Co-Investing for Wealth Creation: Why Advisers Shouldn’t Ignore Shared Property Ownership

Q1: Co-investing is being talked about more and more. Why is it becoming such a strong trend in Australia?

Rob: Housing affordability is the main driver. Property prices in cities like Sydney and Melbourne are rising faster than wages, while lending rules remain tight. Many buyers can’t save a deposit fast enough on their own, so co-investing has emerged as a shared property ownership platform solution that allows clients to pool resources, buy sooner, and access high-growth suburbs.

Q2: What are the main benefits for people who choose co-investing?

Rob: The benefits are significant: Faster entry into the market, access to better-quality assets in growth suburbs, shared costs, and shared returns including rental income and capital growth. For advisers, this is an opportunity to guide clients into wealth creation earlier and set them on a path for future investments.

Q3: What are the challenges advisers should flag with clients considering co-ownership?

Rob: The risks include financing complexity, clarity of ownership, and potential disputes if one party wants to sell before the others. These risks can be mitigated up front with a properly prepared legal agreement. By structuring ownership clearly — including clauses for defaults on repayments or early exits — most issues are resolved before they arise.

Q4: How is propple making co-investing easier for Australians?

Rob: propple was designed to remove the barriers to co-ownership. We work with lenders who understand shared borrowing, provide legal templates covering ownership shares, default clauses, and exit options, offer an app for transparent tracking of repayments and equity, and educate clients on cash-flow modelling and compliance.

Q5: Do you expect co-investing to remain a wealth-creation strategy for years to come?

Rob: Absolutely. Co-investing sits at the intersection of affordability pressures and changing cultural attitudes. Search demand for “co-ownership property Australia” and “fractional property investment” is climbing steadily. As property values in Sydney and Melbourne continue to rise, buyers will increasingly turn to co-investing to avoid being priced out. By starting earlier, clients capture more years of compound capital growth, which significantly improves long-term wealth outcomes.

For advisers, co-investing is more than a niche trend — it’s a growing mainstream solution that addresses affordability and accelerates wealth creation. With the right frameworks, advisers can help clients pool resources, minimise risk, and secure property sooner. Platforms like propple are making the process simpler, creating opportunities for both investors and the professionals who advise them.