Answers before you get started

Around 10% to 20% of the purchase price, plus additional costs such as stamp duty, legal fees, loan fees, and a cash buffer. The exact amount depends on your borrowing capacity, lender requirements, and overall investment strategy. Some investors also use equity from an existing property instead of saving the full deposit in cash.

Yes, it is possible to invest in property without a large income, provided your borrowing capacity, savings, and overall financial position support the purchase. 

Not to start. Once you have a clear idea of your borrowing capacity, we can begin, and formal pre-approval is arranged with your broker as part of the process, before we make any offers.

Negative gearing is when the income from an investment property is less than the costs of owning it, such as loan repayments, interest, and other expenses. In Australia, this can reduce your taxable income. Negative gearing can be worth it if the property has strong long-term growth potential and the shortfall is manageable within your budget. The tax benefit may support a good property decision.

Yes, it is possible to buy multiple investment properties at once, but it depends on your borrowing capacity, deposit, cash flow, and overall strategy. Some investors do this to grow their portfolio faster, while others are better suited to buying one property at a time. The right approach depends on whether the purchases are financially sustainable and fit your long-term goals. In most cases, buying multiple properties only makes sense when the numbers are strong and the risk is well managed.

Banks assess borrowing capacity by looking at your income, existing debts, living expenses, credit history, and how much deposit or equity you have available. They also test whether you could still afford the loan if interest rates rise. This helps them decide how much they are willing to lend and whether the loan is manageable for you. For property investors, borrowing capacity is one of the main factors that shapes what you can buy and how quickly you can grow a portfolio.

The process begins with a discovery call to understand your financial position, borrowing capacity, and investment goals. From there, we develop a tailored property investment strategy, identify high-growth locations, and begin sourcing suitable properties. Once a property is selected, we handle negotiation, due diligence, and guide you through to settlement, ensuring the process is structured and low stress.

On top of on-the-ground acquisition with a proprietary AI engine to help clients identify top-tier investment-grade property opportunities.

We are Property Portfolio Partners. The difference is, that a buyer’s agent is typically like a shopping service. We are here to build you a profitable, prolific portfolio, that requires extraordinary levels of research, data science, and analysis to understand every suburb in Australia.

We provide an end-to-end solution, aggregating 40+ steps of the process when you buy an investment property into just 1 contact point. You have a whole team behind you, including a dedicated Success Manager. From signing-on to sourcing the property, settlement, and beyond.

It takes 4 to 12 weeks after we begin working together to source you the right property that meets your strategic brief.

This is a rare case, due to the property acquisition being so tailored to the strategy built. If a property does not meet your expectations, we continue sourcing and refining the search until the right opportunity is found. 

We have agents on the ground who evaluate the property for you and prepare thorough reports on the property before you purchase it, so you don’t need to inspect it yourself, including building and pest inspections.

Yes, we have recommendations for all of those partners. As part of our service, we find the right team for you, and your property depending on the location of the investment. We coordinate the admin so that this is seamless for you.

To avoid insurance issues, we review all flood zones and fire zones and do not present houses in those locations. Obtaining insurance estimates for our clients is also part of our due diligence.

We consider any minor renovations that may be required for the properties we select.

Properties are selected using a combination of market data, suburb-level analysis, and strict investment criteria. This includes assessing supply and demand, growth drivers, location fundamentals, and the individual property’s quality and appeal. The focus is on identifying investment-grade opportunities that offer strong long-term potential rather than short-term speculation.

That is a misperception. Not everywhere has done well; it is more a media story than reality. Our approach does not rely on the whole market rising: in any market, we look for the suburbs and properties that meet our criteria.

Yes, you may work with others and purchase additional properties. We only ask for exclusivity if you have enough to buy only one property so that we are all being effective with our time and efforts.

Yes. We source off-market opportunities through our relationships with selling agents across Australia. Around 60% of the properties we secure come from off market.

Yes, we have an expert team of negotiators that secure the property at the best possible terms. This includes price negotiation, contract conditions, and positioning the offer effectively.

We love to establish long term relationships with our clients. Which is why after settlement, we find the best possible property manager with competetive rates. 

Included within our post settlement service would be a 6-monthly portfolio review, in which we will give you updates on valuations, guardrails and timing to compound into another property.

Yes, our primary focus is on acquiring investment properties rather than selling them.

However, we can guide you on the best approach when it comes time to sell and connect you with trusted professionals to ensure the process is handled effectively.

We make money by charging you a fee. There are no hidden costs or fees. We are completely transparent about our fees and do not operate with partner kickbacks or affiliate bonuses. No kickbacks and no referral fees, ever.

Every client, property and market is different, so we do not quote typical returns. Our success stories show individual results since settlement. Past performance is not a reliable indicator of future performance.

Interest rates affect your borrowing capacity and cash flow, so we test every purchase against higher rates before you commit. There are opportunities in most markets, and rate rises can shift buyer demand towards more affordable areas.

We target properties that are neutral to positively cash flowed, and the strategy we devise will be guided by the goals you seek to achieve over time. When building a portfolio, the more properties that provide positive cash flow, the more passive income that may be generated.

Property values and rents move with the market, and any property can fall in value. We set expectations clearly in your strategic brief and review each property against them after settlement, in your regular portfolio reviews.

Property values and rents move with the market, and any property can fall in value. We set expectations clearly in your strategic brief and review each property against them after settlement, in your regular portfolio reviews.

Our approach is to manage expectations clearly and transparently from the get-go. If a property is tracking behind its targets, we review why in your portfolio review and adjust the plan for your next purchase.

We look for properties with sound rental yield, which supports serviceability. In addition, we partner with investment-minded brokers who structure lending with the whole portfolio in mind.

It means that the rental income covers all the property expenses.

Yes, property investment can replace your income over time, but it usually requires building a portfolio rather than relying on a single property. 

Property investment is generally a long-term strategy, with meaningful results typically seen over several years rather than months. While some growth can occur earlier, the strongest outcomes usually come from holding high-quality assets through market cycles.

In short, we follow the data. We analyse over 4 million data points to shortlist the suburbs that meet our criteria at the time, and our proprietary tech helps us find the opportunities that match your brief.

We buy where our data & research informs us.

We search Australia-wide, however, there are only ever a select number of suburbs that meet our Rising Returns' criteria at any one time, and that is where we will buy. Many of the suburbs with the best results typically are in major regional areas Australia-wide.

We can source subdividable properties, however, that is not part of our primary strategy. Instead, we focus on growth opportunities and producing the results and yields you are looking for over time, so we center our attention on properties that will allow you to achieve your goals.

Because of the relationships we build on the ground in the areas we research, we are often able to buy off-market and under-market properties.

There is too much unpredictability in new builds and not enough growth opportunities. That is why our preference is to work with established homes and established suburbs that have land.

Our long-term goal is to help you build a property portfolio, and for many investors that means more than one property over time. That said, it all depends on your unique situation and the goals you are looking to achieve.

It is doable, depending on your particular circumstance; we have had several clients who have done this or better, such as acquiring 3 houses in 12 months.

We do not typically purchase in rural areas; we mainly focus on cities. However, this all comes down to the right property for your specific goals. We look at time, place, and the type of property and every factor behind those pillars to make certain it’s the right investment.

While we have multiple strategies in play, our standard model is to look for properties with sound cash flow in areas with strong fundamentals. This aims to help clients hold their portfolio without dipping into savings. As a property grows in value, you may be able to use that equity towards the next purchase, subject to valuations and lending.

Our approach is strategic. We start by looking at your goals and what strategy will work best for you and your situation. For example, our standard process would be to buy one property and then quickly and swiftly buy the second to have each property work together to build a strong portfolio. That said, our strategy will largely depend on what we can do to help you get the best results.

When investing in property, there are various factors to consider, and we incorporate them all into our strategy. Our technology and data insights help you buy with confidence: the right property, in the right place, at the right time.

Socioeconomic aspects are essential, but they are only one focus point of the research we do. We analyse over 4 million data points to shortlist the suburbs that meet our criteria, and our proprietary tech helps us find the opportunities that match your brief.

Locating positively geared properties is a huge part of what we do in building a portfolio. One of the fundamental principles in our strategy is that every property you buy should generate enough income to cover all of its debt and expenses, plus spin-off some surplus cash flow.

While we place a strong emphasis on yield, securing a lower-yield property can make sense in some cases, but only if it offers additional benefits to your portfolio.

We do not sell properties, but we help with the strategic decision on when and why to exit. We keep monitoring the suburbs we buy in, so we can flag shifts as they happen and help you decide on your next move.

Investors close to retirement usually have a shorter time frame and less capacity to ride out a downturn, so the strategy weighs cash flow and risk more heavily. We work alongside your financial adviser and broker so the purchase fits your wider retirement plan.

There is no single best type. For long-term growth we generally prefer established houses on land in established suburbs, because land is what tends to appreciate. The right choice depends on your budget, borrowing capacity and whether you need growth, yield or a balance of both.

Houses on land have historically tended to grow faster in value, while units can offer a lower entry price and sometimes a higher yield. We mostly buy houses, but the right answer depends on your budget, goals and the specific market.

An investment-grade property is chosen for long-term growth potential, based on location, demand, scarcity and owner-occupier appeal. Typically it sits in a suburb with strong fundamentals and limited supply, and it passes strict criteria on the property itself, not speculation.

Both can work. We search Australia-wide and buy where the data supports it at the time. In recent years many of the suburbs meeting our criteria have been in major regional centres, but capital city suburbs can suit too, depending on your budget and goals.

Common mistakes include buying on emotion, overpaying, buying in areas with a lot of new supply, skipping proper due diligence, and stretching your finances without a cash buffer. A clear strategy and a checked brief help you avoid most of them.