Realistically you cannot buy any worthwhile investment property in Australia for under $400,000.

That being the case you will need 10% cash deposit of at least $40,000 and another $30,000 for costs and purchasing flexibility. 

So $70,000 cash savings, equity or parental guarantee if the minimum you will need to get started. 

Ah the age old question!

Honestly it will depend on your circumstances and where you are at on your property journey.

Mostly we prefer capital growth but realistically the property must generate sufficient cashflow to defray your holding costs and maintain your borrowing power.

Firstly come with an open mind. The first 1hr meeting comes at a cost of $360 (plus GST).

Your first meeting will set the stage for the journey using our tree metaphor. We will assess your current circumstances and understand your requirements and objectives.

You will give you some options to consider and there is not obligation at this time for you to progress further on your journey with TENfold.

Investing in Australian property is the key to financial freedom.  No other asset class provide the growth, security, leverage,  and downright utility of property.

Banks bend over backwards to lend against property and it has significant tax advantages that most other assets simply don’t have. 

• Rental income is taxed at your marginal tax rate; you must include it in your ATO return each financial year.

• Claimable deductions include:

  • Mortgage interest, property management fees, council rates, repairs and deterioration of assets (subject to ATO rules) 

  • Capital works and depreciation on fixtures and building components (e.g., the 2.5% per annum on construction cost or Bushfire hose reels) 

  • Negative gearing is allowed: losses may offset other income and may be carried forward if unused  Taxation Office.

Our in-house mortgage broking team will take up where the planning and advisory team leaves off and ensure you obtain the very best investment property mortgage solutions in the marketplace at very competitive interest rates.

Recent average gross rental yields in major cities (2025 data):

• Darwin: ~6.6%, Perth: ~4.3%, Melbourne: ~3.7%, Sydney: 3.0%, Brisbane/Adelaide: 3.6–3.7%

• Monitor CGT exposure: your tax liability crystallises at contract signing, not settlement 

• If you’re refinancing:

  • Be mindful that refinancing resets the loan and may allow you to draw on equity—just ensure all outstanding FIRB and ATO obligations are met.

• To minimise tax exposure:

  • Keep accurate records of improvements, agency/legal fees, depreciation, and clearance or variation certificates.

  • Consult a qualified accountant regarding use of trusts, rollover relief, or other CGT strategies.

• Professional advisors include:

  • Australian registered tax agents or property accountants (ATO‑registered),

  • Conveyancers/solicitors with property law expertise,

  • Accredited mortgage brokers with experience handling foreign/international investor finance.