When people think of risks in property investment, they often imagine interest rate rises or market downturns. Yet the greatest risk is something far less obvious – the opportunity cost of not investing at all.
Over 20 years of advising on property, inSynergy founder Richard Sheppard has consistently seen Australians hold back through fear or lack of knowledge. The result? They miss out on wealth-building opportunities that can be worth $1,000 to $2,000 per week in combined growth and income.
As a simple example: a $1,000,000 property with modest 5% capital growth and 4.5% rental yield can produce around $900 per week in income. Waiting to invest could cost you up to $50,000 in growth annually, plus forgone rental earnings.
The Power of Professional Support
Entering the property market doesn’t need to be daunting. With the right professional guidance, the process is surprisingly straightforward and low risk. Many people stall because they lack education, financial structure, and a clear plan.
Working with a Property Wealth Planner gives you access to research, data, and proven strategies tailored to your goals. It means you can invest with confidence rather than hesitation.
One-on-One Learning – Not Seminars
One of the most effective ways to start is with a one-on-one property investment course. In just half a day to a full day, you can gain clarity on strategies, structuring, financing, and goal setting.
This isn’t about sales-focused group seminars. These personalised sessions are designed to teach you how to make informed decisions so you can move forward strategically.
Understanding Australia’s Many Property Markets
The “Australian Property Market” doesn’t exist as a single entity. Across the country, dozens of local markets operate at different stages of their growth cycles.
The media tends to generalise, but timing and location are everything. Professional advice helps you identify which markets are in a growth phase so you can invest while managing risk.
Understanding Local Markets: Brisbane Case Study
Australia has multiple property markets, all at different stages. According to CoreLogic and other data, Brisbane dwelling values in July 2025 were $919,000, up 9% over the year, with a 0.4% monthly rise from June and 2.0 % quarterly growth. Over the past year Brisbane units and houses have achieved annual capital growth around 8 – 13% – making it one of the strongest capital-city performers in Australia.
Rental yields also remain attractive – units average around 4.5%, houses about 3.5% gross, depending on suburb and structure.
Cash Flow Resilience in a Stabilising Rate Environment
As of May 20th, 2025, the RBA reduced the cash rate to 3.85%, following earlier cuts in February, as inflation has been trending down into the 2 – 3% target range. Major banks forecast further gradual cut, most targeting 3.35% by end 2025 and potentially 3.10% by mid-2026. Some lenders are already offering variable rates under 5%, boosting affordability and positive gearing potential.
Many people worry about affordability if interest rates rise. The reality? Most well-selected properties can remain positively geared, even at rates as high as 8 or 9 per cent.
Real-Life Success Story
In 2018, a client began with $120,000 in savings plus $119,000 in equity. Their target: four investment properties and $1.4 million in equity by 2024. By mid-2025, they had four properties worth $4.07 million, with $1.4 million in equity. In their words:
“Kudos on getting the crystal ball working back then!”
They now enjoy stronger cash flow, net wealth and a platform for their next growth phase.
In just six years, they’ve transformed their financial position, increased cash flow, and created a strong foundation for future investments.
“The greatest risk isn’t falling property values – it’s the weeks, months or years lost by not investing at all.”
Don’t Let Fear Hold You Back
The sooner you start, the sooner you can secure your financial future. One smart property purchase can fast- track your retirement or give you a safety net for life’s unexpected events.
So, if you’ve been waiting for the “right time” – remember that waiting can be the riskiest strategy of all.
Visit www.inSynergy.net.au to request a complementary consultation with one of our experienced Property Wealth Planners.
p. 1300 425 595
e. hello@insynergy.net.au
Level 1, Suite 8, 22 Darley Road, Manly
www.insynergy.net.au
Important Note and Warning: This information must not be taken as financial advice. This is general information only and you should seek out relevant and independent professional advice before making a financial decision.