Is Now the Right Time to Buy an Investment Property?
Why current market conditions might favour savvy investors
You’ve bought your own home—congrats! And now you’re thinking of expanding your portfolio. With interest rates on the rise, it’s normal to second-guess your next move. But here’s the twist: for well-positioned buyers, this could actually be a smart time to invest.
Let’s unpack why the current climate could work in your favour if you’re ready to take the next step in property investment.
Property market softening = more buying opportunities
While headlines may focus on rising rates and falling prices, that doesn’t tell the full story. Data from CoreLogic reveals a shift: fewer active buyers and properties staying longer on the market.
In fact, in the three months to September, the median time on market increased to 35 days, up from 20 days in late 2021.
What does that mean for you?
- Less buyer competition
- More choice
- Greater ability to negotiate favourable terms
This is your chance to take advantage of motivated sellers and enter the market without the frenzy we saw during the boom.
Rental demand at record highs
It’s not just about buying—it’s also about securing strong returns. According to SQM Research, the national rental vacancy rate is sitting at just 0.9%—the lowest since 2006.
With fewer rentals available, tenants are actively seeking good-quality properties. If you’ve got something clean, safe, and low maintenance, you’re likely to attract multiple applicants.
Looking to boost rental yield? Check out our post on how to stop renting here
Location flexibility gives you a national edge
The beauty of investing? You’re not tied to buying in your own suburb—or even your own state.
Consider expanding your search to suburbs:
- Where property values have dipped
- That show steady rental demand
- That offer long-term capital growth potential
This strategic approach can help you enter the market at a lower price point and find tenants faster.
Need help identifying growth suburbs? Talk to our team for tailored insights.
Less emotion = more value in your investment
Unlike your family home, an investment property doesn’t need a butler’s pantry or a coastal breeze to stack up.
What really matters?
- Proximity to schools and transport
- A practical layout
- Easy-to-maintain fittings
- Safe neighbourhoods
By keeping tenant needs front of mind, you’ll avoid overcapitalising—and likely snag a better price in a buyer-friendly market.
Need help getting your finance in shape?
At CBM Mortgages, we help clients every day explore:
- Borrowing power for property investments
- Unlocking equity from existing homes
- Tailored loan products and rate comparisons
- Navigating pre-approvals and market timing
Start with our investment property calculator or skip straight to a one-on-one session—reach out here.
The bottom line: it’s about strategy, not timing
While the media debates what’s next for interest rates, smart investors focus on opportunity, rental yield, and long-term growth.
If you’re financially ready and have a clear plan, now could be a great time to buy. Let’s talk about your goals and whether this market can work for you.
Disclaimer: This article is for general informational purposes only. It does not constitute legal, financial, or tax advice. Please consult with a licensed adviser before making property investment decisions.
Written by Craig McDonald 16/06/2025
