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Could You Retire On One Property?

Investing in property

According to a recent ‘Super Shortage’ study1 , for Australians to live the retirement lifestyle they aspire to from 65, their savings will last just five years.

With the average life expectancy of Australians being 82.5 years old, this creates a super shortage of 12.5 years.


There are many investment options, but one way to become financially secure and avoid the ‘super shortage’ is to grow a substantial asset base through property investing.

Long term property investment can pay off IF investors ride out the highs and lows of the property market.


Did you know that only 1.5M Australian individuals are property investors? That is approximately only 6% of the population2

 With the right strategy and risk prevention, property investment can give you long term financial security.

So why are so many people reluctant to take the next step and invest in one, two or more properties?

When working with our clients on their property investment strategy, some of the things they worry about are:

  • losing their home
  • not being able to afford another property
  • losing their job or other income, and
  • interest rates rising

These are genuine and appropriate concerns for property investors, especially in the current lending environment.

With tighter regulatory requirements for the finance industry, lenders are now scrutinising borrowers’ capacity to service debt.

Borrowers may be anxious about higher future interest rates and repayments but lenders closely assess:

  • a borrower’s capacity to repay their debt
  • potential interest rate rises, and
  • vacancies from tenants, amongst other factors

This is where we play our part.

We are obliged and trained to ensure you do not undertake any finance that is not suitable for your circumstances, now and in the future.

In a less favourable property market, selecting a good property in a high demand area with low vacancy rates will minimise difficulties in finding tenants.

Investing in mortgage protection insurance and landlord insurance is important and should protect you if you unexpectedly lose your job and if tenants don’t pay their rent or damage your property.


Structuring your finance is a vital step if you are planning to grow a property portfolio.

Your investment property strategy will depend on your age, income, stage of life and years remaining until retirement.

A strategic acquisition of properties can give you an asset base to live off in retirement.


It is important to investigate:

  • the Australian property market and where the best potential gains are likely to occur
  • your long term serviceability, finance structure, and
  • your current AND future financial position

1. AMP Newsroom 25 July 2018, Australian’s face 12.5 year ‘Super Shortage’

2. ATO Taxation statistics 2015-16, ABS Australian Demographic Statistics 2016

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This article is prepared based on general information. It does not take into account individual financial objectives or needs and is not financial product advice.

About the Author

James commenced Mortgage Brokering in 2009 and launched the Mortgage Broker business "Your Home Loan Consultant" in February 2012. With over 10 years of experience in the finance industry, our team in Brisbane are here to assist you. We pride ourselves on transparency and communication, and no matter what you need – we are never more than a phone call away. Your Home Loan Consultant is a full-service Mortgage Brokerage. Assisting first home buyers to get into their own home and then with the correct guidance show them how to create wealth through property investing.

James Sylvester

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