Where to now for property investors in Australia? The market has changed, but opportunity hasn’t disappeared

For many investors, the last few years (especially this year) might have felt like the worst time to make a move - what with rate rises, reduced borrowing capacity, concerns about property prices...not to mention government policy changes creating a perfect storm of confusion.

Of course, they waited. Waiting can also come with a cost. The question isn't “Is now the perfect time to buy?” ...is there ever? A more valid question is: “In my position, what opportunities are available to me now?”

The biggest change I see with investors

The biggest shift isn’t actually property itself - it’s lending and how it's structured.

My job: to help you know what's possible.

Today, lenders assess:

• how your income is structured

• how existing debts are treated

• how rental income is calculated

• your personal commitments

• your overall financial position

This is especially important for business owners and professionals whose income extends beyond 2 payslips.

Two people earning the same amount can have completely different borrowing outcomes, depending on how their finances are presented.

Many investors are still moving

The investors I’m speaking with aren’t necessarily trying to beat the market, for want of a better word. They're looking at:

Long-term wealth creation Property has historically rewarded those who could hold quality assets through different cycles.

Changing circumstances Some investors are refinancing, restructuring, accessing equity or reassessing their portfolio rather than simply buying another property.

Opportunities created by uncertainty When some buyers step back, others take the opportunity to negotiate, research and plan.

Offers from banks: between one large lender introducing a 40-year investment loan term (interest only for 10 years) and lenders going hard on rates, now could in fact be a very good time after all...and certainly to review your current investment loan rates.

The first step mightn't be buying

One of the biggest misconceptions is that speaking to a broker means you’re committing to purchase. However, a potential initial discussion could be around:

• what you can realistically borrow

• whether your current lending structure still suits you

• whether there are opportunities you haven’t considered

• what needs to happen before your next move

A clear picture is way better than making decisions based on headlines, assumptions, or what your uncle thinks (with all respect to uncles).

The investors who do well are the ones who are prepared

Markets, rules and rates change, however making sound decisions will always be the most important factor. Know your numbers and your options and formulate a strategy that suits your circumstances.

If you’re an investor wondering what the next move looks like, the first step is knowing what's possible.

If you’d like to review your current position or understand what options may be available, get in touch.

Not financial advice. Seek accountant advice prior to making investment lending decisions.