Whether you’re early in your financial journey or already well established, this could be a good time to consider how property investment fits into your long-term plans.
According to recent Cotality Buyer Classification data, mortgage investors made up 24% of all residential purchases in early 2025 — the highest share since late 2021. This signals growing confidence from investors and suggests the property market may be entering a more active phase.
With more listings available, a gradual easing of prices in many regions, and lenders becoming more flexible, the market is offering a window of opportunity — particularly for those who already own a home or are holding cash savings.
Making the most of your current position
If you already own a home, you may be in a position to leverage the equity you’ve built to fund your next purchase. Depending on how much equity is available and your broader financial goals, this could open the door to investing in a second property or rebalancing your financial strategy.
Alternatively, if you’re building up cash or savings, this might be the time to start thinking about how those funds could be working harder for you — either through a property investment, or through other vehicles aligned with your goals and risk profile.
Even if you’re not quite ready to invest, starting the conversation now means you’ll be better prepared to act when the right opportunity arises.
What to consider before you invest
Property investment can offer long-term benefits, from rental income and capital growth to portfolio diversification and retirement planning. But like any financial decision, it’s important to take a strategic, informed approach. This includes reviewing:
- Your borrowing capacity and lending options.
- Potential returns and risks.
- The current and future value of the property market.
- Your broader investment strategy and timeline.
- How a property fits with other goals like business growth or retirement.
How expert guidance can help
Working with advisers who understand both property and investment can help ensure your decisions align with your goals. Whether you’re looking for end-to-end property support or broader investment planning, getting the right advice can help you:
- Identify suitable investment properties, including new developments and off-the-plan options.
- Structure your lending in a way that supports your long-term strategy.
- Gain access to trusted lenders, developers, and investment providers.
- Balance your property portfolio with other investment options that suit your lifestyle and risk appetite.
A property investment isn’t just about real estate, it’s about strengthening your overall financial picture. With the right planning and support, you can build a strategy that works for today, and sets you up for the future.
Book a free chat with our home loan advisers to have a tailored financial plan that suits your financial situation and goals.
