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For decades, residential property investment has repeatedly proven to be a stable investment strategy. Property investment is less risky, more predictable and helps you build wealth over the long term.

But before you take the leap it pays to do your research, get solid professional advice, and make sure that you’re clear about your goals and expectations.


For any investment, cash flow is everything. And that is one of the most important reasons why investing in residential property is a great choice: it delivers a predictable rate of financial return as rental income (cash flow) into your bank account every month. This steady flow of cash helps you predict fairly accurately if the property is worth investing in, while you build long-term wealth and a retirement nest egg.

The benefits of investing in a newly built Connect home

  • Older homes may need renovations and/or significant maintenance and upkeep. New homes are ready to lease and more likely to attract a higher rental return, versus an older house that needs work
  • New Home Structural Guarantee provides peace of mind in your investment
  • Government concessions for eligible new residential properties (First Home Owner Grant (New Homes) scheme)
  • Fixed price means no hidden costs: a fixed price contract and full transparency means there are no surprise fees or price shocks
  • Higher quality inclusions: Trusted well-known brands, high quality products
  • Quality assurance: 3 months after construction we’ll undertake a comprehensive Warranty Inspection
  • Property investment home loan advice: from our in-house consultants
  • Taxation allowances for depreciation of assets – a new home with brand new inclusions will return higher depreciation rates in the early years than an older established home


Property investment is great for retirement investment and Self Managed Super Funds (SMSF)

Since the Global Financial Crisis hit in 2009 and global financial markets took a battering, many lost faith in investing too heavily in stocks and shares. This has caused seniors to look to property investment for reliable and less volatile investment returns and therefore the rise of the Self Managed Super Fund (SMSF).

Our property investment consultants can help you include property investment in your SMSF.


How do I set up an SMSF?

Your accountant or financial advisor will provide you with all the advice you need specific to your circumstances. However, we are happy to provide any information they may require in relation to your property investment*.

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Want to invest in property but not sure how to get started?

Whether you’re a seasoned investor looking to add to your portfolio, or a first-time investor just starting to think about investing in property, our aligned mortgage consultants will help you to find the right finance solution for you. 

We make buying an investment property simple.

Investing in property is a popular way to build your long-term wealth: it’s low risk, it delivers regular cash flow as rental income, and helps to grow your capital. Property investment is also a great way to put your superannuation to work in the form of a Self-Managed Super Fund (SMSF) to secure your financial future.

How much can you afford to borrow to invest in property? 

Knowing how much you can afford to borrow is the big question. Our handy mortgage calculators will help you to determine your borrowing ability.

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In short, historical tracking of property vs. shares has proven that overall the stock market is a much higher risk with markets being more vulnerable to economic fluctuations such as the Global Financial Crisis in 2009.

Investing in property is a much more stable and reliable investment because property values very rarely go down and you also benefit from a stable cash flow from rental payments.

Finally, you can invest your superannuation in a Self Managed Super Fund (SMSF). Read more about property investment and SMSFs here.

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What is negative and positive gearing?

“Negative gearing” means that the cost of owning and maintaining your investment property outweighs the rental income it generates. The difference is therefore a loss that can be claimed as a tax deduction, which reduces tax on your salary or overall income.  “Positive gearing” means that the income from your investment property exceeds your interest expenses and other deductions. This means that you may need to pay additional tax on the income derived from your investment property.

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Co-ownership or joint ownership

Did you know that you can pool your financial resources with family or friends to buy an investment property? However, this tactic carries greater risk so make sure you access the right legal and financial advice before proceeding to ascertain each person’s financial commitment and ownership percentage.

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What is the best type of home loan for my investment property? Will it be different to a standard home loan?

Some lenders may charge you a higher interest rate if you’re borrowing for an investment property, so it pays to shop around and get the right loan advice. The loan on your investment property will also depend on the amount of equity you have in your current home. To get more information about the right kind of loan please contact us and we can arrange for one of our home loan advisors to contact you.

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How much can I afford to borrow?

It all depends on the equity you have in your current home and several other variables. To find out how much you can afford to borrow, please use our property investment calculator, or send us an email enquiry.

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I’m from overseas, am I allowed to buy an investment property in Australia?

The laws for property investment in Australia by non-residents or non-Australian citizens are changing all the time. Please read the FAQ on the Australian Government Foreign Investment Review Board’s website for the most up to date information.

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What is the best type of property to ensure the best return on my investment?

Obviously choosing a property that is most likely to grow in value is the best type of property to ensure return on your investment. But also take into consideration current rental incomes in the area you’re thinking of buying in. 

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Can I use the equity in my existing home to buy an investment property?

If you already own your own home you may not need a deposit to buy your investment property. Instead you can use the equity in your existing home. Equity is the difference between your home’s current market value vs. the balance of your mortgage.

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Got a question that isn't here?

Please contact us to speak with one of our property investment consultants 

Your property investment checklist:

What do you hope to achieve with your investment property? Here are some important things to think about:


  • What kind of tenants would you like? Young couples with kids may cause wear and tear on the house for example. Maybe an empty-nester with regular retirement income is more ideal?
  • The size of the property is important: Too big and rental income may not be enough to cover costs. Too small and you may not get the right kind of tenants. 
  • Be wary of overcapitalizing – recouping investment costs may be difficult. But if you’re going to live in the house yourself later, then overcapitalizing is probably not a factor.
  • Is rental demand healthy in the area you’re thinking of building in? Do you need regular income from your investment property? 

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