What You Need to Consider Before You Invest in Property
When it comes to investing, buying a property is one of the best ways to get your foot in the door. With the security of a physical asset that will only appreciate in value, many keen investors aim to purchase their first live-in asset in their twenties, and add to their portfolio slowly. While property investment has long been seen as a fail-safe option for those looking for financial security, this path is no get-rich-quick scheme.
Just like any investment, there are things to consider before getting your foot on the property ladder. Seeking expert advice can be the difference between a successful investment property and a stress-inducing money drain. With that in mind, let’s discuss some of the things you need to consider before diving into the wonderful and exciting world of investment property.

CONSIDER YOUR PERSONAL CIRCUMSTANCES
The most important part of investing in property is understanding how your purchase lines up with your circumstances. While it may seem appealing to get the most expensive property possible in a high-growth area, are your outlying expenses going to allow you to service the mortgage and interest? Do you eventually plan to live in the property, or is it purely an investment for the future?
Before committing to property investment, make sure that your cash flow can support your plans, and consider how a mortgage may affect your lifestyle in the future.
KNOW YOUR BORROWING POWER
When buying an investment property, chances are that you’re going to need a mortgage. Banks consider factors like lifestyle and existing lines of credit, meaning that your borrowing power is going to be different to that of your neighbours.
A first-time buyer with no financial commitments is likely to have different access to government grants, concessions and mortgage rates than a family of four with a car loan and an existing residential property. Speak to a broker to understand just how much you’ll be able to borrow, and what kind of deposit is required for your dream investment property.

CHOOSING THE RIGHT PROPERTY FOR YOU
Not every property is bought with the intention of spinning a profit straight away. Many investors make their choices based on the growth of the area, or choose to renovate or rebuild before releasing it to the market. Whether you’re choosing a fixer-upper, or want positive cash-flow immediately, it’s essential to carefully evaluate potential properties to ensure that it aligns with your short-term and long-term goals.
Before committing to property investment, make sure that your cash flow can support your plans, and consider how a mortgage may affect your lifestyle in the future.

PLAY THE LONG GAME
The property game is a marathon, not a sprint. While some properties are good to go from the day of settlement, others will take years of careful maintenance to begin spinning a profit. Factors affecting the profitability of a property include the age, facilities and area, and can often result in negative gearing for the first few years of ownership. Be patient, and your property can be a fantastic step to securing your financial future.
LET A BROKER HELP YOU MAKE THE RIGHT CHOICE
At BrokerCo, we understand the nuances of the property market and how important your first investment can be. We match you with a professional mortgage broker to assist you step by step, so you can feel confident in your investment choices. With years of experience, BrokerCo can help you save time, money and stress in helping you build your future financial freedom. If you’d like to learn more about our services, or how a BrokerCo mortgage broker can help set you up for success, contact us today!

SOME OF OUR CUSTOMER REVIEWS
Thank you so much for your awesome service, help and results.!!!
Ditto again, simply brilliant service, advice and results!!! 12/10
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Brooke has gone above and beyond each time liasing with ourselves and buyers agents to get things across the line.
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Bernadette was amazing to deal with, nothing was an issue for her and the wonderful team at Broker Co. We cannot recommend these guys highly enough
A huge thank you to Jodie, Fran, and Nicole for going above and beyond to help me through every step. They were always supportive, patient, and proactive in finding solutions when things got tough.
I truly couldn’t have done it without them. I’m so grateful for their hard work and dedication, and I highly recommend Broker Co to anyone looking for a team who genuinely cares about their clients
Nicole in particular went absolutely above and beyond. She was patient, supportive, and always took the time to explain every detail in a way that made sense to me. She kept in constant communication, followed up on everything without me ever having to chase, and genuinely cared about helping me secure the best outcome.
Buying your first home can be overwhelming, but thanks to Nicole and the whole BrokerCo team, it turned into a really positive and exciting experience. I couldn’t recommend them highly enough - if you’re looking for a team that truly cares and goes the extra mile, BrokerCo is the one!
What truly stood out was her responsiveness and dedication. No matter how many questions we had, Brooke was always there with clear, patient, and thorough answers, giving us complete peace of mind at every step. Her professionalism, knowledge, and genuine care made us feel completely supported throughout the journey.
It’s rare to find someone who not only does their job exceptionally well but also goes above and beyond to make sure everything is handled perfectly. Brooke did exactly that. We are so deeply grateful for her efforts and couldn’t have asked for a better experience.
We definitely recommend her.
On 25/09/2025 Our dream came true thanks to Brooke.
We honestly cannot thank Brooke enough for everything she has done for us. After two years of struggling with different brokers who only made the process of buying a home more stressful and complicated, we finally found Brooke – and what a game changer she has been. Brooke went absolutely above and beyond, securing our loan approval in just 4 hours and making what we knew was a complex process feel completely stress-free and effortless.
What sets Brooke apart is her unique ability to tailor solutions that genuinely suit each individual’s circumstances. She doesn’t just crunch numbers – her extensive knowledge and experience, combined with her deep understanding of each lender’s policies, meant she knew exactly what would work best for us. Every obstacle we faced was met with a clear solution, and on top of that, she secured the best interest rate we could have hoped for.
Brooke’s patience, prompt responses, and willingness to answer every single question made us feel supported every step of the way. She doesn’t simply submit an application; she prepares thoroughly, anticipates every enquiry, and advocates fiercely for her clients when needed.
Brooke is not just a mortgage broker – she is an extraordinary problem solver, a true professional, and someone who genuinely cares about achieving the best outcome for her clients. We feel incredibly lucky to have had her on our side and could not recommend her highly enough.
Highly recommend to anyone looking for a broker who combines efficiency with genuine care.
I cannot recommend the team highly enough. They kept me informed and reassured me every step of the process even when things got stalled for a little while. And then when I was approved they further assisted me through the process.
Both times I have used the team, they have exceeded my expectations and worked with me to achieve my goals. A business to be proud of 👌🏾
I have now used BrokerCo 5 times over the last 6 years. Won't go anywhere else.
Matthew helped us begin the process with our initial consultation and pointed us in the right direction. He explained all the basics to us without over complicating things and got the ball rolling for us.
Fran is always touching base with us to make sure all our documents and forms are in order and everything is being done on time. She is very responsive and will always reply in a timely manner to answer any questions.
Finally, Nicole has been an absolute superstar for us. This last week we reached settlement on the block of land and unfortunately we had pretty poor experiences with our bank and conveyancer being very little help but luckily Nicole was there to pick up the slack and get us over the finish line. We had several delays as a result of very poor communication and effort from our bank to get forms processed in time which lead to us needing a 24hr extension on the day of settlement. My partner and I were both at work during the whole process which left Nicole to organise everything on her own, and that she did. She was on the phone all day for 2 days straight with everyone involved urging them to escalate it and fixing other peoples mistakes all while keeping us calm and updated on what was happening. I am 100% confident that without Nicole we would not have succeeded.
Our experience overall with BrokerCo has just felt so genuine all around, like they actually care about us and want what’s in our best interests. The congratulations phone call and email we got when we reached settlement wasn’t some pre-made speech that everyone gets, it was personal and they genuinely were so happy for us. We are very much looking forward to building our new house on the land and continuing to work with BrokerCo and could not recommend them enough if you are looking for a genuine, hard working, honest broker!
A huge thank you to everyone at BrokerCo who turned my dreams into a reality. I will be recommending you to all of my friends on the Sunshine Coast!
A special thank you to Paul, Nicole, and Fran — each of them went above and beyond to ensure everything was handled promptly and with care. They were extremely responsive, always available to answer my questions, and kept me informed throughout the entire process.
I highly recommend BrokerCo to anyone looking for a reliable, efficient, and genuinely supportive mortgage broker. In this aggressive property market, you want these people on your team.
What really stood out was her transparency and commitment—she kept me informed at every step and made the whole experience smooth and stress-free. Brooke’s dedication and expertise truly made a difference, and I can’t recommend her highly enough to anyone looking for a trustworthy and efficient broker.
Thank you, Brooke, for your amazing service!
I am so grateful to have crossed our path with you Brooke, it makes all the difference. May God truly bless you.
She has assisted us successfully in obtaining both our land and build loans and now our home loan refinancing.
On all these occasions, Brooke has been very knowledgeable and professional making the process seamless.
Brooke also ensures the process is timely and guides you really well on all that is needed. You always feel you are in good hands.
Thank you so much Brooke for coming through for us yet again.
Blessings.
Thanks again Brooke. Jye and myself are forever grateful
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info@brokerco.com.au
Maroochydore Homemaker Centre, Level 1/11/55 Maroochy Blvd, Maroochydore QLD 4558, Australia
+61 7 5370 8333

