Questions, answered straight.

Delphi & Co is upfront about every fee before you commit to anything. Our costs are discussed openly during your free discovery call - no hidden charges, no fine print. We break down exactly what each stage costs so you can make an informed decision with full visibility. And if buying an investment property isn't right for you, we'll say so - even if it means we don't earn a cent. That honesty is why we hold a perfect 5.0-star Google rating.

No - the education is free. The Delphi Scorecard, our resource guides, and your first discovery call cost nothing and come with no obligation. If you decide to go further with us, any membership or service costs are shown to you upfront, in writing, before you commit to anything. You'll never discover a fee after the fact. We'd rather you understand everything first and move forward only if it makes sense.

No. We teach first and always will. The Scorecard, the guides, and the discovery call exist to give you clarity about your own position - not to corner you into a decision. There's no pressure and no countdown clock. If the numbers make sense for you, we'll show you the next step. If they don't, we'll tell you that too and you'll walk away better informed than you arrived.

No. We don't sell property. We help you buy properly. Delphi & Co is a buyer's agent, which means we work for you - the buyer - not for a seller or a developer. Our job is to find, evaluate, and negotiate the right investment property for your situation, with your interests as the only interests in the room.

Beyond the purchase price, buyers should plan for stamp duty, legal and conveyancing fees, building and pest inspections, lender fees, and ongoing costs like insurance, rates, and property management. The exact amounts vary by state and property, which is why we walk through every cost line by line during the Finance step of The Delphi Wealth Method - before you commit to anything. No surprises.

The Delphi Wealth Method is our approach to helping everyday Australians build real wealth through property. It's built on a simple idea: working hard on its own doesn't build wealth - but the equity sitting in your home can do the heavy lifting. It runs in six steps - Clarity, Finance, Acquisition, Optimisation, Expansion and Legacy (/wealth-pathway/) - taking you from understanding your position to owning quality property, growing it when you're ready, and leaving something behind. Education first, jargon never.

The Delphi Wealth Method runs in six steps: Clarity, Finance, Acquisition, Optimisation, Expansion, and Legacy. It covers every stage from your first conversation through to settlement, the annual reviews after it, growing the portfolio when the numbers say you are ready, and what the whole thing eventually leaves behind. It exists to remove the confusion and guesswork that stops most people from ever taking action - you always know what happens next and why.

The Delphi Scorecard is a free self-assessment tool created by Delphi & Co that gives you a clear picture of your position for building wealth through property. It takes under 5 minutes, asks straightforward questions about your home, your work and income, and your goals, and delivers a personalised result. No jargon. No pressure. Just clarity on where you stand. If it makes sense, the Scorecard connects you with our team for a free discovery call.

The Scorecard asks about seven things: whether you own your home, roughly what it's worth, what you still owe on it, your work situation, your income, your goal, and your timeframe. Together these paint the picture that matters - how much usable equity you may have, how a lender is likely to view you, and what a realistic pathway looks like for your goal. Nothing is shared with anyone, and there are no trick questions.

You'll receive a personalised result showing where you stand right now. From there, the next step is optional: a free, no-obligation discovery call with our team where we talk through your result in plain English and answer your questions. There's no pressure to go further. If your position isn't ready yet, we'll tell you honestly and point you to the education that helps you get ready.

Most clients go from first conversation to settlement in a few months. The early steps - getting clarity on the goal and getting the finance right - typically take a few weeks. The property search depends on the market, and once a contract is signed, settlement usually follows about six weeks later. Delphi & Co coordinates every step, so most clients say they just had to check emails and sign.

A buyer's agent works exclusively for you - the buyer - not the seller. We research locations, shortlist properties that fit your strategy, do the due diligence, and negotiate the purchase on your behalf. A selling agent's job is to get the highest price for the seller; ours is to get the right property at the right price for you. Delphi & Co adds a layer most buyer's agents don't: the education and structure of The Delphi Wealth Method around the purchase.

No. Delphi & Co provides general information and education only - we don't provide personal financial advice, and nothing on this site takes your individual circumstances into account. For the regulated pieces - the loan, tax, or financial advice - we bring in the right licensed people at the right time, and we always recommend speaking to your own qualified advisers before making decisions. Our role is education, property search, and coordination.

Usable equity is the portion of your home's value you can typically put to work. A quick estimate: take around 80% of your home's current value, then subtract what you still owe on your mortgage - lenders generally like to keep a buffer of about 20% in the property. So a home that has grown in value while you've paid down the loan can quietly build a meaningful sum. Our guide at /resources/usable-equity-explained/ walks through it step by step, and the Delphi Scorecard estimates yours in under 5 minutes.

In simple terms, a lender lets you borrow against the equity in your home, and that borrowed amount becomes the deposit and purchase costs for an investment property - with a separate investment loan covering the rest. You don't need to sell anything, and your day-to-day home loan can stay in place. A licensed mortgage broker structures it properly during the Finance step. Our guide at /resources/how-to-use-home-equity-to-invest/ explains the whole picture.

Not necessarily. This is the part that surprises most people: if you own a home with enough usable equity, that equity can serve as the deposit - no years of scrimping required. Many of our clients buy their first investment property without touching their savings account. Whether that works for you depends on your home's value, your loan balance, and your income. The Delphi Scorecard gives you a clear read in under 5 minutes.

It depends on your income, your existing commitments, your usable equity, and how a lender assesses your ability to service the loan - including rental income the property is expected to earn. Every lender calculates it a little differently, which is one reason a good mortgage broker matters. Our guide at /resources/how-much-can-i-borrow/ explains what lenders look at, and the Finance step of our Pathway gets you real numbers from licensed professionals.

Yes - and for many couples it's the difference-maker. Combining two incomes and the equity in a jointly owned home often opens up options that neither partner would have alone. Joint investment loans are common and well understood by lenders. The Delphi Scorecard lets you enter your combined picture, and our guide at /resources/property-investing-for-couples/ covers how couples make it work - including how to get aligned before you start.

Yes. Self-employed Australians and tradies buy investment property every day - the paperwork just looks a little different. Lenders typically want to see your recent financials, and some have loan products designed specifically for business owners. If your income is solid but irregular, don't rule yourself out before speaking to a broker who knows the self-employed lending landscape. Our guide at /resources/property-investing-self-employed/ covers what to expect.

You almost never need to sell. Depending on your situation, a broker might set up a separate equity loan alongside your existing home loan, or refinance if a restructure genuinely leaves you better off - it depends on your current loan, rate, and goals. This is exactly what the Finance step is for: a licensed broker maps the structure that fits you, and you see the options side by side before deciding anything.

Every investment carries risk, and property is no exception - values move, tenants come and go, and interest rates change. The honest answer is that risk can't be eliminated, but it can be understood and managed: quality property selection, adequate insurance, a cash buffer, and a long-term view all reduce exposure. We'd rather you go in clear-eyed than starry-eyed. Our guide at /resources/is-property-investment-risky/ gives you the full, honest picture.

Short-term dips happen - that's the nature of any market. What matters is that property investment is a long-term strategy, typically held for a decade or more, and a temporary fall in value doesn't change the rent coming in or the loan being paid down. The Australian market has moved through plenty of cycles. A quality property in an area with real demand, held patiently, is how investors ride out the noise. Delphi & Co's ongoing reviews keep your strategy on track through every cycle.

It's one of the most common questions in Australian households, and there's no single right answer. Paying down your home loan is safe and certain. Investing puts your equity to work while your home continues to grow underneath you - but it adds debt and risk. The right choice depends on your buffer, your timeline, and your comfort level. Our guide at /resources/invest-or-pay-off-mortgage/ walks through both paths honestly so you can decide with clear eyes.

Waiting feels safe, but it quietly has a cost - every year on the sidelines is a year of rent and growth you don't receive. For long-term investors, time in the market has consistently mattered more than timing the market. That said, the answer is never to rush: if your position isn't ready, waiting and preparing IS the right move. The difference is waiting with a plan versus waiting out of fear. Our guide at /resources/should-i-wait-to-invest/ helps you tell the two apart.

The big ones: buying with emotion instead of data, skipping due diligence, stretching finances with no cash buffer, buying in the wrong location because it's familiar, and getting the order wrong - picking a property before understanding your finance and strategy. Almost every costly mistake traces back to rushing or guessing. The Delphi Wealth Method exists precisely to take rushing and guessing off the table. Our guide at /resources/property-investment-mistakes/ covers each one in detail.

This deserves a straight answer: when you borrow against your home's equity, your home secures that borrowing - so the structure must be set up responsibly. That's why lenders assess your ability to service the loan before approving anything, why we insist on cash buffers, and why the finance step is handled by licensed professionals rather than guesswork. Done properly, thousands of Australian families invest this way every year. Done carelessly, it's how people get hurt. We only do it properly.

Everyday Australians who own a home and want their hard work to actually build wealth - working families, tradies, professionals, couples. If you've owned your home for a while, chances are it has quietly grown in value while you've paid down the loan. That equity is the raw material. You don't need to be rich, and you don't need to be a finance expert - that's what we're for. The Delphi Scorecard shows you in under 5 minutes whether your position is worth a conversation.

It's more than OK - it's most of our clients. The majority of people we help are buying their first investment property, and plenty tell us they'd been thinking about it for years but didn't know where to start. That's exactly why the Method is education-first: you learn what's happening at every step, in plain English, before any decision is made. You don't need experience. You need a clear picture of your position and a guide who's done it hundreds of times.

Adel Pearce is the Founder and CEO of Delphi & Co, a buyer's agent with over 12 years of experience in property. He built his own property portfolio from the ground up and founded Delphi & Co to help everyday Australians do the same. Adel wrote the book 'The Delphi Wealth Method' and built the six-step client method of the same name because he wanted to be the guide he wished he'd had - someone who talks straight and genuinely cares.

Yes - 'The Delphi Wealth Method' is also the title of the book by Adel Pearce, founder of Delphi & Co. It's a plain-English guide to building wealth through property for everyday Australians - the mindset, the process, and the practical steps, told the way Adel talks: straight, warm, and without jargon. It's the same thinking the team uses with every client, written down. You can read Part 1 free and join the waitlist at /book/.

For many of our clients, that's the real reason they start - not the numbers, but what the numbers make possible. A quality investment property, held for the long term, can grow into an asset that supports your family well beyond your working years and, with the right estate planning, benefits your children. At Delphi & Co we think about your family's long game, not just the deal in front of us. Every decision gets made as if it were for our own family.

Yes. Delphi & Co is a Queensland-based business working with clients right across Australia. Because we're a buyer's agent rather than a local sales office, we search wherever the data says the opportunity is - not just our own backyard. Your discovery call happens by phone or video at a time that suits you, and the whole Pathway is designed to run smoothly no matter where in the country you live.

Your details are used for one thing: preparing your Scorecard result and, if you choose, your discovery call. We don't sell your information, and we don't hand it to third parties for their marketing. You can ask us what we hold about you or ask us to remove it at any time. The full detail is in our privacy policy at /privacy/ - written in the same plain English as everything else we do.

Two easy doors, both free. If you want a read on your position first, take the Delphi Scorecard at /delphi-scorecard/ - under 5 minutes, personalised result, no obligation. If you'd rather just talk to a human, book a free discovery call at /book-a-call/ and we'll answer your questions in plain English. Either way, the next step only happens if it makes sense for you. No pressure, no jargon, no fine print.