As you know, cashflow-positive properties are an investor's dream.  With no ongoing costs, you effectively “set and forget” and build your wealth through strong, proven capital growth.

If you have a 20% deposit and a household income of over $140,000 (or $90,000 for a single income), you can own a cash-positive investment property right here on the Sunshine Coast.

What if I don't have a 20% deposit? Many of our clients do not have a 20% deposit to pay upfront but do, however, have substantial equity in their family home.

This equity can effectively be used as a deposit for your new investment property.

If you want to know how scroll down...

Above: With their high rental returns and excellent tax benefits, these brand-new terraces at Harmony Estate on the Sunshine Coast could be cashflow-positive investments in your portfolio.

What are Cash Flow Positive Properties?

1. Rental Income:
These new terraces generate a healthy rental income that is offset against the holding costs of the property (mortgage repayments, maintenance, insurance, etc.).

2. Tax Benefits:
Combine this rental income with the tax benefits that come with owning an investment property (such as depreciation on new buildings and expense deductions) and the property is essentially paying for itself.

While the cash flow is modest and not life-changing, it is positive which is what every savvy investor seeks.

3.Capital Growth:
The most important aspect of property investing is capital appreciation. These terrace properties on the Sunshine Coast are seeing capital growth of over $50,000 per year.

And when compounded, that’s nearly $1 million in capital growth over 10 years.

What if I don't have a 20% deposit?

Many of our clients do not have a 20% deposit to pay upfront but do, however, have substantial equity in their family home.

This equity can effectively be used as a deposit for your new investment property.

Once you have financial approval to use the equity in your home, a small deposit is made, and then once the property is built, it will only cost $150 per week for you to own your investment property.

These numbers sound too good to be true, but with the tax deductions, the depreciation benefits and the guaranteed rental income, it is very possible.

Only $150 per week for a property with capital growth of over $50,000 per year.

Let me show you how this will work for you.

Contact me today and we can discuss how these options could work for you.

Don't wait to invest. Invest, then wait.

Have you ever wondered why people choose house and land packages over buying a new build? The main reason is the savings - Over $100,000 for an average build in Southeast QLD.

Take a look at this comparison tree we have put together to see how it works.

Why House and Land Packages are Often the Smarter Choice

1. Over $100,000 in Cost Savings:
With a house and land package, you only pay stamp duty on the land, not the house. Plus, you don’t pay developer margins nor any sales commissions, which can easily add up.

2. Flexibility and Choice:
Along with saving money, you also have more choice over your investment.

3. Modern Designs with Lower Maintenance Costs:
New builds benefit from the latest in energy-efficient materials and modern layouts, reducing maintenance costs and enhancing appeal to future tenants or buyers.

4. Greater Investment Potential:
Entering the market at a lower cost allows for better returns as property values appreciate, maximizing your capital growth over time.

At Dwyer Property Investments, we have house and land packages across Southeast QLD to suit all budgets.

Click here to download our latest stock list.

Or call me anytime to discuss your many options.

If you’re considering property investment in Southeast QLD, house and land packages are a fantastic way to maximise your buying power.

I hope this helps explain the difference between the 2 new home options. Give me a call if you have any questions and I can explain further.

Don't wait to invest. Invest, then wait.

In a move that has caught the attention of the financial world, the Commonwealth Bank of Australia (CBA) recently lowered its mortgage rates, sparking what many analysts are calling the beginning of a mortgage war among Australia's leading banks. This development couldn't have come at a better time for investors, especially those eyeing the thriving property market in South East Queensland.

The Catalyst Behind the Mortgage Wars

The Australian banking sector has been under pressure due to a combination of low-interest rates set by the Reserve Bank of Australia (RBA) and increased competition from non-traditional lenders. To maintain their market share, major banks like CBA are engaging in aggressive rate cuts and offering attractive incentives to lure new customers and retain existing ones.

Implications for Borrowers

The mortgage wars, while initially sounding like a battle confined to the financial sector, have significant implications for borrowers. As competition intensifies among banks, we can expect to see more attractive loan offers, including lower interest rates, reduced fees, and potentially more flexible lending criteria. For owner-occupiers, this is great news, but for investors, it's an opportunity to supercharge their property portfolios.

Why Investors Should Pay Attention

Lower mortgage rates translate directly to lower monthly repayments, but more importantly, they increase borrowing capacity. For example, a reduction of just 0.25% in interest rates can save thousands of dollars over the life of a loan. Investors looking to capitalize on the excellent growth prospects in South East Queensland—where property values have been climbing steadily—will find themselves in a stronger position to secure finance for multiple properties or higher-value investments.

The Booming South East Queensland Property Market

South East Queensland is experiencing a property boom, driven by several key factors:

• Infrastructure Development: Significant projects like the Cross River Rail, Brisbane Metro, and preparations for the 2032 Olympic Games are boosting economic growth and employment opportunities.
• Population Growth: The region has seen a surge in interstate migration, particularly from New South Wales and Victoria, attracted by the more affordable housing and lifestyle factors.
• Economic Resilience: Queensland's economy has remained robust, with strong performances in sectors like mining, agriculture, and tourism.

What to Expect Moving Forward

As the mortgage wars unfold, it's likely that we will see further rate cuts and incentives from other banks, all eager to attract a larger share of the mortgage market. This competition will create a more favourable environment for borrowers, making it easier for investors to access the funds they need to expand their portfolios.

Investors should also watch for:

• Cashback Offers: Some banks may offer cashback deals as an incentive for new borrowers or those refinancing existing loans.
• Flexible Loan Features: Enhanced features like offset accounts, redraw facilities, and interest-only payment options can provide additional financial flexibility.
• Eased Lending Criteria: In a bid to attract more customers, banks might relax some of their lending requirements, making it easier for investors with diverse financial backgrounds to secure loans.

Strategies for Investors

To make the most of this favourable environment, investors should consider:

• Refinancing Existing Loans: Take advantage of lower rates to reduce repayments or free up equity for additional investments.
• Diversifying Portfolios: Explore different property types or locations within South East Queensland to spread risk.
• Long-Term Planning: Consider the potential for future rate increases and ensure that investments remain viable under different economic conditions.

The mortgage wars represent a golden opportunity for investors, particularly those focused on the booming South East Queensland property market. By taking advantage of lower rates and increased borrowing capacity, investors can position themselves to reap the benefits of the region's strong growth trajectory. However, due diligence is crucial. Investors should conduct thorough market research, consult financial advisors, and consider long-term strategies to navigate the dynamic property landscape effectively.

I believe the Sunshine Coast presents a rare and timely opportunity for investors that shouldn't be overlooked.

Sunshine Coast Population Boom: Why Investors Should Act Now

The Sunshine Coast is experiencing a population surge that's reshaping the region's property landscape. From 2018 to 2023, the area saw a significant growth of over 7%, bringing the population to an estimated 360,000 residents. Projections suggest this number will soar to 500,000 by 2041. This isn't just a statistic; it's a testament to the region's magnetic appeal and burgeoning potential.

Several factors are driving this influx. The allure of a desirable lifestyle, with stunning beaches and a laid-back atmosphere, is undeniable. The rise of remote work has enabled more people to choose quality of life over proximity to traditional urban centres. Additionally, ongoing infrastructure developments are not only boosting the economy but also enhancing the region's liveability.

But here's where it gets compelling for investors: to accommodate this growing population, over 100,000 new homes will need to be built by 2041. Demand is already driving up property prices, and this trend is set to continue. Investing now, particularly in high-growth areas like Palmview and Sippy Downs, means capitalising on rising property values and strong rental yields.

In my view, the time to act is now. Delaying could mean missing out on the substantial benefits of this sustained growth. The Sunshine Coast's population boom isn't just a fleeting moment—it's a clear signal that the region is poised for ongoing success.

South East Queensland: A Property Investment Hotspot

South East Queensland has emerged as a hotbed for property investment, with the Sunshine Coast standing out as a particularly attractive destination. The urban expansion here isn't haphazard; it's strategic, with certain suburbs experiencing significant growth that savvy investors should note.

Palmview: A Thriving Community

Take Palmview, for example. This suburb is rapidly transforming, thanks to substantial infrastructure developments and new residential projects. Its strategic location near major employment hubs and transportation routes enhances its appeal. The master-planned communities here offer modern amenities and family-friendly environments, making it a top choice for residents.

What's more, Palmview is witnessing strong rental demand due to its expanding population and proximity to educational institutions. This leads to attractive rental yields—a key factor for any property investor. Companies like Dwyer Property Investments, in partnership with Dwyer Quality Homes, have recognised Palmview's potential, having built over 45 terrace houses and numerous other investment properties. They've secured highly desirable land in this sought-after location, underscoring the suburb's high-growth trajectory.

Sippy Downs: The Education Hub

Then there's Sippy Downs, known as the education hub of the Sunshine Coast. Home to the University of the Sunshine Coast, this suburb has a vibrant, youthful energy. The presence of the university drives a steady demand for rental properties from students and faculty alike.

Significant investments in infrastructure are transforming Sippy Downs into a well-connected and desirable suburb. New roadways and commercial developments are enhancing accessibility and convenience. The area is also attracting young families with its range of new housing options and amenities, further boosting property values.

Why Invest in the Sunshine Coast?

So, why should investors focus on the Sunshine Coast? Simply put, the region offers a unique combination of natural beauty, robust infrastructure, and strategic urban planning. The consistent population growth ensures ongoing demand for housing, which supports both property values and rental markets.

The local economy is strong, buoyed by sectors like tourism, education, and healthcare. Ongoing development of residential and commercial projects continues to enhance the area's appeal. For investors, this means not only potential capital growth but also the prospect of strong rental returns.

Dwyer Property Investments has established a strong presence in this region, with a focus on building high-quality investment properties designed to meet the needs of modern residents. With extensive experience in the Sunshine Coast area, particularly in high-growth suburbs like Palmview and Sippy Downs, Dwyer Property Investments is well-positioned to help investors capitalize on the strong growth and rental yield opportunities in South East Queensland.

Whether you're a seasoned investor or new to the market, the Sunshine Coast offers promising returns that are hard to ignore. The combination of lifestyle appeal and economic opportunity creates a compelling case for investment.

In my assessment, the growth of South East Queensland—and the Sunshine Coast in particular—represents one of the most exciting property investment opportunities in Australia today. The population boom isn't just reshaping the region; it's creating a fertile ground for substantial capital gains and strong rental yields.

But opportunities like this are time-sensitive. Acting now allows investors to get in ahead of the curve, securing properties before prices climb even higher. The Sunshine Coast's trajectory is clear: it's on the rise, and those who recognise this early stand to benefit the most.

Don't wait and watch from the sidelines. The Sunshine Coast's growth is more than a trend; it's a sustained movement towards a prosperous future. Invest today and be part of this remarkable journey.

Seize the moment—invest in the Sunshine Coast now.

You’ve no doubt heard about the limited land available for house & land packages in SE QLD. It's becoming increasingly scarce, not just for us but for all builders in the region.

So with demand at an all-time high and limited stock available, I wanted to give you an exclusive update on what we have secured this year.

Spread across four distinct estates, each offer unique potential for growth and returns.

1. Royal Pines Estate, Gympie

2. Harmony Estate, Sunshine Coast

3. Central Springs, Caboolture

4. Kinma Valley, Morayfield

Properties in these estates will all benefit from the predicted growth expected for the region.

Land parcels available are limited, so give us a call today. 1800 088 437

DO YOU WANT TO MAKE $1 MILLION IN 10 YEARS?

Based on historical growth over the past decade, these properties are projected to generate $800,000 to $1,000,000 in equity gain over the next 10 years.

Even more impressively, if you hold onto these investments for 15 years, the power of compound growth could see that equity soar to over $3 million.

These opportunities are not just about owning property—they’re about securing your financial future with significant, long-term gains.

NEXT STEPS
To explore these opportunities, or if you have any questions, please don't hesitate to contact me directly.  I’m here to provide you with all the information you need to make the best possible investment decision.

Or if you prefer, book your free consultation with the button below, or call me on 1800 088 437.  I look forward to hearing from you.

Don't wait to invest. Invest, then wait.

Imagine owning a spacious 4-bedroom home for under $700,000.

That’s becoming increasingly hard to find in today’s market, but we have secured land in South East QLD's latest property hotspot and put together a house and land package which is perfectly suited to the investor, creating strong rental yield and capital growth.

Get ahead of the curve in Gympie.

Request the property brochure here today.

This region is experiencing rapid growth. Opportunities like this won’t be available for long.

With easy access to national parks, beaches, and world-class fishing and boating, Gympie is perfectly located.

Frazer Coast and Frazer Island's holiday playground are virtually on the doorstep so the region is very attractive for those looking to escape crowded cities while still being close to all the essentials.

WHY GYMPIE?

Gympie is undergoing a massive transformation that positions it as Queensland’s latest investment location.

Just 30 minutes from Noosa, 40 minutes from Tin Can Bay, and under 60 minutes from the heart of the Sunshine Coast, Gympie is perfectly placed for those seeking a balance between lifestyle and affordability.

If you’ve considered expanding your portfolio or are making your first investment, now is the time to act.

Let me tell you more about why Gympie is the place to be and how you can get involved in this new high-growth market.

THE GYMPIE PROPERTY MARKET: Exceptional Growth and Affordability

Over the past four years, Gympie’s property market has consistently ranked as one of QLD’s best performers.

Property prices are still accessible compared to Brisbane and the Sunshine Coast, and the area offers both value and lifestyle, driving demand from buyers seeking more affordable alternatives.

Gympie is expecting 70,000 new residents by 2046, and they will all need somewhere to live.

And with rental vacancy rates currently at an all-time low of 0.3% and capital growth tracking between 9% and 10% annually, it's an investors dream.

WHAT'S FUELING THE GYMPIE GROWTH?

Gympie’s strategic location, robust economic development plans, and excellent infrastructure are the key drivers behind its rapid expansion

INTRODUCING ROYAL PINES ESTATE

Your Next Investment Opportunity

If you’re looking for a high-growth investment with a premium lifestyle offering, I’m excited to let you know about Royal Pines Estate - a new land development in the heart of Gympie.

Right next to the beautiful Gympie Pines Golf Course, this estate offers large lots with stunning views of the mountains and the Sunshine Coast.

It’s perfect for those who value an active lifestyle, with lots of parks with footpaths connecting to town and direct buggy access to the golf course.

Lot 36 and 37

Together with our building partners Dwyer Quality Homes, we have secured 2 of the best lots on the block.

Tucked away in a quiet cul-de-sac, lot 36 and 37 will be ready to build on as early as October this year.

Call TODAY

Royal Pines Estate is quickly becoming the region’s most sought-after address, with the perfect blend of community, nature, and convenience.
With such strong demand in the area and the estate’s unique offerings, this development will sell out quickly.  If you’re interested, give me a call today or email me here.

Or if you prefer, book your free consultation with the button below, or call me on 1800 088 437.  I look forward to hearing from you.

Don't wait to invest. Invest, then wait.

These Olympics were keeping me up at night, but what amazing talent!  And they certainly shine a light on beautiful Paris.

In just eight years, South East QLD will be on show too.  The 2032 Olympic Games are expected to benefit the region with a whopping $8.1 billion influx.

Couple that with the $12.5 billion in infrastructure projects already happening here, and we’re in for a massive boom, especially in the property market.

Remember how Sydney’s property prices jumped by 20% before the 2000 Olympics? 

Brisbane Expo 88 and the G20 summit in 2014 saw similar growth, and the year after these major events, median house prices continued to grow by an average of 14.3%.

With the Brisbane Olympics in 2032, we’re anticipating the same kind of growth. 

The eyes of the world and millions of Australians will see just how amazing life is in South East QLD, and this is a key driver of major-event property growth so it's a great time to consider property investment.

With a strong economic plan driving job creation and new investments, plus a new international airport making the region more accessible, South East QLD is poised for growth.

We're on the verge of something big and it could be a fantastic opportunity for you. If you’re considering investing, now’s the time!

You may have seen this article in the Fin Review last week about NDIS housing.

Investors were promised huge returns under government backed schemes that were unfortunately, as the old saying goes, too good to be true.

NDIS housing is expensive to build as it needs specialised accommodation and if it's not built where it's needed, managers can't find tenants and investments fail.

It's true there is a significant gap between demand for specialised disability housing and the available supply.  However, knowing exactly where that demand is now - and in the future - is very difficult to gauge.

As a regular reader of these emails, you know a thing or two about property investing, and the formula is simple:

1. Do your research - Choose areas where demand is high and will continue to grow. Understand local instratructure expansion plans and how population growth will affect your investment value

Invest in property that meets the market demand 

If you're looking for property at the moment, you've probably been spammed with NDIS investment promises and you may well be wondering if it’s something you should consider for your portfolio.

Many NDIS providers are advertising their housing options as government-backed schemes. Unfortunately, this is not the case and I wanted to share with you today some things to look out for when weighing up your investment options.

Providing housing through the NDIS certainly could be profitable and does help those in need but before you make any decisions, below are some facts about NDIS investing.

HOW NDIS INVESTING IS DIFFERENT TO TRADITIONAL INVESTING

Payments for NDIS housing are made to the NDIS participant - not the property owner - so despite many advertisements out there, there's NO government-backed guarantee of tenancy.

In fact, given the smaller market size, some NDIS service providers say it can take 9-12 months to find a tenant, and vacancy rates are high - on average between 10-15% compared to 1% for other housing.

It's important to do your research because from the initial build, through to selling your investment, NDIS housing is a very different model.

KEY THINGS TO CONSIDER

From a building and investment point of view, the NDIS investment process is quite different from the standard property investing models you know and therefore needs to be considered carefully.  There are a few differences that new investors should know about before deciding if an NDIS property investment is right for you.

1. FINANCE
Firstly, some banks consider NDIS housing as commercial, which means they can charge higher interest rates and often only loan 70% of the total value, so a much larger deposit may be required.

2. THE BUILD
NDIS properties must be constructed to strict specifications.  People with disability require specialised accommodation with accessible features to help residents live more independently and have better access to the supports in their home.

There is a stringent process of compliance and approvals and this takes additional time, which needs to be included in the build plan as it is crucial these specifications are met for the future tenant.

3. PROPERTY MANAGEMENT
All completed NDIS properties must have an NDIS-approved, Specialist Disability Accommodation (SDA) accredited property manager.  NDIS investments cannot be managed by you or your usual property manager.  Also, an SDA-accredited property manager will usually charge a higher management fee, sometimes up to 15% of the rental turnover.

4. THE MARKET
The last point I wanted to share with you today is the challenge of finding correct information about the market for NDIS properties.  Not only is it difficult to gauge exact supply levels of this type of housing, both planned and completed, but it’s also hard to estimate future demand levels in specific areas.

It would be a shame to invest your time and money in building a beautiful new, fully approved, accessible home, only to find that after going through all the additional paperwork and compliance required, there was limited demand for that type of housing in your area.

There are lots of different investment ideas and models out there and it’s always best to talk to an expert before deciding which one is right for you.

If however, you’re interested in a more traditional property investment here in South East QLD, with a proven 10% return, we would love to help you.

Book your free consultation with the button below, or call me on 1800 088 437.

I look forward to hearing from you.

Don't wait to invest. Invest, then wait.

Here's yet another reason why QLD is the better choice for property investment.

You may have seen NSW and VIC are increasing land taxes to the combined tune of over $6 billion.

We've already seen the effect of these changes in Victoria, with investors selling properties causing a dip in the Melbourne market, and experts predict NSW will follow suit.

Savvy investors will always see the value in property, so they're shifting their money to QLD.

This influx of buyers will boost demand and inevitably drive up QLD housing prices, particularly in Southeast QLD over the next year.

WHAT ARE THE NEW TAX LAWS AND HOW DO THEY AFFECT INVESTORS

NSW Land Tax Increase

NSW is set to increase land taxes for property investors by $1.5 billion. Starting in 2024, the tax-free threshold for land tax will be frozen at $1.075 million and no longer indexed annually in line with property price changes.

This means that as house prices rise, more properties will be subject to land tax, raising property owners' costs. The Real Estate Institute of NSW warns this will cost property owners thousands of dollars annually, forcing them to look elsewhere for investment opportunities.

Victoria's Tax Changes

In March 2024, Victoria announced a $4.74 billion increase in land taxes, severely reducing investor interest.

The tax-free threshold for investment properties in Victoria has been cut from $300,000 to $50,000.  A new yearly flat fee has been added and tax rates on properties over $300,000 have been increased.

This has already contributed to a slowdown in Victoria's property market, with more landlords selling and fewer investors buying.

WHAT DOES THIS MEAN FOR QLD INVESTORS

For QLD investors, this is a golden opportunity. The tax system in QLD makes it an attractive destination for property investment, especially as more investors from NSW and Victoria look for better options.

NEXT STEPS FOR INVESTORS

If you're considering investing in QLD property, now is the perfect time. As the land tax threshold in QLD moves with property prices, it will continue to be a smart choice.

Everyone's personal situation is different, but here at Dwyer Property Investments, we can show you how to take full advantage of these tax law discrepancies and start exploring your property options today.

Click here for your FREE consultation.  There is no obligation, and you will be armed with the knowledge you need to make smart investment decisions.

Above: Book some time HERE with Jason to discuss your property investment options

Dwyer Quality Homes, with nearly 40 years of building experience, has set the standard for quality builds in SE Queensland. Their longstanding commitment to excellence has solidified the reputation as a trusted name in the industry and they continue to exceed expectations.

Above: Take a moment to check out the new terraces on Balmy Walk at Harmony Estate to see first-hand the meticulous craftsmanship and attention to detail that goes into every project

For the last five years, Dwyer Quality Homes have been at the forefront of contemporary terrace design, establishing them as the premier builders of terrace-style houses on the Sunshine Coast.

Above: Recent terrace-style projects from builder partner, Dwyer Quality Homes

With an impressive track record of 45 terraces already built, 19 currently under construction, and 14 more set to begin in the next few months, they continue to satisfy both tenants and investors alike.

CAPITAL GROWTH

Investors in Dwyer Quality Homes have enjoyed remarkable capital growth, experiencing an average increase of 10.2% - even during the construction phase.

This impressive growth translates to an equity gain of $80,000 and starts the day you sign the contract, not just when your property is finished.

Additionally, with the Dwyer Property Investments 3-year rental guarantee, you have total peace of mind knowing your investment is earning money and protected. Your rental income is market based and paid for 3 years, whether there’s a tenant in the property or not.

Above: Hear Jason explains how the rental guarantee works

Our experienced team at Dwyer Quality Homes and Dwyer Property Investments are dedicated to delivering exceptional quality, unparalleled service, and outstanding returns on your investment.

Whether you are a first-time investor or looking to expand your portfolio, Dwyer Property Investments is here to support you every step of the way. With our expertise and proven track record, we’re confident we can help you achieve your investment goals and enjoy the benefits of a high-quality, high-growth property investment.

Or if you'd like to talk to me directly about this new opportunity, give me a call on 1800 088 437 or click HERE and let's get in touch.

Don't wait to invest. Invest, then wait.