FAQ

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

This can come from savings, usable equity in your existing home, or in some cases a parental guarantee. Your advisor will assess your exact position in your first session.

The age-old question — and the honest answer is that it depends on your circumstances and where you are on your property journey.

At TENfold, we generally prefer capital growth as the primary objective. However, the property must generate sufficient cashflow to cover your holding costs and maintain your borrowing power over time.

Your advisor will help you strike the right balance based on your personal financial position, income, and long-term goals.

Come with an open mind. The first 1-hour meeting is held via Google Meet and is available at a cost of $360 + GST.

In this session we will:

• Set the stage for your journey using the TENfold tree metaphor
• Assess your current financial circumstances
• Understand your requirements and investment objectives
• Present some options and pathways for you to consider

There is no obligation at this point to progress further. The session is designed to give you clarity, not pressure.

Investing in Australian property is one of the most reliable paths to financial freedom available to everyday Australians.

No other asset class offers the same combination of:

• Capital growth — long-term appreciation driven by population and land scarcity
• Security — a tangible, insurable asset you can see and control
• Leverage — banks actively lend against property at favourable rates
• Tax advantages — negative gearing, depreciation, and capital gains concessions that most other asset classes simply don't offer

Rental income is taxed at your marginal tax rate and must be included in your ATO return each financial year.

Claimable deductions include:

• Mortgage interest, property management fees, council rates, and repairs
• Capital works and depreciation on fixtures and building components (e.g. 2.5% per annum on construction cost)
• Negative gearing losses, which may offset other income and can be carried forward if unused

Our in-house mortgage broking team picks up where the planning and advisory team leaves off. They will review your Property Investment Blueprint (PIB) and source the very best investment property mortgage solutions in the marketplace at highly competitive interest rates.

Because our brokers work exclusively with property investors, they understand how to structure loans that protect your borrowing capacity for future purchases — not just your first one.

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

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

Remember that gross yield is only one part of the picture. Your advisor will model net yield, tax outcomes, and long-term growth projections based on your specific property and structure.

Key considerations when planning your exit or refinance:

• Monitor CGT exposure: your tax liability crystallises at contract signing, not settlement
• If refinancing, be mindful that it resets the loan and may allow you to draw on equity — ensure all ATO obligations are met first
• Keep accurate records of improvements, agency and legal fees, depreciation schedules, and clearance certificates
• Consult our accounting team regarding the use of trusts, rollover relief, or other CGT minimisation strategies

TENfold brings all the professionals you need under one roof, so you don't have to source them separately:

• Property Advisors — strategic guidance and your personalised investment blueprint
• Mortgage Brokers — investment-specific finance, structured to protect your borrowing power
• Tax Planners & Accountants — ATO-registered specialists in property investment structures
• Buyer's Agents — sourcing investment-grade property on your behalf

All services are coordinated through a single advisory relationship — no gaps, no conflicting advice.