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Buying an investment property

Property is one of the most popular investment options in Australia and a great way to build your wealth. However, it’s a long-term commitment that isn’t for everyone. Consider the following benefits and risks to help decide if it’s the right option for you.

Have you considered renovating your current home, or looked into applying for a top up home loan, and turning it into an investment property?

  • Property is a reasonably secure, long-term investment
  • It’s a solid, visible asset
  • An investment property can earn rental income that potentially covers loan payments and other expenses
  • You can sell it in the future and benefit from capital gains
  • Building equity in your investment home loan gives you the opportunity to expand your portfolio with additional investments
  • It can provide additional financial benefits through taxation and gearing
  • Expenses associated with the investment property can be offset against income from rent and you may be able to claim depreciation on assets like furniture, carpeting and whitegoods
  • Investing in property may be a good way to diversify your portfolio and reduce risk if you have other investments like cash, shares or managed funds.

Like any investment, there can be risks involved. The income from rent may not meet your expectations, or the value of the property may decline. You may not be able to access to your money quickly and may earn higher returns on a different type of investment. Talk to a lending specialist to see if buying an investment property is right for you.

Talk to a Home Lending Specialist

We can tailor a home loan that's right for you, and provide the tools and insights to meet your needs.