About Rethink Investing

Accumulating wealth through property investing

Investing in property can be an incredibly lucrative strategy to generate wealth by providing strong and stable returns on investment. The type of property (residential or commercial), location and investment type (cash-flow vs growth), all have a significant impact on the speed and quality of the returns that you will receive.

Premium property portfolios

The property portfolios that we build for our clients are robust and diverse and include a mixture of high-grade commercial and residential properties across varying markets. These superior portfolios are designed to weather any potential downfalls in the market by employing positive gearing, high cash-flow and capital growth strategies, and investing in high growth corridors Australia wide.

The Rethink Investing strategy

Access to ‘Pre’ and ‘off’ market properties allow you to accumulate more properties sooner, ultimately resulting in a multiplier effect on your capital gains in the long term.
Our experienced buyers’ agents are adept at identifying rare, high-grade commercial and residential investment properties which will generate significant cash returns on your initial investment.
We purchase houses with land (not apartments), dual key occupancy properties, commercial properties and build new housing developments. This gives you the ability to add value down the track though development, renovations, subdivisions.
We focus on rising markets at the beginning of their cycles. We then look deeper into these sub-markets to secure the highest yielding commercial and residential properties within these markets.
We assist you in creating a unique property investment plan which encompass your needs, goals and desired outcomes. We then help you to secure your ideal property.
We often source (and build) granny flats, duplexes and unit-blocks, which accommodate more than one tenant, so that we may garner a greater rental income for you and ultimately a higher cash-flow.

Mina & Scott O’Neill
’From 0 to $20 Million’

Property ownership has long been part of the Australian way of life. Until recently, the general strategy was to purchase a home in your city of residence and paying it off with a 30-year loan (whilst also paying considerable interest). However, this traditional way of investing is no longer viable with the price of the average house being around 14 times the average income compared to 5 times the average income in 1975. (Sydney used as the example).

Back in 2009, Mina and Scott set out to challenge this ‘traditional way’ of property ownership, by researching alternative markets where cash-flow and capital growth prospects were better than what was on offer in their local area. They followed strategy which involved purchasing properties with positive cash-flow but were also in high-growth areas. They also moved successfully into the commercial markets from a young age. Their growing property portfolio was quickly garnering a steady passive income, large enough that they could quit their jobs. Today they own 32 properties worth around $20 million, making them one of the most successful young property investing couples in Australia.

They have regularly been featured in major news publications because of these numbers. Also, they won the 2019 Strategic Investor of the year by Your Property Investment Magazine (recognising the importance of high yielding investing)

The Rethink Investing team

At Rethink Investing, we only work with the best talent to offer you superior service you can trust. While our head office is based in Sydney, our buyer’s agents operate all across Australia.


Scott O’Neill
Founder
& Director


Mina O’Neill
Operations
Manager


Steve Palise
Senior Property
Strategist


Rob Martin
Acquisitions Manager
& Buyers Agent


Jes Sherwood
Settlements & Property Acquisition Executive


Son Pham
Head of
Mortgages


Scott O’Neill
Founder
& Director


Mina O’Neill
Operations
Manager


Steve Palise
Senior Property
Strategist


Rob Martin
Acquisitions Manager
& Buyers Agent


Jes Sherwood
Settlements & Property Acquisition Executive


Son Pham
Head of
Mortgages

Net Income $31,193
Northern Territory
Purchased
Net Yield 8.5%

PURCHASE PRICE

$355,000

DETAILS

Exceptional high profile office space leased to the Northern Territory Government.

STRATEGY

Solid 4% increases on a 6-year secure lease.

LAND

100m2

Weekly Income $270 p/w
Queensland
Purchased
Yield 6.9%

PURCHASE PRICE

$204,000

DETAILS

3 bedrooms, 1 bathroom and 1 car spaces

STRATEGY

High yield, under market value and capital growth

Weekly Income $440 p/w
Tasmania
Purchased
Yield 6.5%

PURCHASE PRICE

$351,500

DETAILS

5 bedrooms, 2 bathrooms and 2 car spaces

STRATEGY

High yield, under market value and capital growth

Scott O'Neill
Founder and Director


Scott O’Neill is the Founder and Director of Rethink Investing. A BRW Fast 100 property investing company specialising in finding rare positively geared properties all around Australia (commercial and residential). Scott is an experienced and active investor who was able to retire from his day job at the age of 28. With a current portfolio of 32 properties worth $20Mill, Scott is one of the most successful young property investors in Australia. He has a passion for all aspects of property, especially helping others find great deals. Because of this passion he founded Rethink Investing, a Buyer's Agency that helps others buy the same types of properties that allowed Scott to build a portfolio that receives over $850,000 in rent in rent per annum. Clients who have adopted his methods are now on their way to achieving their own financial freedom.

Mina O'Neill
Operations Manager


Mina is our Operations Manager and with many years working within the corporate industry, a Bachelors Degree and an experienced investor from the start, Mina brings an in depth knowledge of Operations and Property Investing. Being there with Scott when they bought their very first property together, her understanding of the positive gearing strategy is second to none. Able to retire at the age of 27, with a passive income of over $300,000 from her multiple properties she now helps customers know how to reach their own investing goals. She ensures the Rethink Investing team maintains it’s quality and its mission through the implementation of policies, procedures, human resources, marketing and advertising, CRM systems, sales - all in the name of helping customers own their future.

Rob Martin
Acquisitions Manager & Buyers Agent

Rob is an experienced manager who brings a wealth of property investing and construction know how to the Rethink Investing team. Rob has bought many properties over the years. His knowledge and expertise grew after every purchase. Today he is an expert in the positive gearing strategy Rethink Investing practices for our clients. Robert can guide you through how to identify under market properties and utilise banks. You can then quickly tap into your equity and continue to build your portfolio. Rob has achieved this many times with his own and his clients’ portfolios.

Steve Palise
Senior Property Strategist

Steve is a highly skilled member of the Rethink Investing team with a massive wealth of property knowledge. With an impressive portfolio himself, he is now passionate about helping others achieve their goals and financial freedom. Coming from the engineering industry, Steve is also a Chartered Structural and Mechanical Engineer. With this engineering background, he knows that the numbers don’t lie and applies this strategy to property. He has a unique, straight forward and up-beat positive attitude and believes that property investing should not only be smart, but also fun along the way.

Son Pham
Head of Mortgages

Son is our resident accredited mortgage expert at Rethink Financing. He has over 6 years experience writing loans, over 12 years in the wealth management industry working for the likes of CBA, AMP and private practice, he is also a licenced financial planner (AFSL 326450) and currently studying his Masters of Financial Planning. Whether it is an owner occupier loan, investor loan, a family trust loan, a company or any other different structure, Son is able to write all these types of residential and commercial property loans. He understands the Rethink investing model himself owning 8 positively geared income generating properties which covers all its holding costs and even the mortgage repayments on his principal residence. Being a financial planner gives him the advantage of other tools and strategies at his disposal to help our clients get the best strategy and structure they need. In his down time he enjoys spending time with his family, gaming and motorsports.

Melissa Stojanovic
Direct Writer

With over 7 years in asset finance, Melissa Stojanovic is our Direct Writer at Rethink Financing. A welcome asset to the team, she brings a wealth of experienceand knowledge, most specifically in the personal banking area, specialising in personal loans and credit cards. Formerly at GE Money, she is growing her expertise by currently studying for a diploma in finance & mortgage broking.

Jes Sherwood
Settlements & Property Acquisition ExecutiveJes is an organised, passionate and devoted member of the Rethink team. With an in-depth knowledge of Real Estate Sales, Property Management and the Settlement process, as well as years of experience in Customer Service, clients know they are in good hands when it comes to their investing needs. Jes has impeccable attention to detail and thrives on delivering the best service to all clients of Rethink Investing.

Net Income $159,950
North Brisbane
Purchased
Net Yield 7.61%

PURCHASE PRICE

$2,100,000

DETAILS

4 tenants in 4 different industries

STRATEGY

High growth market, high-yield, with many new houses being built nearby

PASSIVE INCOME (AFTER OUTGOINGS)

$1,923 per week

Net Income $58,000
Commercial Complex
Purchased
Net Yield 7.07%

PURCHASE PRICE

$820,000

DETAILS

2x Recession Proof tenants

STRATEGY

Dual-income commercial property that will bring you a strong income even in current climate

PASSIVE INCOME (AFTER OUTGOINGS)

$780 per week with a 70% loan

Weekly Income $350 p/w
Brisbane
Purchased
Land 815m2

PURCHASE PRICE

$315,000

LOCATION

30min from Brisbane's CBD

STRATEGY

Good yield, under market value and capital growth

Weekly Income $700 p/w
Queensland
Purchased
Yield 7.5%

PURCHASE PRICE

$495,000

DETAILS

5 bedrooms, 3 bathrooms and 2 car spaces

STRATEGY

Under market value, capital growth and high yield

Weekly Income $370 p/w
Queensland
Purchased
Net Yield 6.2%

PURCHASE PRICE

$308,000

DETAILS

3 bedrooms, 1 bathroom and 1 car space

STRATEGY

Under market purchase and growth

Weekly Income $270 p/w
Tasmania
Purchased
Gross Yield 6.9%

PURCHASE PRICE

$205,000

DETAILS

4 bedrooms, 2 bathrooms and 3 car spaces

STRATEGY

Cash flow, under market purchase and growth

Net Income $311,500
Queensland
Purchased
Net Yield 7.7%

PURCHASE PRICE

$4,050,000

DETAILS

Six quality tenants on long leases with extra land for future development

STRATEGY

Rents 20% below market value + useful land for construction of a carwash or cafe

LAND

5,823m2

Net Income $115,000
Queensland
Purchased
Net Yield 7.2%

PURCHASE PRICE

$1,600,000

DETAILS

An industrial complex with five warehouses which are prime for strata subdivision.

STRATEGY

Market rates for units of this size and location will rent between $95-105 per sqm (total rent should be $127,680-$141,120). Strata subdivision potential. Plus signage lease opportunity next to the highway.

LAND

1344m2

Net Income $33,330
Queensland
Purchased
Net Yield 7.6%

PURCHASE PRICE

$440,000

DETAILS

Freestanding cafe plus ten car spaces in the main CBD. Development potential up to 42m high.

STRATEGY

Solid 4% increases on a 6-year secure lease.

LEASE

5 + 3 years

Net Income $20,000
Queensland
Purchased
Net Yield 7.5%

PURCHASE PRICE

$267,000

DETAILS

Industrial unit with mezzanine bought offline well below market value.

STRATEGY

Purchased well below market value and similar sized industrial units are selling for at least $60,000 more.

LAND

110m2

Net Income $567,000
Canberra
Purchased
Net Yield 8.8%

PURCHASE PRICE

$6,450,000

DETAILS

Shopping centre in a very high yield. Ten shops with strata title opportunity.

STRATEGY

Strata title opportunity – 25% margin if sold at 7% net.

LAND

110m2

Net Income $42,100
Sydney
Purchased
Net Yield 6.6%

PURCHASE PRICE

$642,000

DETAILS

10-year lease on one of Sydney's best hospitality operators, Bourke Street Bakery (Southern Sydney location).

STRATEGY

4% increases with nine years remaining on the current lease.

LEASE

10+5 years

Net Income $139,900
North Queensland
Purchased
Net Yield 11.2%

PURCHASE PRICE

$1,250,000

DETAILS

Shopping centre with eight shops & tenancies on a prime corner site.

STRATEGY

Strata subdivision potential. Plus chance to lengthen some of the leases to increase the WALE.

LAND

632m2

Net Income $57,172
South East Queensland
Purchased
Net Yield 7.4%

PURCHASE PRICE

$770,000

DETAILS

Triple income investment on 762m2 of land in the Morton Bay region.

STRATEGY

Strata subdivision potential. Plus the area is an up and coming development precinct.

LAND

285m2

Weekly Income $960 p/w
Tasmania
Purchased
Gross Yield 9.8%

PURCHASE PRICE

$510,000

DETAILS

Four unit block (duplex)

STRATEGY

Growth and high yield

Weekly Income $320 p/w
Tasmania
Purchased
Net Yield 6.7%

PURCHASE PRICE

$247,000

DETAILS

3 bedrooms, 1 bathroom and 1 garage

STRATEGY

Cash flow, growth and location

Weekly Income $310 p/w
Queensland
Purchased
Gross Yield 7.5%

PURCHASE PRICE

$214,500

DETAILS

2 bedrooms, 1 bathroom and 1 garage

STRATEGY

Cash flow, under market value and strong growth

Weekly Income $310 p/w
Queensland
Purchased
Net Yield 7.5%

PURCHASE PRICE

$420,000

DETAILS

Brand new dual key property (4 bedrooms, 3 bathroom and 2 garages)

STRATEGY

Cash flow, depreciation, under market value and brand new

Net Income $710 p/w
Commercial Complex
Purchased
Net Yield

PURCHASE PRICE

$570,000

DETAILS

Comprising quality fitout with reception, 3 offices, storage and admin area, kitchen, bathroom (with shower) Rear car parking for two cars

STRATEGY

5 year lease