Investment Property Strategies in 2025

Published: 15 March 2025

Property investment remains a popular way to build wealth. In 2025, investors should consider both macro trends and their personal circumstances. Here are some strategies to consider:

• Diversify locations: Don’t put all your eggs in one basket. Consider different cities or regional hubs to balance growth and rental yields.
• Understand cash flow vs growth: Decide whether you prioritise positive cash flow properties or long‑term capital growth. Each has pros and cons.
• Plan for rate changes: Even when borrowing costs are stable, your loan should have room for fluctuations. Ensure you can service repayments if conditions change.
• Factor in maintenance and vacancy: Budget for repairs and periods without tenants. A buffer can keep your investment on track.
• Seek professional advice: Accounting, financial and legal advisors can help structure your portfolio efficiently and mitigate risk.

Keep an emergency buffer in your offset account so you can handle unexpected repairs or interest rate rises without stress.

Before committing to an investment, research the local market and consider how the property fits with your long‑term goals. If you’re unsure where to start, we’re here to help.

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