Investing In Property Guide

 Things To Consider Before Investing in Property In QLD

Before investing in property, prioritise assessing your financial capacity, defining your investment goals (capital growth vs. rental yield), and researching high-demand locations. Key considerations include securing pre-approval, understanding ongoing holding costs and ensuring liquidity in case of periods without tenants.  Below are some practical things that you need to consider:

1) What Are Your Property Investment Goals?

Before anything else, you need clarity on what the outcomes you want to achieve. 

 �� – Cash flow (a reliable income now)
 �� – Capital growth (building wealth for long-term)
 – Balanced (investing for both growth and income)  

2) What Is Your Borrowing Position?

Ultimately, this determines everything. You will need to consider:

– Current Income
 – Existing debts
- Existing Savings / Equity
– Owner-occupied vs renting

If you already own your own home, you may be able to use equity instead of cash. 

3. Deposit & Costs 

First time investors do not get the same concessions that first home buyer get :
 – Deposit Required: Typically 10–20%
 – Stamp duty: FULL (no concessions)
 – Costs: ~5% total upfront

 4. Understand The Property Investment Strategies Working in Queensland Right Now

Strategies that are currently working:

– Buy established house in growth suburb
 – Add value (consider renovations or look at properties with subdivision potential)
 – Hold on to your investment assets for capital growth

5. Numbers you NEED to understand 

– Rental yield (the % return you make from rent)
– Negative gearing (a loss can reduce your tax but this should be seen as a side effect not a strategy)
– Cash flow (how much the property costs you weekly)

6. Common Beginner Mistakes

 ❌ Buying based on emotion
 ❌ Chasing “cheap” instead of “growth”
 ❌ Over-leveraging
 ❌ Not planning exit strategy
 ❌ Listening to sales agents instead of analysing data

7. Have a simple game plan (if you’re starting now) 

1. Get borrowing capacity checked
2. Set clear goal (growth vs income)
3. Identify 2–3 target suburbs
4. Run real numbers (not guesses)
5. Buy well → hold long-term

8. Keep Your Expectations Realistic 

Property investing is:
 – A long term play
 – Leverage-driven
 – About buying well, not buying fast
– About the purchase itself more than timing.