RETIRE YEARS SOONER THROUGH CO-LIVING INVESTMENT
Let us show you how 10-12% yields and positive cash flow accelerate your path to financial freedom. The Harmony Group - Australia’s Co-living Investment experts
Harmony Property
Achieve Financial Independence Through High-Yield Co-Living Investment
Traditional property investment delivers 3-4% yields and years of negative cash flow. Co-living investment delivers 10-12% yields and positive cash flow from day one. At Harmony Group, we specialize in purpose-built co-living properties that help you:
- Generate $15,000-$25,000+ annual positive cash flow per property
- Pay off your mortgage 10-15 years faster with high rental income
- Build retirement income through 1B-certified, professionally managed properties
With a systematic 118-point data analysis backed by SQM Research and 200+ delivered projects worth $210+ million, we help everyday Australians retire sooner through Australia’s highest-yielding residential investment strategy.
The Harmony Group
Companies
Harmony Property
Harmony Property specializes in high-yield co-living investment for retail investors seeking to accelerate mortgage payoff and build retirement income. With 200+ specialist accommodation projects delivered across 30+ Australian councils and $210+ million in portfolio value, we bring institutional-level property analysis to everyday investors. Backed by partnerships with SQM Research and Australia’s most experienced co-living property managers, we deliver 10-12% yielding properties that generate positive cash flow from settlement.
The harmony Group
The Harmony Group has over 15 years of specialist accommodation and co-living investment experience. Having delivered 200+ projects worth $210+ million across 30+ councils, the group’s companies focus on different segments of Australia’s co-living market. Harmony Property brings this expertise directly to retail investors, while Smart Property serves finance professionals exclusively.
The Harmony Property Team
David Rhys
Investment Consultant
Daniel McCabe
Acquisitions Manager
Obi Joseph
Client Manager
Ellie Harcourt
Customer Experience
Raveena Vasisht
Customer Experience
Swathi Raja
Acquisitions Coordinator
Deval Modi
Data Analyst
Testimonials
118-POINT DATA-DRIVEN METHODOLOGY
Backed By SQM Research & 200+ Delivered Projects
We analyze 118 specific data points before recommending any co-living property—from employment diversity and rental vacancy trends to council approval rates and property manager capacity. Partnering with SQM Research, Australia’s leading independent property analytics firm, we identify suburbs delivering 10-12% yields with sustainable tenant demand before markets become saturated.
Start Your Co-Living Investment Journey Today
Let us show you how 3 co-living properties can replace your salary in 10 years. Book a free strategy session to review current opportunities in Melbourne, Adelaide, and Perth—and discover why we reject 85% of properties we evaluate.
Why Choose
Harmony Property?
200+ Projects, $210M Delivered, 10.8% Average Yield
Traditional property advisors guess. We measure. With 200+ specialist accommodation projects delivered across 30+ councils and a proven track record of 10-12% yields, we know exactly what works. We focus exclusively on 1B-certified co-living properties that deliver positive cash flow from settlement—not 5-10 years of negative gearing waiting for capital growth.
118-Point Analysis & SQM Research Partnership
We analyze 118 specific data points before recommending any property: employment diversity, rental demand, council regulations, property manager capacity, and 114 others. Partnering with SQM Research, we identify high-yield opportunities in Melbourne, Adelaide, and Perth while actively avoiding oversaturated markets like Brisbane. Every investment backed by data, not sales targets.
The Untitled Land Strategy: 3-6 Months to Perfect Your Investment
98% Occupancy, Same-Day Tenant Placement
How Co-Living Accelerates Retirement By 10-15 Years
Generate $20,000-$30,000 Net Income Per Property
Each co-living property delivers $88,000+ gross annual income. After expenses and tax, you net $20,000-$30,000 positive cash flow. Three properties = $60,000-$90,000 annual income replacing your salary entirely.
Pay Off Your Mortgage 10-15 Years Faster
Traditional property: $600/week rent, negative cash flow. Co-living: $1,700/week rent, $15,000+ annual positive cash flow. Apply this to your mortgage and clear debt in 5-10 years instead of 20-25 years.
Build Retirement Income, Not Just Equity
Stop waiting for capital growth. Co-living delivers immediate income. Once loans are paid off, 3 properties generate $180,000-$220,000 annual income. That's retirement income you can live on, not just equity on paper.
Retire at 52, Not 65
Traditional path: Work until 65-70. Co-living path: Use high yields to eliminate mortgage in 7-10 years, build 2-3 property portfolio, retire at 52-55. That's 13-18 extra years of freedom.
Our Proven Co-Living Investment Process
Establish Borrowing Capacity & Investment Goals
Determine if co-living suits your situation ($200K+ equity typically required). Connect with specialist brokers who understand co-living income modeling and SMSF structures.
118-Point Market Analysis
Source Untitled Land Parcels
Secure premium sites before retail market sees them, paying 20-30% less than titled land. Untitled land strategy provides 3-6 months for finance approval instead of 30-60 day rush.
Partner With 1B-Certified Builders
Only builders with 10+ completed co-living projects and zero compliance issues. Every property has 1B certification confirmed before construction—avoiding $125,000+ fines and 2-year jail penalties for uncertified properties.
6-Month Build Timeline & Property Manager Selection
Specialist Co-Living Management (98%+ Occupancy)
Partner exclusively with managers maintaining sub-2% vacancy rates. Our partners manage 477 rooms with only 6 vacant, placing new tenants within 24-48 hours of previous tenant departure.
Common Co-Living Investment Myths
Myth 1: "Co-Living Is Risky or Illegal"
Co-living is legal when properly 1B-certified. We only recommend certified properties meeting fire safety, disability access, and council approval requirements. Uncertified properties face $125,000+ fines—why we reject any property without confirmed certification.
Myth 2: Co-Living Yields Can't Be Real"
Myth 3: "You Need $500K+ to Start"
Myth 4: "Co-Living Is Too Hard to Manage"
You don’t manage co-living properties—specialist property managers do. Our partners handle 24/7 resident support, tenant placement, maintenance, and community management. You receive monthly statements and approve major repairs only. Truly passive investment.
Myth 5: "I Should Wait for Better Market Conditions"
Co-living works in all market cycles because income matters more than capital growth. Down markets: high income buffers value declines. Stable markets: income continues regardless. Up markets: capital appreciation plus income. The best time to start was yesterday. The second best is today.
How We Help You Succeed
1. Paying Off Your Mortgage Faster
Imagine paying off your mortgage 10-15 years earlier than expected. Our co-living properties generate $15,000-$25,000 annual positive cash flow after all costs. Apply this to your mortgage and clear $500,000 debt in 7-10 years instead of 25 years. That’s mortgage freedom at 50-55, not 65-70.
2. Retiring Early Through Property Investment
We help you build a 2-3 property portfolio generating $60,000-$90,000 annual income while simultaneously paying off your primary residence. Once mortgages are cleared, income increases to $180,000-$220,000 annually. This isn’t supplemental income—this is salary replacement enabling retirement 10-15 years early.
3. Building Passive Income That Grows Over Time
Co-living investment is about immediate income, not 10-year wait for capital growth. From settlement, you’re generating $1,600-$1,800 weekly from tenants. As rents increase 3-5% annually and your loans reduce, net income grows continuously. By year 10-15, you’re generating $15,000-$20,000 monthly income for life.
With 118-point data analysis and specialist co-living expertise, retiring 10-15 years early is achievable for everyday Australians.
If you’re ready to explore how 10-12% yields and positive cash flow accelerate your path to financial freedom, book your free strategy session today. We’ll show you current opportunities in Melbourne, Adelaide, and Perth—and explain exactly why co-living works when traditional property investment doesn’t.
Frequently Asked Questions
What is co-living property investment?
Co-living property investment involves purchasing purpose-built properties designed for 4-6 individuals to live independently in their own private spaces while sharing common areas. Unlike traditional share houses, properly certified co-living properties (1B certification) feature:
- Individual ensuites for each bedroom
- Private outdoor courtyards
- Personal kitchenettes in most rooms
- Full furnishing and utilities included
- Professional property management
- 24/7 resident services
These properties generate significantly higher rental yields (10-12%) compared to traditional residential investment (4-5%) while maintaining similar capital growth potential to large family homes.
Is co-living legal in Australia?
Yes, co-living is legal in Australia when properly certified. Properties must have 1B certification to legally house more than 3 unrelated people. This certification ensures:
- Fire safety measures and multiple exits
- Disability access and bathroom facilities
- Safety compliance for up to 12 residents
- Council approval and proper zoning
Critical Warning: Many co-living properties in Australia are not properly certified. In Queensland, operating an uncertified co-living property can result in fines up to $166,000 per infringement and up to 2 years jail time. Harmony Group only works with 1B certified properties that meet all safety and legal requirements.
What rental yield can I expect from a co-living property?
Co-living properties typically deliver 10-12% gross rental yields, compared to 4-5% for traditional residential investment properties. Individual rooms rent for $350-$400 per week (including all utilities, WiFi, and furnishings), generating approximately $1,600-$1,800 weekly income for a 4-6 bedroom property.
Yield Comparison Example:
- Traditional 4-bedroom house in growth corridor: ~$600/week = 4-5% yield
- 4-bedroom co-living property same location: ~$1,400-$1,600/week = 10-12% yield
These higher yields are sustainable due to:
- Per-room rental model vs. whole-house rental
- Fully furnished premium offering
- Professional property management
- Low vacancy rates (typically under 2%)
How much do I need to start investing in co-living property?
For Harmony’s optimal co-living investment model, you need approximately $200,000-$220,000 in usable equity or cash, covering:
- 20% deposit on property
- Furniture and fit-out costs
- Establishment fees and costs
- Buffer for settlement
Minimum Investment Details:
- Property price range: $800,000-$1.1 million
- Deposit requirement: 20% (standard lending)
- Furniture costs: ~$15,000-$20,000
- Total upfront: ~$200,000-$220,000
Alternative Entry Points:
- 5% deposit options available (with additional considerations)
- Equity release from existing properties
- SMSF investment structures
- Joint investment partnerships
If you have less than $200,000, alternative strategies are available, but may not achieve the optimal 10-12% yield or include all premium features of the Harmony model.
Can I use my SMSF to invest in co-living property?
Yes, Self-Managed Super Funds (SMSFs) can invest in co-living properties, following standard SMSF property investment rules:
SMSF Co-Living Requirements:
- Property must meet ATO’s “sole purpose test”
- Cannot be lived in by SMSF members or related parties
- Must use Limited Recourse Borrowing Arrangement (LRBA) if borrowing
- Maximum LVR typically 80% (sometimes lower for co-living)
- All rental income flows to SMSF
- Property expenses paid from SMSF
Benefits for SMSF Investors:
- Tax-effective income (15% during accumulation, 0% in pension phase)
- Higher yields accelerate super growth
- Diversification from sharemarket
- Asset you control
SMSF Co-Living Considerations:
- Some lenders more conservative on co-living in SMSF
- Longer finance approval timelines
- May need specialist SMSF lending broker
- Compliance costs for SMSF administration
Harmony works with SMSF specialists who understand the structure and can navigate the specific requirements for co-living investments within super.
What are the main risks of co-living investment?
Like any investment, co-living carries risks that should be understood:
Market Risks:
- Rental Demand Changes:
- Economic downturn reducing employment in area
- Oversupply of co-living properties (why Harmony avoids oversaturated markets)
- Changing tenant preferences
- Mitigation: Harmony’s 118-point data analysis identifies sustainable demand, specialist property managers maintain low vacancy rates
- Interest Rate Increases:
- Higher loan costs impact cash flow
- Refinancing challenges if rates spike
- Mitigation: Higher income buffer than traditional property, rate locking options, offset accounts
- Property Value Decline:
- Market corrections or local economic issues
- Property not maintaining capital growth
- Mitigation: Location selection in growth corridors, diversified employment areas, income provides buffer
Operational Risks:
- Property Management Issues:
- Underperforming property manager
- Higher than expected vacancy
- Poor tenant selection
- Mitigation: Harmony only uses proven managers with track record, rental guarantees in place
- Maintenance Costs:
- Higher wear and tear than expected
- Multiple bathrooms/kitchens increase repair costs
- Tenant damage
- Mitigation: New builds have lower maintenance, bonds held for damages, quality tenants reduce issues
- Regulatory Changes:
- Council regulation changes affecting co-living
- Zoning modifications
- Building code updates
- Mitigation: 1B certification provides strong compliance foundation, properties can be converted to traditional rental if needed
Structural Risks:
- Builder Performance:
- Construction delays
- Builder bankruptcy during construction
- Quality issues
- Mitigation: Harmony only uses proven builders, construction insurance in place, builder contracts protect buyers
- Finance Challenges:
- Lender pulls out before settlement
- Valuation comes in low
- Changed financial circumstances
- Mitigation: Specialist brokers, multiple lender relationships, untitled land provides time buffer
Personal Risks:
- Life Changes:
- Job loss affecting serviceability
- Relationship breakdown requiring asset division
- Health issues impacting income
- Mitigation: Income protection insurance, emergency fund buffer, investment should fit within overall capacity
Risk Summary: Co-living investment is higher risk than primary residence but comparable to traditional investment property, with added risks around specialized management offset by higher income potential.
How do I know if co-living investment is right for me?
Ideal Co-Living Investor Profile:
Financial Position:
✅ Have $200,000+ in usable equity or cash
✅ Stable employment or income
✅ Good credit history
✅ Existing property ownership (though not required)
✅ Capacity to service additional debt
Investment Goals:
✅ Seeking passive income to offset expenses elsewhere
✅ Want to accelerate mortgage payoff on primary residence
✅ Building retirement income portfolio
✅ 5-10+ year investment timeframe
✅ Focus on cash flow over just capital growth
Risk Profile:
✅ Comfortable with property investment fundamentals
✅ Understand market cycles and can ride downturns
✅ Accept specialized property requires specialized management
✅ Have emergency fund buffer for unexpected costs
✅ Can handle moderate liquidity constraints
Personal Situation:
✅ Don’t need property for personal use
✅ Comfortable with property interstate (if applicable)
✅ Understand tax implications and have accountant
✅ Willing to hold medium-term (not quick flip)
NOT Ideal For:
❌ First-time investors with no property experience
❌ Need capital in next 1-2 years
❌ Cannot afford serviceability buffer for rate rises
❌ Want to live in or use property personally
❌ Uncomfortable with specialized property management
❌ Expect unrealistic returns or guarantees
Self-Assessment Questions:
- Can I afford to hold this property if interest rates rise 2%?
- Do I have 6-12 months expenses saved separately?
- Am I comfortable with 5-10 year hold period?
- Do I understand the tax implications?
- Have I researched co-living market in target areas?
If you answered yes to most ideal profile criteria and self-assessment questions, co-living may suit your investment strategy.
What's the first step to get started?
Harmony Group Investment Process:
Step 1: Initial Consultation (30-45 minutes)
- Book free strategy session with Harmony
- Discuss your financial goals and situation
- Explain co-living investment model in detail
- Determine if strategy aligns with your needs
- No obligation – honest assessment if suitable or not
Step 2: Financial Assessment (1-2 weeks)
- Connect with specialist mortgage broker (if needed)
- Assess borrowing capacity
- Review deposit/equity position
- Pre-approval application (if financing)
- Structure strategy with accountant/advisor
Step 3: Market Selection & Opportunity Review
- Harmony presents current opportunities matching your criteria
- Review locations using 118-point data analysis
- Understand specific property details and projected returns
- Q&A on any concerns or questions
- Time to do your own research and due diligence
Step 4: Property Reservation
- Sign land contract with 5% deposit
- Legal review of contracts (your solicitor)
- Cooling-off period if applicable
- Reservation of specific land parcel
Step 5: Design & Build Finalization (2-4 weeks)
- Review and approve building plans
- Select any customization options
- Confirm furniture package
- Sign building contract with 5% deposit
- Property manager sign-off on design
Step 6: Finance Finalization (During 3-6 month untitled period)
- Formal finance application
- Property valuation
- Final loan approval
- Loan documents signed
- Settlement preparation
Step 7: Construction (6-12 months)
- Regular progress photos and updates
- Builder inspections and reports
- Harmony coordinates all builder/council interactions
- Zero owner involvement required
Step 8: Settlement & Tenant Placement (2-4 weeks)
- Final inspection (you or property manager)
- Settlement on land and building
- Furniture installation and setup
- Property manager tenant placement
- Rental income begins
Total Timeline: 12-18 months from initial consultation to rental income Owner Time Investment: Approximately 10-15 hours across entire process
Getting Started Today: Contact Harmony Group to schedule initial consultation:
- Phone: 1300 902 396
- Email: contact@theharmonygroup.com.au
- Website: theharmonygroup.com.au
- No obligation, honest assessment of suitability
Financial Calculators
IMPORTANT INFORMATION
This website provides general information only and does not constitute personal financial advice. Property investment carries significant risk including possible loss of capital, and past performance does not guarantee future results. Projected yields and income are estimates that may not be achieved. Before investing, consult licensed financial, legal, and tax advisors. Read our full disclaimers.