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Understand different ways to invest in property and the risks, costs and returns to consider. Property can be a familiar way to invest, but not all property investments work in the same way.
The pages below explain the different options and the costs, risks and considerations involved.
Buying an investment property. When you buy an investment property directly, you may make money through rent, increases in the property's value, or both. However, you'll also need to manage ongoing costs, vacancies and loan repayments.
Property funds. Property funds let you invest in property without buying or managing a property yourself. Your money is pooled with other investors and managed by a professional investment manager. You may earn income and benefit if the value of the fund's property assets increases, but it's important to understand the fees, risks and withdrawal rules before you invest.
SMSFs and property. A self-managed super fund (SMSF) can invest in property, subject to strict legal and tax rules. Buying property through an SMSF can be complex and may involve additional costs, risks and responsibilities, so it's important to understand how it works before you invest.
Timeshares: A timeshare gives you the right to use holiday accommodation for a set period each year. Before you sign up, make sure you understand the costs, restrictions and risks, including how difficult it may be to sell your timeshare or get your money back.
Land banking: This involves investing in undeveloped land in the hope that it will increase in value or be approved for development in the future. Land banking can be high risk and may offer fewer protections than other investments, so make sure you understand the risks before investing.
In the 2026 Federal Budget, delivered Tuesday 12th May, the government announced changes to the application of both negative gearing and capital gains tax. Both changes are relevant when considering property investment. Please make sure you take these changes into account when considering future investments. Visit the Australian Taxation Office (ATO) for more information.