All investing carries risk, but property risk is often misunderstood. The biggest risks usually come from buying the wrong asset, overpaying, or investing without a plan. We reduce risk through strategy-led purchasing, conservative assumptions, and long-term modelling — not speculation or short-term trends.

An off-market property is a home that has yet to be advertised to the public and is not yet ‘on the market’. The sellers may have already engaged a selling agent and have a price point in mind, but they might be sitting back or taking their time to prepare before taking the property public. They use this time to see if their agent can attract any interested buyers before they must advertise the property publicly.

When purchasing your first investment property, prioritize location (proximity to amenities like schools, transport, and shops), strong rental demand to ensure positive cash flow, and low vacancy rates. Focus on growth suburbs with infrastructure plans, choose low-maintenance properties (like 2-3 bedroom houses or established units), and calculate potential rental yield against ongoing holding costs.

From 1 July 2027, negative gearing for established residential properties will be restricted, with losses from properties purchased after 7:30 pm AEST on 12 May 2026 limited to offsetting future residential rental income or capital gains rather than personal income. New builds are exempt, continuing to allow negative gearing against other income to encourage supply.

Key Changes Explained

Effective Date: Applies to properties purchased after 7:30 pm AEST, 12 May 2026.

Grandfathering: Investors owning property before this time can continue using current rules until they sell.

Quarantining Losses: For affected properties, if rental costs (interest, maintenance) exceed income, the loss cannot reduce tax on wages. Instead, losses are "quarantined" and carried forward to offset future rental profits or future capital gains on property.

New Builds Exempt: Investors buying new, never-occupied homes can still deduct losses against any income.

Types of Property: Changes focus on established residential. Commercial property is exempt.

SOURCES: BUDGET.GOV.AU

Not necessarily. Risk depends on the specific location, local economy, supply dynamics, and long-term demand drivers. Many regional markets offer strong fundamentals when selected carefully. Local insight and on-the-ground knowledge are critical — which is why we specialize in Central Queensland and select regional markets.

Neither works in isolation. Rental yield helps with holding costs and cash flow, while capital growth drives long-term wealth. The right balance depends on your income, borrowing capacity, time horizon, and risk tolerance. Through our GAMEPLANS 30-year projections, we model both so you can see how different scenarios play out over time.

Interest rate movements are a normal part of the property cycle. The key is ensuring your investment can withstand change. Our strategy includes cash-flow tolerance assessment, buffer planning, and sensitivity modelling to understand how rate changes may impact your position over time.

There is no universal number. Some investors achieve their goals with one high-quality asset, while others build diversified portfolios over time. The focus should be on alignment with your goals, not property count. GAMEPLANS allows us to model different pathways so you can make informed decisions.

Yes — when they are independent, strategy-driven, and locally experienced. A buyer’s agent helps avoid emotional decisions, overpaying, and poor asset selection. When combined with professional strategy and long-term modelling, buyer advocacy becomes a powerful risk-management tool.

Property has historically performed well over long timeframes, particularly when approached with discipline and planning. The key is not timing the market, but choosing the right asset and holding it through cycles. Our approach focuses on sustainability, not hype.

We don’t sell properties — we build strategies. Our investor service combines in-house professional strategy, buyer advocacy, and lifetime access to GAMEPLANS projections, ensuring each purchase fits into a long-term plan rather than standing alone.

Buyer’s agent fees in Australia typically range from 1.5% to 3% of the purchase price (+ GST) for full-service representation, or a fixed fee usually between $10,000 and $15,000+. For a $1 million property, a 2% fee equals $20,000 + GST. Fees are generally structured as a combination of a small, up-front retainer and a larger success fee upon settlement.

A buyers advocate or buyers agent offers various types of services such as: Searching and gathering properties that meet your criteria and then negotiating the purchase of that chosen property (whether by auction or private sale.) Depending on your needs, a buyer’s agent may search for one particular property or an entire portfolio, or they can negotiate a better price for you by compiling insights via due diligence and conducting building and pest reports on your chosen property and then developing a negotiation strategy, or they can bid for you at the auction of a property you may have found..

Buyers agents and Buyers advocates are licensed and regulated real estate professionals who act on behalf of the property buyer. Their purpose is to research, find and negotiate a perfect property for their client.This is as opposed to a real estate agent who has a contract with the seller and therefore has their best interests at heart. A buyer’s agent will always negotiate in favour of you, their client.

A buyer’s agent acts as a dedicated representative for overseas buyers, acting as their "eyes and ears" on the ground to navigate local property markets, handle logistics, and mitigate risks, often without the buyer needing to visit in person. They offer end-to-end services, including searching, due diligence, negotiating, and settlement, ensuring compliance with local regulations.