Top 3 Tips for Young Property Investors
Thinking about diving into property investment in FY26? This guide breaks down essential tips and market insights to help you start smart and build long-term wealth with confidence.
As of 2024, approximately 67.8% of Australians own at least one property, including both owner-occupied and investment properties, according to CoreLogic. Among millennials, ownership is on the rise, reflecting growing interest in real estate as a wealth-building tool—even in a challenging affordability landscape.
If you’re considering starting your investment journey in FY26, here are three essential tips to guide you:
1. Seek Out Expert Advice
Getting qualified advice is crucial at every stage of property investing. Work with trusted professionals like:
- Property managers
- Mortgage brokers
- Accountants
- Experienced investors
They can help you build a clear investment strategy, understand your borrowing power (especially with interest rates still in flux), and identify opportunities aligned with your financial goals.
2. You Don’t Need to Know Everything
You don’t have to be a real estate expert to get started. Focus on learning about:
- The specific properties you’re considering
- The area’s rental trends and growth potential
- Financing options available in 2025
Take it step-by-step. Asking questions and doing your research is far more valuable than trying to master everything upfront.
3. Budget for Contingencies
Even in relatively stable markets like Canberra where prices are expected to rise 3–5% in FY26, risks still exist. It’s important to budget for:
- Unexpected repairs
- Rental arrears
- Vacancies
Start with a conservative borrowing strategy and set aside an emergency buffer to protect your investment from short-term shocks.
Bonus Tip: New Support in 2025
With the First Home Buyer Guarantee Scheme set to expand in 2026, some early buyers are getting ahead of the curve now. This government initiative allows eligible buyers to purchase with a 5% deposit, which could influence demand and price trends in the year ahead.
Property investment may feel daunting at first, but with the right knowledge, support, and financial planning, it’s an achievable and rewarding path. In today’s evolving market, starting early and staying informed can make all the difference. Whether you’re eyeing your first investment or looking to expand, now is a smart time to take that next step toward your financial future.
Thinking of investing? With the right advice and preparation, FY26 could be the perfect year to begin or expand your property portfolio.
Cassandra Murphy
Residential & Projects Sales Executive
