You love where you live. You just cannot justify buying there. Rentvesting solves that. Rent where you want to be. Own where the numbers make sense.
The Oliver Hume Property Group's Residential Outlook tracks house values, rental demand, and development activity across Australia's growth corridors every week. It is the data behind the suburb explanations we give every Rentvestor client.
Read how rentvesting works in practice and what it could mean for your long-term position.
Instead of buying in the suburb where you want to live, which may be too expensive or not aligned with strong investment fundamentals, you rent there and buy an investment property somewhere else.
Rental income from the investment property helps offset the cost of holding it. Over time, capital growth on the investment builds equity you can use in the future. Meanwhile, you stay where you want to be.
It is not without considerations. You remain a tenant in your own residence. Property investment carries real considerations: vacancy periods, market downturns, and interest rate changes. These are worth understanding clearly before making any decisions.
Not all locations suit a long-term rentvesting investment. The research consistently points to a few key factors:
The Oliver Hume Property Group has tracked house values, suburb growth, and development activity across Australian growth corridors for more than 70 years. The Oliver Hume Property Group's Residential Outlook draws on more than 30 years of transaction data covering Melbourne and key national markets. It is the research that informs our explanation of suburb selection at Oli Property.
Rentvestors are typically well-researched before they make contact. They want more than a general overview. The Oliver Hume Property Group's Residential Outlook provides our team with a dataset that most advisory firms cannot access, covering house values, rental demand, vacancy rates, and development activity across Melbourne's growth corridors on a weekly basis. That is what we bring to the conversation.
We explain how long-term property investment works, using evidence-based explanations. You understand the rationale before anything else.
We draw on the Oliver Hume Property Group's Residential Outlook across Melbourne and national growth corridors to explain what drives long-term suburb performance. You see the data behind location decisions, not just a shortlist.
Our approach focuses on new properties selected for rental demand and long-term suburb suitability. New properties may offer capital gains tax and depreciation benefits worth discussing with your accountant. Explore how the investment process works in detail. All examples are illustrative only.
From the first question to the long-term plan, you will have clear guidance. No jargon, every step.
Read it at your own pace. When you are ready to talk it through, Cam and Adam are here.
What rentvesting is, the numbers that decide whether it works, and four signs it is not for you.
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You rent where you want to live and buy an investment property in a location chosen for its growth potential and rental demand. Rental income helps offset the holding costs. Over time, the strategy aims to build equity and capital growth while preserving lifestyle flexibility. Individual outcomes depend on location, property selection, borrowing capacity, and market conditions. MoneySmart has a detailed overview of property investment in Australia.
There is no universal answer. Rentvesting suits people who want lifestyle flexibility and want to start building an investment portfolio without being locked into a specific location. Buying to live in suits those who prioritise permanence and building equity in their own home. The right answer depends on your circumstances and goals.
New investment properties may offer negative gearing, capital gains tax and depreciation benefits on the building structure and fixtures. If your property is negatively geared, meaning costs exceed rental income, that loss may be tax-deductible. These benefits depend on your personal tax situation and should be discussed with your accountant before making any decisions. The ATO explains negative gearing clearly.
This depends on your lender, the property price, and whether you have existing equity. Generally, 10 to 20 per cent of the property value is required, though this varies. Oli Property offers home loan services directly, which means your borrowing capacity conversation happens in the same place as your investment strategy. A licensed mortgage broker can give you a clear picture of where you stand. MoneySmart covers what to consider when buying an investment property.
You do not need to move. You just need a solid plan, good research, and a clear understanding of what is involved.
A homeowner looking to build wealth alongside an existing mortgage? Our page on reducing mortgage stress covers how that path works.
Thirty minutes by phone with Cam or Adam. Bring what you pay in rent, what you earn and what you have saved.
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Research led by Matt Bell, Chief Economist, Oliver Hume Property Group. 4,800 suburbs, trusted by government and ASX 200 companies.
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