15% capital growth, without buying the whole property?
You don't take out another mortgage.
You don't pay stamp duty.
You don't pay buyer's agent fees.
You don't manage tenants.
You don’t take out another mortgage
You don’t pay stamp duty
You don’t manage tenants
You don’t pay buyer’s agent fees
Instead of buying the whole property, you acquire Brix connected to that property.
Brix give you exposure to the property's growth and rental income.
As the property grows in value, your Brix grow with it.
That's it.
Every property is held under defined legal arrangements.
Your Brix are recorded, tracked, and protected by law.
Every transaction is signed and registered through licensed conveyancers.
You get all the benefits of property growth without the cost, the debt, or the headaches.
The property owner stays on title and stays responsible for the upkeep, the insurance, the maintenance, and the tenants.
And that’s the beauty of our system that partners with property owners, fractionalised equity, and tokenisation for security and speed of transaction.
This Is How Smart Investors Are Building Wealth around the World in 2026
This Is How Smart Investors Are Building Wealth around the World in 2026
It's the modern way that allows smart investors to build wealth through property without the high servicing costs, borrowing limits, or landlord stress.
My name is Marcus Chun
My name is
Marcus Chun
I've spent 20 years investing in Australian property and built an 8-figure portfolio along the way.
I've also served as an executive at realestate.com.au.
I've never actually liked being a property investor, it comes with so much headaches and has taken up so much of my time - dealing with banks, building complicated spreadsheets, working with buyers agents, and having to deal with property managers and tenants.
But, I knew my goal was to build wealth and this was the only way to do it.
But over my property investing journey, I’ve watched the path to achieve wealth get much harder and seeing returns get smaller every year.
Every policy change, every rate rise, every new
lending rule.
All of it digging into my bottom line, and time invested. The servicing costs that turn every property negatively geared.
The borrowing ceiling that stops you adding the next one.
And all the costs and headaches that come with property ownership.
I realized property wealth is no longer the same, and it's definitely not a fair game for many Australians.
It's only recently, with new legal and technology developments that I could get the upside of property without all the negatives. That discovery led me to build Property Laddr.
I built it with a team of co-founders with over 60 years of combined experience across property, finance, and tech. I built it because property shouldn't only work for the lucky few who got in early or have $100K sitting in cash for a deposit.
Property Laddr is that reboot.
A modern way for Australians to build wealth through property, without the burden of high entry or ownership.
Let me show you how it works.
Application only access. 15 spots available
HOW PROPERTY LADDR WORKS
Get All The Benefits Of Property Investing
Without the debt, the stamp duty, the land tax, the maintenance, or the tenants.
Application only access. 15 spots available
Choose Your Property
Browse a curated selection of Australian investment-grade properties assessed for growth, yield and risk.
Choose the property that fits your strategy.
Review the numbers, the terms, and the offer documents before you commit
Allocate from as little as $20,000. No buyer's agent fees. No stamp duty. No legal fees. No fees at all
Acquire Your Brix
Acquire Brix linked to your chosen property or spread across multiple, without buying the whole thing.
Brix provide economic exposure, not legal ownership.
The owner stays on title and remains responsible for the property.
Your rights are documented, recorded and supported by legal arrangements.
Monitor Your Portfolio
Monitor your Brix, property updates and potential returns in one place.
Access potential capital growth and, where applicable, income.
No mortgage, stamp duty, tenant management or maintenance burden.
No hidden fees eating into your returns
Where Do These
Investment Properties Come From?
Where Do These
Investment Properties Come From?
We partner with property owners who want to access capital from their equity without refinancing or selling outright.
Every property is assessed by a third-party valuer.
Every owner signs a participation agreement, retains a minimum 20% stake, and stays responsible for upkeep and insurance.
They're invested alongside you.
Every property goes through a structured assessment before we make it available to you.
We review location quality, growth potential, rental demand, vacancy rates, valuation inputs, yield and risk.
Most properties do not pass.
Only selected opportunities are structured and listed.
So by the time you see a property, the sourcing, assessment and structure have already been done.
You review the numbers and decide whether it fits your strategy.
Capital Growth Track Record
Growth Corridor Timing
Good Numbers Behind It
Beating The Benchmark
Same Property Exposure,
Smarter Structure
Same Property Exposure, Smarter Structure
Property has built more wealth than any other asset class in Australia. Property Laddr helps you keep the upside and strips out the burden.
| Property Laddr | Traditional Way** | |
|---|---|---|
Minimum capital
|
From $20K | $120K+ deposit |
Capital growth
|
|
|
Rental income
|
Yes, if applicable (proportional to your BRX) |
|
Mortgage
|
|
If applicable, currently high Interest Rate Market |
Stamp duty
|
|
$25K–$37K (varies by State) |
Land tax
|
|
$1,000–$2,800+ per year |
Property management
|
|
8% of rent |
Maintenance and repairs
|
|
$7,000–$10,000 p.a. |
Bank serviceability
|
|
Restrictions on borrowing capacity |
Diversification
|
One Place, Multiple Properties | One property, one suburb |
Property Sourcing
|
Minutes | Months |
Exit Strategy
|
Multiple Options Available | Sales & Marketing Campaign 30–90 days + Agent Commissions |
Capital gains tax
|
Same rules apply | Same rules apply |
Regulated
|
(AFSL 269868)
|
|
Application only access. 15 spots available
Who Property Laddr Is For (and Who It Isn't)
Who Property Laddr Is For
(and Who It Isn't)
This isn't for everyone. Here's how to know if it's for you.
Property Laddr is for you if...
You are an existing or first time property investor
You want greater exposure to property but are limited by entry costs or servicing constraints
You want property exposure without taking on more debt or another mortgage
You're looking for a stronger return on your capital
You’re looking for greater diversification between shares, property, SMSF, Offset/Savings
You've hit the bank's serviceability ceiling and can't borrow more
You're an innovator who moves before the market catches up.
But if you are a first homeowner, this is NOT for you.
Ready to Earn From Property Without Another Mortgage or a Tenant?
Ready to Earn From Property Without Another Mortgage or a Tenant?
First access to 3 live properties
Three carefully selected residential properties, fully assessed under The Brix Standard, ready to fund right now.
Targeted 15% capital growth per year
Targeted return based on capital growth and rental income performance.
No investor fees
As an early adopter, no fees will be imposed on your first allocation.
VIP membership
Lifetime membership. Benefits include first access to new investment opportunities before they go public.
Direct access to the Founders
No sales reps. You will speak directly to the founding team that have over 60+ years in property and finance experience.
From $20,000 minimum
Start with $20K, $50K, or $100K. Allocate across one property or spread across all three.
This is our founding round. We're keeping the first 15 positions tight on purpose.
No fees. VIP first access. Connected to founders.
This is a unique opportunity to take a front-row seat as property investing in Australia shifts to a smarter way of building wealth.
Application only access. 15 spots available
Frequently Asked Questions
Frequently Asked Questions
How is my money protected?
Your funds are held in a regulated trust account during the investment process. Once the property settles, your share is recorded, tracked, and protected by law. Every transaction is signed and registered through licensed conveyancers. The property is held under a structure that prevents the owner from selling without our approval. Property Laddr operates under AFSL 269868.
What returns can I expect?
Founding investor properties are targeted at 15% p.a ROI, based on a combination of capital growth, rental income and Brix discount, but returns are not guaranteed. Returns depend on the property performance and the offer terms. Actual results may be different from the examples.
What’s the minimum investment?
You can invest from $20K, $50K or $100K+ in any single property, and you may be able to invest across one or more properties where available.
Why would a property owner participate in this?
A property owner may want to unlock money from their property without selling the whole thing or relying only on a bank loan. They stay on title, but sell Brix linked to part of the property’s future financial outcome.
How is this different from a managed fund or REIT?
A fund usually puts your money into a pool of properties. With Property Laddr, you can review a specific property and choose whether you want Brix linked to that property.
Can I invest through my SMSF?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
What if I want to invest in more than one property?
You can. You're not limited to one property. Many founding investors will spread their capital across all three properties to diversify. You can also stack future opportunities as they come on the platform.
How does tax work?
Tax depends on your personal situation and how your Brix returns are received. Selling Brix, income, buybacks and fees may all have tax impacts. Property Laddr does not give tax advice, so speak to your accountant or tax adviser.
Who’s behind Property Laddr?
Property Laddr is built by a team with experience across property, finance and technology. Marcus Chun is a co-founder with experience in Australian property investing and technology, including realestate.com.au.
How is this different from other fractional property platforms?
A few key differences. Property Laddr is built for serious investors, not retail savers. The minimum is $20,000, not $250. Every property is assessed against growth, yield and risk criteria. Most properties we review don't make the cut. Property owners must retain at least 20% of every property, so they're invested alongside you. There are no platform fees for founding investors. And every property is structured under defined legal arrangements with the property held under a mortgage managed by Property Laddr to prevent unauthorised sale.
Is this crypto?
No. Property Laddr is a regulated property investment platform operating under an Australian Financial Services Licence (AFSL 269868). Every property is real, valued, registered, and held under defined legal arrangements. The blockchain technology underneath is just a modern way to track exposure and record transactions.
How do I get my money back?
Exit timing and pricing are not guaranteed and depend on the relevant offer terms, platform rules and market demand
What happens if the property goes down in value?
Your capital is linked to Brix associated with the underlying property.
Exit options are set out in the relevant Investment Property Offering and may include:
1. Property sale or refinance - At the agreed term, the property may be sold or refinanced, with net proceeds distributed to Brix holders based on their holdings and the offer terms.
2. Owner buybacks - Some opportunities may include owner buybacks, where the property owner buys back Brix at agreed prices, subject to the offer terms.
3. Secondary trading, if introduced - MyBrix may introduce a way for eligible investors to trade Brix with other eligible investors, subject to platform rules, demand and regulatory settings.
Exit timing and pricing are not guaranteed and depend on the relevant offer terms, platform rules and market demand.
Is Property Laddr the Right Fit for You?
You can keep doing what you've been doing. And if the numbers on your portfolio still stack up, that's genuinely great! Keep going.
But if you've run the numbers and they're telling a different story, there's another way to invest in property.
Property Laddr is opening 15 founding investor positions across our first 3 properties. Projected 15% capital growth. No fees for founding investors.
You can start from $20,000.
Apply below and I'll personally walk you through the three properties, the numbers, and whether it's the right fit for you.
If it's not, no hard feelings. There are plenty of ways to build wealth.
Application only access. 15 spots available
* This scenario is based on the following assumptions:
● Property value: $700,000 residential investment property, purchased in 2026
● Loan amount: $560,000, based on an 80% loan-to-value ratio
● Interest rate: 6.5% per year, interest-only
● Annual interest: $36,400 ($560,000 × 6.5%)
● Council rates, water and insurance: $4,500 per year
● Property management: $2,240 per year, based on 8% of rental income
● Land tax: $1,500 per year (varies by state and total landholdings)
● Maintenance and repairs: $3,500 per year
● Vacancy: 2 weeks per year, estimated at $1,000 in lost rent
● Rental income: $28,000 per year, based on a 4% gross rental yield
● Total holding cost: $49,140 per year
● Net out-of-pocket cost: $21,140 per year ($49,140 holding cost minus $28,000 rental income)
Figures are illustrative estimates and will vary by state, lender, property, and individual circumstances. They are not a forecast or a guarantee. This example is provided to show the typical holding costs of direct property ownership.
** Traditional Way comparison is based on the following assumptions:
● Figures are illustrative estimates for direct ownership of a $700,000 residential investment property in 2026.
● Deposit based on a 20% contribution.
● Stamp duty $25,000–$37,000, varying by state and buyer status.
● Land tax $1,000–$2,800+ per year, varying by state and total landholdings.
● Property management at 8% of rental income.
● Maintenance and repairs $7,000–$10,000 per year.
● Selling costs assume a 30–90 day sales campaign plus agent commission.
● Actual costs vary by state, lender, property, and individual circumstances.
© 2026 Property LADDR | All Rights Reserved
DISCLAIMER: The information provided on this website is of a general nature and is not intended to be constituted as financial advice. The matters referred to are for educational and information purposes only. We recommend that the recipient of any information provided by Property Laddr seek independent advice from professional advisors not limited to accountants, lawyers or financial planners before using this information or engaging in the purchase of an investment in property, shares or otherwise. If you choose to act on any information, products or services it will be assumed that you have formed your own opinion through investigation and research as to the suitability of the information, products or services for your circumstances.
We make no express or implied claims that you will make money as a result of following our advice and/or purchasing our services or products. Every effort has been made to ensure that the information provided herein is accurate however no person should rely on the information herein to make a financial or investment decision. We do not represent or warrant that the information contained herein is accurate, reliable, complete or current and we do not accept any liability for any errors or omission of information supplied.
We will not be liable for any damages to any person, organisation, recipient, third party or otherwise arising out of, or in connection with the use or reliance upon the information, content, materials or products included herein. Your use of the information and/or the purchasing of any products or services is entirely at your risk. In implementing concepts outlined while using the services of Property Laddr you will do so with skill and common sense and you will not hold us liable or accountable in any way for the failure of the service to live up to your expectations.