What Type of Investment Property Should I Buy?
One of the biggest decisions you’ll make as a property investor is what type of property to buy.
There are plenty of options — from high-rise apartments to house and land packages, townhouses, or even student accommodation. But just because a property is available doesn’t mean it’s the right choice.
The key is to match the property to your goals — and choose one that will hold value over time.
Which investment property should I buy?
That depends on your personal goals and financial position. But for most investors, the best option is simple:
Buy a quality home in a good location — and plan to keep it for 10 years or more.
Look for a property that:
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Appeals to owner-occupiers (not just investors)
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Offers lifestyle value to the people who live there
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Has strong population growth forecasts and upcoming infrastructure
This combination supports long-term capital growth — which is where real wealth is built.
What first investment property should I buy?
If you’re a first-time investor, consider a new house and land package in a master-planned estate. These properties often:
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Maximise depreciation and tax deductions
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Offer better cash flow due to lower maintenance and newer build quality
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Attract stable, long-term tenants
But make sure the location isn’t just new — it needs long-term demand, strong local infrastructure, and high expected population growth.
What is the safest investment property to buy?
The safest investment is one that’s:
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Homeowner quality
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Located in an area with sustained population growth
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Supported by infrastructure delivery (like transport, schools, healthcare, retail)
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Built by a reputable builder on land from a reliable developer
This gives you a strong foundation for long-term performance — even through market ups and downs.
Should I buy residential or commercial property?
For most people, residential property is the better choice.
Commercial property can have higher returns, but it also comes with:
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Higher risk
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Longer vacancy periods
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Higher entry costs
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Less flexibility
A well-chosen residential property in the right location will deliver steady long-term growth and rental demand — especially when held for a decade or more.
Is student accommodation a good investment?
No — we strongly advise against it.
Student accommodation is a niche product with limited appeal, frequent vacancies, and poor resale performance. In most capital cities, student apartments are the cheapest properties on the market, often sold at a loss.
Unless you’re planning to live in the property yourself and have no interest in capital growth, steer clear of high-rise apartments and niche investments like student rooms, hotel suites, and holiday lets.
Final word
If you want long-term success, buy a livable, owner-appeal property in a growing area — and keep it.
Don’t chase trendy markets. Don’t overcomplicate the strategy. The best investment is the one you understand, can afford, and will comfortably hold through cycles.
Need help choosing the right property?
We help people buy smart — not risky. Whether you’re just getting started or looking to grow your portfolio, we’ll guide you toward the right property for your needs.
Book a FREE Consultation with property investment expert Michael Sloan and make your next move with confidence.
