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In the world of property, timing isn’t everything… but it’s close.

Over the past few years, buyers have hit pause — spooked by rising interest rates, shifting sentiment, and endless doomsday headlines. But something’s changed.

Right now, a rare mix of economic forces is creating what we believe is the safest environment in over a decade to buy a quality investment property.

We’re calling it kindergarten investing — because you don’t need to know every rule, master every strategy, or have every tool in the box. When rates are falling, rents are rising, and prices are trending up, the heavy lifting is done for you.

It’s investing at its simplest — no complex forecasts, no guesswork, just three green lights all pointing in the same direction.

So if you’ve been waiting for a sign to stop watching from the sidelines and start building wealth, this is it.

The holy trinity of smart property investing

There are three things every investor wants when buying property:

• Lower holding costs (thanks to falling interest rates)
• Rising rental income (due to supply/demand pressure)
• Capital growth potential (from increasing buyer activity and limited stock)

In most markets, most of the time, you’re lucky to get one or two of these.

But right now — and likely for the next 6–12 months — all three are on the table.

Let’s take a look at why.

1. Interest rates are easing — which means cheaper debt is already here

After a brutal run of rate hikes through 2022 and 2023, we’ve finally turned a corner.

The RBA has already delivered two rate cuts in 2025, and while the pace may be gradual, the direction is now clear: we’re in a downward rate cycle.

And it’s not just markets that are pricing this in — Australia’s Big Four banks are all forecasting more cuts over the next 6–12 months.

Here’s what they’re expecting:

(Source: AFR, July 2025)

Lower rates mean lower repayments, which improves cash flow, boosts borrowing capacity, and puts downward pressure on yields (i.e. your return improves relative to your cost).

This is one of those rare moments when borrowing costs are still high, but you can see the light at the end of the tunnel — and get in before the competition does.

2. Rents are surging and they don’t look like they’re slowing down

Thanks to record-low vacancy rates, limited investor activity during the rate rise period, and sharp population growth, rents are continuing to climb across the country.

Let’s look at the current state of play:

(Source: SQM Research, Domain Rent Report, CoreLogic)

Even in traditionally flatter markets like Canberra, we’re still seeing solid rent increases. But in high-pressure markets like Perth and Brisbane, rents are growing at double-digit rates — and with no large-scale new housing in the pipeline, that pressure isn’t going away.

This is great news for investors. Rental income helps cover your mortgage now, and improves your yield as rents rise.

3. Property values are already rebounding — but it’s not too late

Despite rising rates, Aussie home values have shown surprising resilience. And now that confidence is returning and borrowing power is expected to increase, prices are moving again.

Here’s how values have tracked over the past 12 months:

(Source: CoreLogic, June 2025)

What’s important to note is that these gains are happening while rates are still high.

Once rate cuts begin, buyer activity is expected to spike — meaning more competition, fewer bargains, and upward pressure on prices.

Getting in now means buying before the crowd — and holding as the market lifts.

Why this moment is so rare (and what to do with it)

Let’s recap. If you’re looking for:

• Lower-cost debt
• Increasing rental returns
• Growing property values
• A clear runway over the next five years

Then we’re in a window that ticks every single box.

We believe this moment — the next 6–12 months — represents one of the clearest opportunities we’ve seen in a long time for strategic property investment.

Why? Because you’re buying into a rising rental market, ahead of falling rates, before prices take off again.

That’s rare.

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So… What now?

If you’re considering investing, here’s what we recommend:

1. Run your numbers now.
   Understand your borrowing capacity before the rest of the market comes rushing back.
2. Choose the right property.
   It’s not just “buy anything” — you need to target locations with strong yields, low vacancy, and proven growth potential.
3. Structure for flexibility.
   Whether it’s offset accounts, interest-only terms, or cross-securitisation strategies, the way you finance your purchase can dramatically affect your long-term gains.
4. Think five years, not five minutes.
   The market may not deliver instant fireworks. But with the fundamentals in your favour, the next five years could be some of the smoothest sailing we’ve seen in a decade.

Final Thoughts: Not a Boom. Not a Bust. A Smart Entry Point.

You don’t have to buy at the bottom. You just need to buy before the crowd.

And for those with a medium-term investment mindset, this current window is as clear an entry point as we’ve seen since the pre-COVID years.

• Rents high
• Rates easing
• Prices rising
• Low supply
• First home buyer activity heating up

Add it all together, and you’ve got a property market that’s primed for investors, but only for a limited time.

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Want to Know What This Looks Like for You?

Let’s take 30 minutes to map it out together.

We’ll figure out:

• How much equity or borrowing power you actually have
• Where the best opportunities lie
• And how to structure the deal to set you up for long-term success

Book a Free 30-Minute Finance Strategy Session now— and make this window count

This no-obligation free session is held with one of our experienced mortgage brokers. It’s not a sales pitch—just real, strategic advice tailored to your situation, so you can make smarter financial decisions.

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Trilogy Funding Two is a corporate credit representative (Representative Number 506131) of BLSSA Pty Ltd, ACN 117 651 760 (Australian Credit Licence 391237)

About the Author

Since 2008, David Thomas has built a business aimed at servicing the needs of property investors, owner occupiers and small business owners. David is recognised as one of the top 10 independent mortgage brokerages in the country, David and his team have settled almost billions of dollars worth of residential and investment loans over the last decade.

Known for his straightforward, relatable style, David believes by educating people about property funding; they fare better in the market. By sharing his expertise openly, some of the people he educates will likely become his clients. It's a win-win approach.

David Thomas is a credit representative (Representative Number 506153) of BLSSA Pty Ltd, ACN 117 651 760 (Australian Credit Licence 391237).