Is property guaranteed to increase in value?
No. Property values can fall and different locations/property types can perform very differently. Historical growth is not a guarantee of future performance.
What happens if interest rates rise?
Your loan cost may increase if the rate is variable or when a fixed period ends. Stress-test the cash flow at higher rates and keep a buffer.
What if I cannot get a tenant?
Allow for vacancy in your budget, research local rental demand, price the property realistically and use appropriate property-management support.
Should I buy in my own suburb?
Familiarity is useful, but it should not replace research. Compare your local area against other markets using the same demand, supply, price and rental criteria.
Is new property better than established?
Not automatically. New and established property have different price, tax, maintenance, defect and supply risks. Compare the specific properties and markets.
Should I buy for tax benefits?
Tax treatment can affect cash flow but should not be the sole reason to buy. Rules can change and tax outcomes depend on individual circumstances.
How does NPIS get paid?
Where NPIS is involved in a sale, remuneration may be paid by the seller, developer or another selling party. Ask us for the transaction-specific details before proceeding.
Does NPIS provide financial advice?
The website provides general property education and real estate sales support. Personal financial, credit, tax and legal advice should come from appropriately licensed professionals.
What research does NPIS look at?
Population and household demand, employment, dwelling supply, approvals, rents, vacancy, affordability, infrastructure, comparable sales and property-level factors.
How much cash buffer should I keep?
There is no universal amount. Consider vacancy, repairs, insurance, rate changes, personal income risk and your broader expenses with your advisers.