Frequently Asked Questions

Here are some questions that we get asked

How much deposit do i need?

If you already own a property, the good news is you may not need a cash deposit at all. Many of our clients use the equity in their existing home or investment property to cover the deposit and costs of getting into their investment properties. This means there’s usually no out-of-pocket expense, making it possible to secure an investment property without dipping into your savings.

If you’re purchasing a property through a Self-Managed Super Fund (SMSF), the requirements are a little different. Generally, this may involve a deposit of around 20% of the purchase price, along with additional costs of approximately 5% to cover items such as stamp duty, legal fees, and a financial buffer.

The amount required will depend on your situation, but whether you’re using equity or super, we guide you through the process with professionals to make sure you’re set up correctly.

Absolutely. Most of our clients use the equity in the owner occupier property to fund the deposit and on-costs. Sometimes, people don’t even realise their potential to invest in property until they speak with us.

Yes, many of our clients use their Super to purchase investment properties
This is achieved through a Self-Managed Super Fund (SMSF),  it has to be purely an investment property, not a home you or your family live in.
Don’t worry well keep you on track.

There’s always a lot of discussion around timing the market, however what consistently proves most important is being guided into the right location for the right reasons. At Invest Realty Australia, our focus is on helping clients identify areas with strong fundamentals and future growth potential, rather than trying to pick short-term market movements. With the right guidance and a well-selected property, taking action at the right time can play a key role in building long-term results.

The best time to invest in property depends on more than just the calendar, it comes down to understanding where we are in the market cycle and choosing the right location at the right time. At Invest Realty Australia, this is what we specialise in. We’re experts at analysing property markets, identifying growth corridors, and timing the entry so our clients can maximise both capital growth and rental returns.

Property markets don’t stand still, they are constantly changing and evolving, that’s why it’s so important to have a team that actively researches and monitors markets across Australia, for the best possible outcome.

We believe success in property investment is about more than “time in the market”,  it’s about being in the right market at the right time. Our role is to guide you into those opportunities so you can grow your portfolio strategically and confidently, no matter where the market cycle is.

We recommend all types of properties, depending on the situation. This could be a townhouse or apartment close to the CBD, a house or duplex a little further out or a combination of these if someone is looking to do a multi-property purchase. In all scenarios, it’s always about finding the right type of property, at the right time, in the right location.

Knowing when to sell is just as important as knowing when to buy. The decision should be based on where you are in the property cycle, your investment goals, and how your property is performing. At Invest Realty Australia, we closely monitor growth trends, market movements, and rental demand so we can guide you on when it makes sense to consider selling.

Our sister company, Conjunction Realty, works hand-in-hand with us and our clients to ensure that when the time is right, or if the need arises, you’re ready and able to put your property on the market with a strategy designed to achieve the best result. Together, we make sure your investment is managed from purchase through to exit, so you’re never left guessing.

As with all asset classes, there is a certain level of risk. Residential property is the largest asset class in Australia and underpins our wealth at around 13 trillion dollars. If you consider how eager lenders are to lend you money to purchase residential property, as much as 100% of the purchase price, this might give you some comfort. The Australian Government is also heavily invested in protecting residential property. For example, when COVID hit our shores, housing in Australia was one of the first things that was protected. Other asset classes such as stocks and bonds, were not. Residential property is undoubtedly one of the safest asset classes in Australia.

If you choose to work with Invest Realty Australia, we operate under a service agreement that brings together all the key services required to move forward with your property investment. This includes working with our trusted network of professionals who understand the process and how each stage fits together.

To ensure everything runs smoothly and delivers the best outcome, all services are coordinated through our recommended partners. Introducing external providers can disrupt the process, so our approach is to manage the entire journey through our established team.

Owning an investment property lets you claim deductions like building depreciation, loan costs, and outgoings. This can reduce your taxable income, saving you money on tax, that can be put back into paying off your property faster.
Always seek advice from a qualified accountant for your personal situation.

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