Is it worth buying an investment property?

Short answer: Often, yes - if the numbers stack up for you. Property is typically less volatile than shares and can deliver steady rental income. Start with one asset, manage it well, and - with the right strategy - you can grow it into a profitable portfolio.

Think tactically

Choose where you buy and who will rent there. Research local demand, vacancy rates, transport, schools, and the area’s growth drivers. When you set a budget, look beyond the headline rent to the real, all-in cash flow.

Tax basics (Australia)

Most investment loan costs are generally tax-deductible—interest, repairs, rates, insurance, property management, and depreciation. Rental income will usually increase your taxable income, and any value uplift is subject to capital gains tax (CGT) when you sell. (Get personalised advice from your tax adviser.)

Cost checklist

Upfront: deposit, building/pest inspections, stamp duty (NSW), conveyancing and legal fees.
Ongoing: council & water rates, insurance, strata/body corporate, land tax (if applicable), property management, repairs & maintenance.

Negative gearing (in plain English)

If your property costs more to hold than it earns in rent, it’s negatively geared. The loss can reduce your taxable income now - on the expectation of capital growth later. That can be sensible for some investors, but you must be comfortable funding the shortfall and stress-test for rate rises and vacancies.

How SkyBridge Capital can help

We are a team of MFAA-approved finance brokers with the knowledge and experience to help you iron out the details. We’ll model your borrowing power and cash flow, compare loan structures (interest-only vs P&I, offsets, fixed/variable), and work alongside your accountant to optimise ownership and tax outcomes.

Want to see if an investment stacks up for you? Contact us and we’ll run the numbers - clearly and tailored to your unique circumstances.

An MFAA-approved finance broker is much more than your average finance broker.

General information only - this is not financial or tax advice.