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Property Portfolio Accelerator

A self paced personal finance program that equips you with the tools to master your money, and game the lending game.

Is this you?

You Know You want to Buy, But it’s Taking Forever

You know property is a great place to put your money to work. And so you’ve been working your asses off. But it feels like your running in quicksand. Taking on extra work, cutting down on extra spending. But it all feels futile when you look at where you are and where you want to be. Now, you’re bickering about the little things, because the one big thing you really want looks like a mirage.

Here's the problem:

Rates Have Risen,
And Prices are (Still) Rising!

When rates rise this far this fast, well let’s just say things get a bit harder. Getting debt is harder than scoring backstage passes to Taylor Swift. And the debt you have is more expensive than at any time in the last forty years.  Yet because of Australia’s unique property market and it’s drivers of demand, prices keep grinding higher.  

As a result...

Building a Property Portflio is Harder Than It's Ever Been

The playbook our parents used is about as useful as a flip phone. Property is still a great place to put your money. But just ‘knuckling down’ and ‘tightening the belt’ wont cut it. You’ll need more than forced saving and some equity to make your property investing goals happen. 

The winners in today’s property market do things differently. They’re playing checkers, while everyone else plays chess. To change the game, you need to change the frame. Being able to build a profitable property portfolio isn’t about having heaps of money. It’s about controlling your cashflow and telling the right story to the banks. 

So, what can you do?

Here's How Today's Property Investor Actually Makes it Happen

We spent six months collaborating with the most sought after experts in the field of finance. Collectively this group has helped thousands of Aussies achieve their property goals. There are four things you absolutely must get right:


Having access to ‘capital’ is more important than having a 20% deposit. They’re not the same thing. The winners know how to quickly assemble capital to get a foot in the door.


Knowing you can manage the costs that come with an investment property is critical to moving forward with confidence when the time comes. The most successful investors use systems and structures to optimise their exposure.


It doesn’t matter how much capital you can assemble if you’re not financially fit. The banks want to work with cleanskins who will be good stewards of their cash. 


The best buyers aren’t fixated on minimising debt. They are focused on mamaging debt so they can buy the best property possible. Because they know buying a quality property is the best way to minimise their risk.

And here's how you can do it...

Master All 4 Factors In One Afternoon

If you’re reading this part, it’s because you’re smart enough to realise that others have already figured out what you’re trying to figure out. This program will help you start acting on the answers, instead of trying to find them for yourself. If you’re in it to win it, read on… 

Minimise the time spent saving

There’s a point where saving more doesn’t make any sense. And you’ll know exactly when that is, and how to cut down the time it takes to get there.

Buy a Property that Creates Prosperity

By starting with the end in mind you’ll minimise the chances you buy a property you’ll regret. And ensure your savings work harder than they would in the bank. 

Get Rubberstamped by the Banks

With the skills and tools you’ll master in this program, you won’t have to jump through hoops for the banks. They’ll be rolling out the red carpet to help you get your property.

Manage the Mortgage with Ease

Know that you can comfortably manage the costs for the property you want before you buy it. 

What others are saying

“We’d read the barefoot investor, we felt like that was limited in scope. When you’re doing the money mapping, you’re having the conversation. Teaching us how to do it & the phsycology. You saved our marriage. We feel much better educated and equipped. We were struggling to be on the same page.”

– Simon & Michelle

“I thought ‘Why pay someone when we could do it ourselves’. The direction it’s given us and the progress as a couple you can’t put a price on. Unconditional approval on our house waiting for settlement. The accountability kept us on track.”

– Shane & Anita

“We were on a path to seriously never have this. We now have things in place to manage our money for the rest of our lives. It’s funny how when you get one thing in order it affects everything.”

– James & Indi

“I was totally shocked and surprised that we have been able to make this much progress in such a short period of time”

– Helen & Chace

What you'll get:

A proven pathway

Skip the trial and error, and learn what works by accessing bite sized learning modules.

A personalised plan

Use what you’ve learned to configure proven principles to your specific context.

Tricks of the trade

Speed up your progress by stealing the cheat codes from Australias most experienced experts.

Live expert help and support

Access weekly coaching calls to gets your questions answered and maintain momentum.

A connected community

Stay motivated and leverage others learning by joining the HoA community of practice. 

+ EXCLUSIVE personal finance tech

You won’t find this tech anywhere else, because we built it specifically for THIS program. And you get 6 months free access when you join.

The coaches in your corner.

Ryan Monaghan and Terry Condon are the founders of the Cashflow Co, and your coaches for The Property Portfolio Accelerator.


Terry Condon, MBA

Ryan saw the ‘behaviour gap’ that often exists in personal finance, and teamed up with Terry to fill it.

With a background in high performance coaching and management consulting, he has honed the ability to make important insights more accessible. He also understands how create the necessary conditions for positive personal change.


Ryan Monaghan, MFP

Terry worked with Ryan to get started investing. And this experience showed him how important it is to make information and education actionable.

Ryan’s qualifications in finance and a keen interest in technology means he is exceptional at creating tools that make principles actionable.

Our approach?

We’d like to think we make finance fun. But don’t take our word for it. Here’s what others say 👇

The Investment


One time payment

If you implement the first half of this course and don’t think this is the best investment you’ve ever made, we’ll refund you in full. And you can keep the course

Two steps to supercharged success

Sign up

Download the App



My income is unreliable, will this still work?

Yep, absolutely. Our method, money mapping helps you decouple incoming from outgoings, and that means you’ll be working with money already have, not money you might have. This makes planning possible and also reduces the feeling of uncertainty that can come from an uncertain income. So in short, this will be even MORE beneficial for you if you have a fluctuating income.

I'm trying to save money to buy a home, how does it make sense to SPEND more money?

Good question. The short answer is, if it makes you money it’s not a cost. It’s an investment. And our rule of thumb is that we don’t sell anything that isn’t 10x the value it costs. If you apply what you learn here, it won’t just help you get your home, it will help you achieve the goals you have beyond that as well. That should be worth well over $525. BUT, if you’re not convinced. Listen to episode 103 on our podcast. We address this question in detail here.

Do you guarantee results?

We guarantee that if you follow this pathway, you will get the result you want, and much sooner than you would have otherwise. But only if you actually apply this information and use the tools.

Having said that, if you’re not already sure this will be the case after completing the ‘fast foundations’ part of the course, and applying the methodology we teach, we’ll refund you in full.

When are the group coaching calls?

These will be held weekly, and you’ll be able to register to attend inside the learning platform once you sign up. We’ll also record these as well.

When does it start?

Being a digital experience with an online member portal, it starts the moment you enroll. You can complete it in your own time and work through it as fast or slow as you with. You get lifetime access.

Where does it happen?

It’s online with training videos, tools, one-to-one zoom call coaching, live Q&A calls and a circle community. You work at your own pace, in your own space.

How long will it take?

You can get up and going with this in an afternoon, and work through the accelerators at a pace that suits you.

We can’t give you numbers on how long it will take you, because it comes down to individual circumstances like income, overhead and the kind of home you want to buy.

What we can do is tell you that if you follow this program and implement everything we teach, this will slice months if not years off your property journey

Whats the go with the app?

The app sits at the centre of this experience, and when you sign up you get 6 months free access. 

After this, you'll be asked if you want to continue to access with our subscription ($25 a month) 
You will NOT be automatically debited.