Smart finance is the key to winning in the property investment surge

29 JUL 2025 By Finni 2 min read Investor Strategy

Australian property prices are rising again, presenting a compelling opportunity for investors.

For the first time in four years, every Australian capital city recorded simultaneous quarterly price growth—fuelled by recent RBA rate cuts, ongoing housing shortages, and renewed investor appetite.

New data from Agile Market Intelligence confirms this trend: a quarter of all households are planning to invest in property in the next 12 months.

In June 2025, national average property prices reached a new high of $837,586—marking five consecutive months of growth. Cities like Perth, Brisbane, and Adelaide are tipped to continue outperforming, with regional markets and other capitals also showing strong momentum.

The opportunity is clear. But for investors, success depends on one critical factor: getting the finance strategy right.

While interest rates remain relatively low, how you structure your investment loan can have a profound effect on cash flow, tax efficiency, and long-term returns.

According to Eva Loisance, Principal at investment finance specialist Finni, many investors underestimate the power of tailored finance advice.

“It’s not just about chasing the lowest rate,” Loisance explains. “Features like offset accounts, redraw flexibility, and strategic loan structuring can deliver significant long-term gains—especially when aligned with your broader investment goals.”

Finni works exclusively with investors, helping them develop finance strategies before they even begin property hunting.

“Astute investors speak to a specialist first,” Loisance says. “That way, they go into negotiations knowing exactly what they can afford—and whether a deal truly makes commercial sense.”

As property markets heat up, investors need to move with speed and confidence. Finni’s expert guidance gives clients a sharper edge: helping them unlock growth, reduce tax liabilities, and manage risk.

“In this environment, the investors who win are those who plan their finance like professionals—not as an afterthought,” Loisance adds.

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