Investment Property Checklist Before You Buy

Buying an investment property is a big step. Whether you're a first-time investor or expanding your portfolio, it’s important to tick all the right boxes before you sign on the dotted line. This checklist will help you make smarter choices and reduce risk while boosting long-term value.

Understand Your Investment Goals

Before looking at properties, get clear on your goals. Are you after capital growth, rental income, or a mix of both? Your answers will shape what and where you buy.

• Long-term capital gain
• High rental yield
• Positive cash flow
• Tax benefits
• Future development or resale potential

Define your strategy early so you can focus on properties that align with your plan.

Cosmopolitan| Off the plan Sydney | Secure with $10k and $447 x 141 weeks

Research the Location

Location plays a key role in how well your investment performs. Look for suburbs with strong growth potential, infrastructure projects, and tenant demand.

Things to consider:

• Proximity to transport, schools, shops, and jobs
• Local vacancy rates
• Historical growth trends
• Planned developments in the area
• Appeal to renters and future buyers

Suburbs undergoing gentrification or near new transport hubs often offer great off the plan opportunities.

Danks St District By DASCO | Off the plan Sydney | Secure with $20k and $611 x 127 weeks

Review Your Finances

Get your finances in order before you make any commitments. Speak to a mortgage broker or financial adviser to understand your borrowing capacity and cash flow.

Key financial checks:

• Pre-approval from a lender
• Budget for upfront costs (stamp duty, legal fees, etc.)
• Estimate ongoing expenses (repairs, strata, insurance)
• Forecast rental income and potential returns
• Know your tax position and potential deductions

Horizon Hurstville | Off the plan Sydney | Secure with $10k and $375 x 61 weeks

Choose the Right Property Type

Different property types come with different risks and returns. Consider what’s easiest to rent, maintain, and sell later.

Common choices:

• Apartments (often lower maintenance, great for off the plan)
• Townhouses (good balance of space and price)
• Houses (higher growth potential, more upkeep)
• Storage units or commercial spaces (higher yield, more complex)

For first-time investors, off the plan apartments can be a great entry point with modern features and attractive pricing.

Auburn Square, North Village | Off the plan Sydney | Secure with $10k and $378 x 114 weeks

Understand the Developer and Build Quality

If you’re buying off the plan, research the developer and builder. Check their previous projects and reputation.

Look for:

• Completed builds in other suburbs
• Positive reviews and testimonials
• Delivery track record
• Quality of finishes and inclusions
• Transparency in contracts and timelines

Ask to view floorplans, 3D renders, and materials used. Make sure everything is clearly outlined in writing.

The Edmondson Collection | Off the plan Canberra | Secure with $10k and $697 x 28 weeks

Legal and Strata Checks

Have a solicitor or conveyancer review the contract before you commit. If buying in a strata complex, check the rules and financials.

Make sure to:

• Read the strata report (fees, funds, upcoming works)
• Understand any restrictions (pets, renovations)
• Review special levies or legal disputes
• Confirm your property title and inclusions

The Markets Residences | Off the plan Canberra | Secure with $10k and $512 x 44 weeks

Consider the Exit Strategy

A good investment starts with a clear exit plan. Think about when and how you may sell in the future.

Ask yourself:

• How easy will this property be to resell?
• Will there be demand from future buyers or investors?
• Could I refinance or use equity to buy again?
• What market conditions could affect my return?

ERA Newcastle | Off the plan Newcastle | Secure with $10k and $559 x 119 weeks

Coposit Makes Investment Easier

With Coposit, you can invest in property with only $10,000 upfront. Instead of needing a full deposit, you pay the rest in weekly instalments until settlement. There’s no loan or interest. It’s the smart way to buy off the plan and build your investment portfolio without the usual financial pressure.

Coposit works with trusted developers across Australia. Whether you’re buying your first investment property or adding to your portfolio, we help make property investment more achievable.

The Abbotsford | Off the plan Brisbane | Secure with $10k and $1,226 x 66 weeks

Be Ready Before You Buy

Ticking off this investment property checklist can save you time, money, and stress. With clear goals, thorough research, and the right support, you’ll set yourself up for long-term success in the property market.