About Us

Welcome to Small is the New Big. 

Our Vision is to inspire our community to complete 1 million self-contained homes by December 2027 to make an impact on the housing affordability crisis in Australia. 

We will do this through the platforms of social media groups, webinars, e-learning courses and educational events.  

Our Purpose is to create and inspire change enabling people to be happier and more productive,

Our Core Values are: family, integrity, empathy, teaching and fun.

Our Personal Story

Ian and Christine

I was always told that investing in property meant negative gearing: “Lose money now, so that you can make money later”.

“It’s about delayed gratification”, my teachers said. “Accept some financial pain now, and in the future – the distant future – you’ll reap a big financial payday”.

I followed that advice for years and bought 7 properties that cost me $36,000 to hold – a third of our young family’s gross income!

We struggled to get by on what was left after paying the mortgages each month.

I was broke and felt like a slave to the banks, working long hours just to keep them at bay. I was tired, stressed and miserable.

Then, suddenly my job was at risk and I needed a way out – fast.

I Nearly Lost It All – And Went Back To Square One

We couldn’t keep feeding those mortgages and had to offload almost everything in a fire sale. That cost me $300,000 in just a few weeks.

It was heartbreaking to watch the wealth from years of hard work and sacrifice, all evaporate so quickly.

So I started over, this time determined to be smarter and to find a faster, lower-risk way. And find one I certainly did…

No longer was I working hard just to pay for my properties every month. Now, for the first time, my investment properties were paying for themselves – and they were paying for me too.

I’d reached the point where I didn’t have to work, decades sooner than my negative gearing-loving teachers had said it would happen.

It’s all thanks to a property investing strategy that produces high rental incomes now, not decades in the future.

So then, Christine and I co-founded Small is the New Big, and we turned our negative $37K property portfolio into one that enabled us to leave paid employment, over a short one year period.

We did this by investing in affordable housing.

Like many property investors, you might be surprised to hear that affordable housing can generate such high cash-on-cash yields.

Since the tenants have limited incomes, it’s easy to assume that investment returns will also be limited.

And yet, when you use the right strategy nothing could be further from the truth.

Over the last few years we’ve been working on putting together our High Income Real Estate System (HI-RES) program that reveals our secrets to help you maximise your financial potential while actively participating and working with governments to bring about affordable housing for everyday Australians.

Christine and I are entrepreneurs, educators, property investors and parents to 4 beautiful daughters. We are passionate about bringing about personal and social change and our company Small is the New Big is the platform for that change.

What motivates us more than anything is knowing that many Australians face housing stress and are at risk of homelessness.

We can help YOU invest in property, fulfill your portfolio maximum potential and create affordable housing options.

The government can’t solve problems like housing stress and homelessness on its own. But property investors like you and I, together, can make a huge difference to a lot of people’s lives.

How can we help you?


Momentum Property is a boutique development agency at the forefront of affordable housing concepts in Australia. Focus is on the sale, purchase, rental and management of single room rental, dual key designs, share housing and the development of multi-functional living in Houses of Multiple Occupation (HMO).


One of the key aspects of the HI-Res (High Income Realestate System) program is understanding how to maximise the potential of your property implementing smart design featuring adaptable floor plans and furniture.


Architecturally designed, each Arkiboat Houseboat is a creation of each owners imagination. All we provide you with are some guidelines and basic designs, and you the customer create the rest to suit your needs, tastes and desires.


Ian and Christine enjoy and are passionate about sharing their knowledge and showing people how to use the HI RES property investing strategy. Discover their secrets and learn more through their webinars and live events through the links on the menu above this site.


What if you could follow a formula to replicate the strategies, processes and tools of the successful property entrepreneurs leading this method to produce the same results, but with better outcomes, would you do it? Also get a chance to have Ian and Christine to personally coach and mentor you while you accelerate your real estate goals. Check the links on the menu above this site.


Ian Ugarte is passionate about creating and being part of real personal development and social change through creating educational courses that help people break into the property market and create affordable housing, multigenerational living and community ties. He also works with various government agencies working together to bring about real change.

Ian Ugarte

Ian Ugarte is a property expert and change maker, using Nationwide Policies to work on affordable housing outcomes in Australia.
In his capacity as founder of the Australian Housing Initiative, he has the opportunity, and often, personal invitation to talk to differing levels of Government for advice on appropriate, intelligent and efficient use of space. This gives him the leverage to help decrease housing costs and reduce mounting government pressure.
Ian is passionate about creating co-operative partnerships between Social Agencies, the Government and Private Investors to achieve sustainable and practical solutions for affordable housing, looking at the ‘Big-Picture’ and creating ‘win-wins’ for all involved.
As a qualified Builder, Plumber, Educator, Private Mentor and Coach, Ian uses his vast experience to turn traditional approaches towards housing provision on their head. Recognised as Australia’s leading micro apartment, rooming and boarding house specialist, Ian is intent on bringing back genuine community connection through elegant housing diversification.
Over the past 7 years, his audiences of more than 105,00 people have ranged from elite executives to attendees at homelessness conferences. His entrepreneurial perspective and
engaging ability, challenge existing mind sets giving a fresh context for people’s ability to develop their skill-sets and seek avenues that simultaneously help themselves and others.
Ian is sought by all levels of media, including ABC Radio Tasmania, Deborah Hutton on her Lifestyle program, VIRGIN Airlines, VOYEUR magazine, and as a regular on SKY News and several prominent podcasts, to discuss the issues surrounding the affordable housing crisis and alternative solutions.
In addition, he has authored, “Small is the New Big” – a very personal account of a journey to Health, Wealth, Love & Happiness, laying out their correlation and the effect each component has in creating success.
Recognised for his contributions, Ian was awarded as winner in the prestigious top 50 Small Business leaders in Australia 2018.

Christine Manning

Christine started her working career as a trainee accountant. Since then she has completed multiple academic qualifications ranging from accounting to natural therapies. Her latest studies have resulted in her attaining the internationally recognised qualification as an Associate Certified Meta Coach.

Christine currently works in her own business with her husband Ian Ugarte, working on building and maintaining their own property portfolio and managing a small staff base of 3 people. She is involved in creating and developing their online learning system for affordable housing.

Christine also uses her coaching qualifications to coach her personal clients in their property, wealth, health and spiritual goals.

Christine, coming from an accounting background, utilizes these skills with students – in the past with a private mentoring group called Fast Profits Mastermind and then Momentum Mastermind. Ian and Christine guided over 500 students over 5 years with their property and personal goals.

Christine’s interests are natural therapies, permaculture, organic gardening, healthy eating and living and looking after their 4 daughters. These interests have resulted in Christine achieving Certificates in such areas as Permaculture Design, Iridology, Massage, Aromatherapy, Reflexology and has an immense knowledge of what it takes to live a healthy and happy life.