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I get asked this a lot at the moment. With rates higher than they were a couple of years ago and headlines jumping between “boom” and “bust,” people want to know if property investment still makes sense.
My answer is yes, it can. But only if you approach it with a clear plan.
Property values move up and down in the short term. That’s normal. But over time, the trend has been growth. Location, infrastructure and demand keep pushing values higher in the long run. That hasn’t changed.
Vacancy rates are low across many parts of the country. Rents are rising because demand is outstripping supply. For investors, that means stronger yields and cash flow to help manage repayments.
There’s no avoiding it. Rates have gone up (although right now are on their way back down) and holding an investment property costs more today than it did a few years ago. The difference comes down to how your loan is structured. The right loan setup can take a lot of pressure off and make the numbers work better.
Some tax benefits are still available. Negative gearing and depreciation remain in place. They shouldn’t be the only reason you invest, but they can help balance the costs and improve your overall position.
So is property investment still worth it? In my view, yes, though this does depend on a number of factors. This depends on Property is not a quick win, it’s about playing the long game. If you buy the right property and make sure your finance is structured properly, property remains one of the most reliable ways to build wealth in Australia.
If you’re considering an investment, my advice is simple. Be clear on your budget. Know your numbers. Choose carefully. And make sure your loan is working for you.
If you’re wondering whether it’s the right move for you, let’s run the numbers and see if it stacks up. I’ll give you a straight answer based on your situation.
We are based on the beautiful Queensland coast, between the Sunshine Coast & Brisbane and we offer a complimentary home loan broking service.
Make an appointment today for an obligation-free chat, to talk about what you need and how we can help.
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From 1 October 2025, all first home buyers will be able to purchase with just a 5% deposit under the expanded First Home Buyer Guarantee. There will be no income limits, no caps on places, and higher property price caps.
With interest rates rising and the media full of mixed messages, a lot of people are asking if property investment is still a smart move. The simple answer is yes. Property can still build wealth over time, but it has to be approached with the right strategy.
Mark recently helped a Keperra couple tap into the equity in their home to fund their first investment property and with a pre-approval in place, they’re now entering the market with confidence. If you're considering investing in Keperra, here’s why the suburb is quickly becoming a North Brisbane hotspot for smart investors.
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