Everything buyers ask us before getting started

Capital growth is ultimately what allows you to build a larger property portfolio and create long-term wealth. As your properties increase in value, you may be able to access that equity to fund deposits and costs for future investment properties. Rental yield is still important, particularly for managing cash flow and maintaining borrowing capacity, but we generally don't believe investors should sacrifice the quality or long-term growth potential of an asset simply to achieve a higher yield. Our approach is to find the right balance between capital growth, rental yield and your ability to continue building your portfolio.

You don't necessarily need a 20% deposit to start investing in property. Depending on the purchase price, your financial position and lending options, it may be possible to purchase an investment property with around $70,000–$80,000 in available funds by borrowing above an 80% loan-to-value ratio (LVR). The amount you actually need will depend on the property price, deposit, stamp duty, purchasing costs and your lending structure. Want to understand your borrowing options? We can put you in touch with a mortgage broker to review your position.

You may need less equity than you think to purchase your next investment property. Depending on the value of the property you're looking to purchase and your borrowing capacity, around $70,000–$80,000 of accessible equity may be enough to fund the deposit and purchasing costs when using lending above an 80% LVR. The important distinction is between total equity and usable equity. Your lender will determine how much equity you can actually access based on the property's valuation, your existing debt and your overall financial position. Want to understand how much usable equity you have? We can put you in touch with a mortgage broker to review your position.

Yes. One of the biggest advantages of owning property is the ability to potentially use the equity you've built to purchase another investment property without saving an entirely new cash deposit. If your home has increased in value or you've reduced your mortgage, you may be able to refinance and release a portion of that equity. Those funds can then potentially be used towards the deposit and purchasing costs of an investment property. This is a strategy many property investors use to continue building their portfolio as their existing properties grow in value, subject to having sufficient borrowing capacity and lender approval.

You don't necessarily need 10, 20 or 30 investment properties to create a meaningful passive income. With the right assets and a carefully implemented long-term strategy, we believe it can be possible to build towards $150,000 per year in passive income with as few as 2–3 strategically selected properties. The key isn't simply the number of properties you own. It's the value of the portfolio, capital growth, debt position, rental income and strategy used over time. At Taylored Property Wealth, we focus on the end goal first and work backwards to determine what type of portfolio and investment strategy may be required to achieve it.

Investment property buyer's agent fees in Australia can vary considerably, but a comprehensive investment property buying service will commonly cost around $15,000–$25,000, depending on the service, strategy and complexity of the purchase. Price shouldn't be the only consideration when choosing a buyer's agent. You're potentially making a decision involving hundreds of thousands of dollars, so it's important to understand what you're actually receiving for the fee. Consider the quality of the research, property selection process, investment strategy, due diligence, negotiation, off-market access and ongoing support being provided. A cheaper buyer's agent isn't necessarily better value if the property you purchase doesn't align with your long-term investment goals.

There isn't one property investment strategy that's right for every investor. The best strategy depends on your income, available cash or equity, borrowing capacity, existing portfolio, risk profile and long-term financial goals. For one investor, that could mean purchasing a high-quality property focused predominantly on capital growth. For another, it could mean purchasing a Melbourne unit with a lower entry price, adding a granny flat to increase rental yield, or implementing a dual-occupancy strategy designed to manufacture equity and increase cash flow. At Taylored Property Wealth, we believe the strategy should be selected around the investor first — and the property second. The objective is to identify a strategy that helps you purchase the right assets today while still putting you in a position to continue building your portfolio in the future.