financialservicesonline

Australian Insurance, Finance, Superannuation & Investment Resources

Income Insurance Calculator
  • Superannuation & investment information & advice.
  • Locate and consolidate multiple superannuation funds.
  • Setup a self-managed DIY superannuation fund.
  • How to buy investment property through superannuation.
  • Get the latest local and international financial market indices & information.
  • Find a specialist financial adviser to help you develop your financial plan.
Need Some Help With Your Super?
What type of assistance do you need?


Need Some Help With Your Super?
What type of assistance do you need?

Property Investment in Australia

Need information or advice on property investment?
Investment Property Information and Advice

Investing in residential property

If you are considering real estate as a potential investment, there is a considerable amount of information and experience available to you. It is important to understand that the are both pros and cons of property investment and, for most people, property should only be acquired with a long term view.

Real Estate Investment

Investing in property has been a preferred means of wealth aquisition for Australians for many years.

Property is generally considered a good, safe investment over time - but there are plenty of traps for the unwary or the unprepared.

Investment Return and Capital growth

Becoming a landlord means that you enjoy both strong capital growth in your property over time as well as receiving an income along the way.

The majority of "mum and dad" property investors utilise the rental income from their investment property to offset cost of the borrowings used to purchase the investment. There are considerable tax concessions for investing in residential real estate.

A strategy that incorporates tax concessions to help offset the cost of owning an investment property is referred to as negative gearing.

You should consult an expert in the property investment field before making any binding decisions.

Property Investment Risks

Unlike investment vehicles such as shares or cash, property is relatively illiquid. That is to say that it can't be turned into cash at short notice.

Property values can fluctuate quite dramatically in line with supply and demand which can be influenced by many things including interest rates.

When mortgage interest rates rise, it not only means a direct cost increase to the investor who borrowed to purchase the investment property, it can often lead to an effective fall in the value of property.

This can happen because the additional interest costs in maintaining a rental property more expensive, less profitable and, therefore, potentially less valuable to potential purchasers.

Whilst these fluctuations can be minor, it is possible for more significant dips in the value of residential property which can coincide with the need to sell.

The are many costs involved in owning and renting a property. As a landlord, you are responsible for the upkeep, maintenance and repair of the property. Expenses such as water and council rates, insurance are the beginning, but there can be plenty of unexpected maintenance issues that can arise.

Professional Advice

The choice in type, size and location of the property, the type of finance best suited, and your own financial suitability for this type of investment are all factors to be considered carefully before getting started.

Engaging the professional advice of a specialist financial planners in the field of property investment advice is strongly recommended.

Share this page:

Financial Planning Calculators

Our Calculators

Our financial calculators are provided for your free use on this website and are designed to remove some of the guess-work to help you make informed financial decisions.
Financial calculators

Please note that some of our calculators may use assumptions that are not necessarily applicable to your current specific circumstances and we therefore cannot always guarantee their accuracy. You should always seek professional financial advice from a licensed professional before proceeding with any financial recommendations.

Currency Converter [click]
Compare currency exchange rates for all major international currencies.

Financial Goals [click]
Plan for your future by setting financial goals with this handy calculator.

Net Worth Calculator [click]
Find out if you are where you should be financially

Retirement Calculator [click]
Find out whether your retirement savings are on track to meet your longer term needs

Financial News & Information

Popular Wealth Creation Articles
5 Smart Money Tips for Australians to Thrive Financially in 2023 5 Smart Money Tips for Australians to Thrive Financially in 2023
As we are entering the new year, it's important for Australians to start thinking about their finances and how they can make the most of their money. Here are five smart money tips for Australians in 2023: - read more
The First Law of Money: Wealth Creation Starts With 9 Words The First Law of Money: Wealth Creation Starts With 9 Words
Wealth creation is a process described by a few essential laws of money. If you live by these rules, your chance of financial success is very good ... and yet the majority of people will struggle financially as they go through life. Why is this? - read more
12 Reasons Why People Don't Get Wealthy 12 Reasons Why People Don't Get Wealthy
Anthony Robbins is one of the top success coaches in the world, having coached star sports players, heads of states and Fortune 500 executives. In his Get The Edge program, he listed 12 specific reasons he has come to observe to be the leading causes for most people's lack of wealth. - read more
The face of an ideal wealth creation strategy The face of an ideal wealth creation strategy
One of the major objectives of any wealth creation strategy is to generate passive income at the lowest possible risk and cost. Here are some strategic insights to making it happen. - read more
Recent Wealth Creation Articles
The Australian's Guide to Smart Investment Choices for Long-Term Growth The Australian's Guide to Smart Investment Choices for Long-Term Growth
As Australians, we're blessed with a dynamic and diverse financial landscape, but navigating it requires making informed decisions. In this article, we're going to explore how smart investment choices can pave the path to long-term growth, ensuring your financial future is as bright as the Australian sun. - read more
5 Smart Money Tips for Australians to Thrive Financially in 2023 5 Smart Money Tips for Australians to Thrive Financially in 2023
As we are entering the new year, it's important for Australians to start thinking about their finances and how they can make the most of their money. Here are five smart money tips for Australians in 2023: - read more
How to Succeed in Business (Without Losing Your Soul) How to Succeed in Business (Without Losing Your Soul)
This book is a guidebook to success in business and professional practice.How you define 'success' of course is entirely up to you - we all have different goals and aspirations and come from divergent backgrounds and circumstances.The fact that 'success' is a fluid concept does not mean that it cannot or should not be pursued vigorously and enthusiastically.But at what personal price? Click to Download Free - read more
The First Law of Money: Wealth Creation Starts With 9 Words The First Law of Money: Wealth Creation Starts With 9 Words
Wealth creation is a process described by a few essential laws of money. If you live by these rules, your chance of financial success is very good ... and yet the majority of people will struggle financially as they go through life. Why is this? - read more

Follow us!

Financial Services Online on social media
Stay up-to-date with the latest news, views, products, information & resources from Financial Services Online

Important: Financial Services Online is a referral service. We provide general information only and we do not offer financial advice. We refer all insurance, finance and other enquiries that are initialted on this and our associated websites to specialist advisers who are licensed in their respective fields. You should always seek professional advice before making important financial decisions.
';