Started with an affordable first property.
Thinking about investing
Thinking about investing? Start with your number, not a property.
Before you look at listings, it helps to know what ready means for you: what you could put in, what a lender may let you borrow and what a first property needs to do. Start with our free whitepaper on the markets our research rates as resilient under the new tax settings, then book a call when the numbers line up.
Ready to talk? Book your free call850+ five-star Google reviews. REB Buyer's Agency of the Year, winner 2023, 2024 and 2026.
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10 Markets Positioned To Remain Resilient In Australia's New Tax Environment
Sound familiar?
You’re interested. You’re just not sure you’re ready.
You don’t know your number
You are saving towards something, but nobody has told you how much is enough or what it needs to cover.
The headlines keep changing
Tax changes, prices and lending rules all make the news. It is hard to tell what affects you and what is noise.
Prices feel out of reach
When you look at what homes cost near you, investing can feel like something for other people.
It’s a decision for two
You and your partner want to be on the same page before you commit to anything, and that takes time.
What is really going on
Waiting isn’t the problem. Waiting without a plan is.
Taking time before a large decision is sensible. What makes it feel endless is not knowing what you are waiting for. Once you know what you can put in, what a lender may let you borrow and what a first property needs to do in a longer plan, the waiting has an end point. Some people find they are closer than they thought. Others find they need another year of saving, and that is a useful answer too.
How to use the time before you buy
Use the waiting time well.
Four steps you can take at your own pace. The first is free and takes a few minutes.
- 01
Understand what has changed
Our free whitepaper shows which markets our research rates as resilient under the new tax settings, and the data behind each one. It is a calm place to start.
- 02
Find your real number
Add up your savings and any equity you hold, and ask whether family guarantor support is an option. A mortgage broker can tell you what a lender may let you borrow.
- 03
Agree the goal together
Talk through what you and your partner want property to do for you, and over what timeframe. A plan is built around that answer.
- 04
Book a free call when you’re ready
A 15-minute conversation with no obligation. We talk through your goals and next steps. A broker can confirm what you could borrow.
You receiveThe discovery call suits people with access to at least $125K in savings or equity, or guarantor support.
Experience behind the approach
Meet our clients- Clients with a completed purchase
- 2,200+
- Completed property purchases
- 3,100+
- Typical time from signing to exchange
- 2 to 4 months
REB Buyer's Agency of the Year, winner 2023, 2024 and 2026.
Dated company experience. Purchase counts and reach are historical; individual outcomes vary and are not a forecast of your results.
Success stories
People who took their time, then started.
In their words
What clients say about working with us.
Excerpts from verified Google reviews. Individual experiences, not promised or typical results.
Google reviewThey help take care of the entire process so we never felt hung out to dry.
Anas PaloRead on Google
Google reviewMe and my Wife were introduced to InvestorKit through a friend, we were pretty sceptical of using a buyer's agent, but after having a Strategy session with Lee all our concerns disappeared.
neil simonsRead on Google
A fair question
Is now a bad time with all the changes?
Nobody can honestly tell you what prices will do next, and we will not try. What we can tell you is what changed. From 1 July 2027, negative gearing is limited for established homes bought after 7:30pm AEST on 12 May 2026, and for individuals, trusts and partnerships, capital gains that build up from that date get inflation indexing and a 30% minimum tax instead of the 50% discount. Homes already held at that time keep full negative gearing, gains built up to 30 June 2027 keep the 50% discount, and new builds are exempt from the negative gearing change. We choose property on fundamentals such as demand, supply and rent, not on tax breaks, so our approach has not changed. Whether now suits you depends on your finances and your plan, not the headlines.
- The changes are law. Each one is listed on this page with its date and official source.
- We never recommend a property because of its tax treatment.
- Reading first is fine. The whitepaper and the call are both free, with no obligation.
Your next step
Start with a free 15-minute call.
Tell us where you are and what you want. We will explain how we work and whether we are the right fit. You do not need to be ready to buy.
The discovery call suits people with access to at least $125K in savings or equity, or guarantor support.
850+ five-star Google reviews. REB Buyer's Agency of the Year, winner 2023, 2024 and 2026.
Weighing your options
Investing on your own, or a team beside you.
The alternative
Investing on your own
You build the plan
Build your own strategy and seek professional input where needed.
You assess the evidence
Source data, compare markets and decide which evidence to trust.
Your search and network
Search listings and build your own agent relationships.
With InvestorKit
A team beside you
Strategy, together
Work with a property strategist to connect your goals, buying brief and portfolio plan.
Dedicated research
A dedicated research team assesses supply, demand and market fundamentals.
A team sourcing for you
An acquisitions team sources opportunities through listings and agent relationships.
Rules and policy
What has changed recently
Current at . General information, not financial, tax or legal advice. Check how any change applies to you with your accountant or adviser.
Law, not yet startedFederalFrom
Negative gearing limited for established homes
From 1 July 2027, losses on established residential investment properties bought after 7:30pm AEST on 12 May 2026 can only be offset against residential property income and gains, not wages. Properties already held at that time keep their current treatment, and newly built homes are exempt.
Source: ATO: negative gearing and CGT reforms (opens in a new tab), Budget 2026-27 explainer (PDF) (opens in a new tab)
Law, not yet startedFederalFrom
CGT discount replaced by indexation and a 30% minimum tax
For gains that build up from 1 July 2027, the 50% capital gains tax discount is replaced by indexing the cost base to inflation, plus a 30% minimum tax on the real gain. Gains built up before that date keep the 50% discount, and main residences stay exempt.
Source: ATO: negative gearing and CGT reforms (opens in a new tab), Budget 2026-27 explainer (PDF) (opens in a new tab)
Draft for consultationFederal
Draft rules on what counts as a new home
Treasury has released draft law setting out which homes count as new for the negative gearing and capital gains tax changes. It is a draft only and could change before it reaches Parliament.
Source: Treasurer media release (opens in a new tab), Treasury consultation (opens in a new tab)
Read more from InvestorKit
Is this you?
An honest fit check.
The discovery call suits people with access to at least $125K in savings or equity, or guarantor support.
- You want to invest in the next year or two and want to know what ready looks like
- You would like to understand the 2026 changes before you decide anything
- You and your partner want to plan together before you commit
- You prefer evidence and plain answers to a sales pitch
A good fit
This may suit you if...
- You want a tip on what to buy this month
- You want a prediction of where prices are heading. We won’t give one
- You want a guaranteed return. Nobody can honestly offer one
Probably not a fit
This may not suit you if...
Before you decide