Is property investment really within reach for me?

When people think about property investment, they often assume it’s only for the wealthy. But the truth is, property investment can be accessible to more people than you might expect—especially with the right strategy and financial advice.

At McMillans Accountants Traralgon, we’re here to show you that smart investing isn’t about how much you have—it’s about how well you plan.

How Can I Afford to Invest in Property?

You don’t always need a large cash deposit to get started. In fact, many investors begin with:

• Equity in their existing home

• Cash savings

• Self-managed superannuation funds (SMSFs)

These can be powerful tools to help you enter the market—without overextending yourself.

Should I Consider Negative Gearing?

Possibly. Negative gearing—where your investment expenses exceed your income, creating a loss that can reduce your taxable income—is one strategy that can work well for certain property investors.

But it’s not for everyone.

We can help you weigh up the pros and cons based on:

• Your income and tax position

• The type of property you’re considering

• Your long-term goals

• Your risk tolerance

What Else Should I Consider?

Property is just one part of a balanced investment portfolio, and like any investment, it comes with its own risks and considerations. That’s why independent and tailored advice is so important.

At McMillans, we can assist you with:

✔️ Cash flow forecasting and equity analysis
✔️ Ownership structuring – Should you buy in your name, a trust, or jointly?
✔️ Tax planning – Maximise deductions and minimise tax
✔️ Capital gains management – Be prepared before it’s time to sell
✔️ Ongoing support to help you maintain and grow your investment

Thinking of Buying an Investment Property? Let's Talk First.

Before you take the leap, chat with our experienced team. We’ll help you understand your options, crunch the numbers, and put you in the best position to make an informed, confident decision.