Introduction

With rising interest rates, shifting housing preferences and headlines warning of everything from
market booms to busts, many Australians are asking the same question: Is now really a smart
time to invest in property?

The truth is there’s no one-size-fits-all answer. But with clear guidance and a solid understanding
of how property investment really works, it’s possible to cut through the noise and make
confident, informed decisions based on facts — not fear.

Whether you’re a first-time investor or looking to expand your portfolio, this blog breaks down
what the experts want you to know.

1. Timing the Market vs. Time in the Market

Trying to perfectly time a property purchase — buying at the absolute lowest point and selling at
the peak — is next to impossible, even for seasoned professionals. The market is influenced by
countless variables: government policy, global events, lending conditions and more.

However, what history has consistently shown is that those who stay in the market over time
tend to come out on top. Holding a quality asset in a strong location for the long haul generally
delivers solid capital growth.

What really matters isn’t trying to guess the market’s next move — it’s having a smart strategy,
selecting the right location and ensuring you’ve got the finance buffer and patience to ride out
short-term dips.

2. Property Is a Long-Term Wealth Tool

Unlike shares or crypto, property isn’t about quick wins. It’s a long-term wealth-building tool.
Yes, property values fluctuate — but over a 10-year-plus timeframe, the Australian property
market has demonstrated consistent growth.

Beyond capital growth, property provides passive income through rent. This rental income can
support your ongoing finance needs and bolster your long-term position.

Investing in bricks and mortar isn’t just about where the market is today — it’s about where you
want your overall finance to be in a decade or more.

3. The Market Has Opportunities — If You Know Where to Look

Just because national headlines suggest one trend, that doesn’t mean it applies everywhere.
Australia’s property market isn’t one market — it’s made up of thousands of micro-markets,
each with their own unique drivers.

At Mirren, we specialise in pinpointing high-growth corridors and undervalued suburbs where
real opportunities exist. Through thorough research and on-the-ground analysis, we help our
clients move beyond guesswork to make data-informed decisions.

This means our clients aren’t following the herd — they’re stepping ahead of it.

4. Leverage Is Still a Powerful Tool — Even Now

Yes, interest rates are higher than they were a few years ago — but property remains one of the
few investment classes where you can use leverage to your advantage.

Leverage simply means using finance to control a much larger asset than you could otherwise
afford outright. For example, with a $100,000 deposit and appropriate finance, you might secure
a $500,000 property. That property then grows in value based on its full price, not just your
deposit.

Even in today’s environment, structured correctly, many properties can still be positively geared
— meaning your rental income covers the majority of your finance and holding costs.

5. Expert Guidance Helps You Minimise Risk

One of the biggest risks in property investment is going it alone — relying on guesswork,
headlines, or hot tips from friends.

At Mirren, our clients receive expert guidance tailored to their personal finance goals. From
selecting the right property and location, to ensuring your finance structure supports long-term
growth, we’re with you at every step.

Our goal isn’t just to help you buy a property — it’s to help you build a strategy for long-term
wealth, backed by knowledge, experience and ongoing support.

Conclusion

So, is now a good time to invest in property?

It depends — not just on the market, but on you. If you’ve got a clear strategy, reliable finance
and expert support, then yes: now can be a fantastic time to build long-term wealth through
property.

The media will always have something to say — but the most successful investors know how to
tune out the noise, stick to the fundamentals and make smart, well-informed moves.

At Mirren, we help you do just that. Whether you’re just starting out or ready to grow your
portfolio, let’s explore how property investment can fit into your long-term finance plan.