Capital Properties buyers agent service

Are you in the Defence Force and are considering buying a property within your posting locality? Or maybe an established investment property? Our buyers agent service will help you find your ideal property and negotiate the lowest price and settlement with ease.

Capital Properties buyers agent service specialises in sourcing all types of property options. We research current market value for owner-occupied properties. We recommend investment properties with higher yield potential, as well as high growth property investments. And we’ll evaluate return on industrial and commercial property and investment properties that have value add potential with subdivisions and renovations.

How our buyers agent service works

Meet with one of our Capital Properties buyers agent experts for a Free Discovery Session and we’ll give you a taste of what it will be like to work with us. If you like what you see – and we’re confident that you will – we’ll grab your information and determine your borrowing capacity. Then we’ll follow up with a second meeting, or “Strategy Session”.

During this Strategy Session, we’ll ask questions like “How much do want to be worth when you retire?” and will develop a strategy to help you achieve your goals. Once we’ve nailed your criteria and agreed a plan, we’ll help you complete an engagement letter and contract to buy.

Then we find the most suitable property candidates and present you with the best options.

Although we have a 3-month buyers agent service engagement period, we’ll check in with you weekly for updates and to discuss options.

What you get with Capital Properties buyers agent service

We offer full buyers agent services to help you find the ideal property. No stress. Just results.

This includes:

  • Strategy development and practical advice.
  • ‘Wish list’ analysis to determine needs vs wants.
  • Relevant research reports including RPdata, Forecast Id and Council Site Maps.
  • A short-list of suitable properties.
  • Evaluation of recent sales data with written appraisal.
  • Skilled negotiation of property purchase price and terms.
  • Liaison with mortgage broker and settlement agent to effect finance approval/settlement.
  • Pre-settlement inspections.
  • Overseeing contracts and exchange.
  • Asset/property management/leasing
  • Due diligence management: building and pest inspections, surveys, and engineering reports

What is a buyers agent?

Buyers agents are licensed professionals who specialise in locating, evaluating, and negotiating the purchase of property on behalf of buyers. They do not sell real estate. They are engaged independently and paid for by the buyer to act on their behalf. Whereas a selling agent can accept a commission from both parties in the same transaction, a buyers agent can only legally act for the buyer.

Benefits of using a buyers agent service

Get the edge in a competitive market. Having your own property professional representing your interests throughout the purchasing process saves you:


  • Your property professional will search for and analyse property on your behalf.
  • Buyers agents have access to databases and information not readily available to the public, including off market opportunities.


  • You can rely on your buyers agent to source the correct property, in the right location, with better prospects for capital growth and/or rental yield.
  • A buyers agent will negotiate to obtain the very best price and terms.


  • You’ll have one dedicated representative looking after your needs, rather than having to deal with several different selling agents.
  • Experienced buyers agent services will make sure you avoid any property pitfalls.

To get started now, call us on 1300 653 352 or fill out the contact form and we’ll get back to you ASAP.

Old or new build? How to decide what’s best for you

In this blog, Capital Properties experts tackle the question: Should I invest in an old property or buy new?” Finding the balance is essential for great long-term outcomes. Our mission is to help you become empowered to make a smart investment decision.

Deciding whether to invest in an established property or a new build can be a tough one. You need to think about finding a good balance between the lot size and what property improvements can be made. A great place to start is to consider the pros and cons of each – which should make your decision easier.

Need help developing a property investment strategy tailored to your Defence lifestyle? The team at Capital Properties work with busy ADF members to invest in long term goals. Our Capital Properties Investor Tools and Apps will help you make informed decisions about whether to invest in an old property or buy new. Download the first chapter of Property Investment SOP for free.

Or come and meet us at a free Capital Properties Discovery Session where we can discuss what might be the best move depending on your individual circumstances.

On the go? Here’s 30 seconds of take outs:

  • Considering rentability, land value and long-term goals can help you decide whether to invest in an old property or buy new.
  • Location is always a major consideration.
  • You need to identify what tenants you want to attract.
  • New developments tend to have bigger houses on smaller blocks and attract better tenants. While established properties can provide better land value for long-term investment strategies.
  • Talk to the experts to get the best deal – Capital Properties Buyers Agent Service can help.
  • There are pros and cons to both new builds and established properties. Capital Properties can help you consider all the factors to decide what’s right for you.

Keep reading >>

Design and layout vs size and rentability

To a large extent, the design and layout of a home will determine the type of tenants you’ll attract. And we know that if your property can attract good tenants, half the battle is won.

Think about it; an older property, even 7 – 15 years old (or even older) can feel dated and need general repairs and improvements. But it might be located on a large parcel of land.

Because of the land value, this property may be the same price as a newer, bigger property in a newer area with a smaller block. New developments generally have smaller blocks, although the footprint of the build tends to be larger. So, with new builds, you can get you a good-sized house needing no improvements on a smaller parcel of land.

The investment in the older property is in the ‘land value’ vs the ‘building value’. So, let’s see what other factors influence the property investment strategy about whether to invest in an old property or buy new.

Location matters

The other half of the battle is getting the right location – yup, there’s that location, location, location again! Whether it’s a small block or large, the location and its desirability is the very foundation of supply and demand.

The location is inherently linked to the future value of the land. People will always pay a premium for a well-located block of land, no matter the size.

There’s a general idea that bigger blocks are better. But the challenge is to find a balance between where you spend your money – land or improvement.

Depending on what you want to do with your investment property, there’s an argument to support both sides of the story. Thus, begins and ends the great contention between investors.

What do tenants want?

In the modern world, people seem to be busier than ever. And for most families where both Mum and Dad work, they’ll be looking for a property that’s convenient and easy to maintain. That often means a smaller block with a modern house.

However, some families will prioritise outdoor spaces with large gardens to kick the footy around and even a pool. Knowing who your target renters are is key.

When doing your research, you might come across a suburb with bigger blocks. These can be in urban areas where it is typically well-established, and the house may have been constructed some time ago.

What is the ultimate goal? Cash flow or redevelopment?

With any investment you need consider two key factors. That’s capital growth = location.  And cashflow = accommodation.

Finding a balance between both is the challenge. And that mean’s getting comfortable with the decision whether to invest in an old property or buy new to make a smart investment decision.

You could invest in an area where there are larger parcels of land, where the accommodation might be smaller. Investing in ‘land value’ is a great strategy if you plan to redevelop at a later stage. Keep in mind that rental cash flow could be challenging due to the tenants attracted to this type of property.

Lots of the newer type developments have smaller blocks, hence the land size is more affordable. But generally, you’re able to build a bigger house with the estate covenants and land coverage ratios.

It’s always a more comfortable situation when you can control your property investment decisions. For example, being immersed in the design process so you know you’re building quality accommodation that caters for your target tenants. And being comfortable with the growth potential of the specific area that you’re investing in. That’s why house and land packages can work quite well for long-term investment strategies.

But there are many ways to skin the cat (honestly, who came up with this saying!?) when it comes to investing your money in real estate. We’re down with any strategy that’s simple and will achieve your goals.

Strategy development – Pros & Cons of investing in a new property


  • Cash flow is typically better
  • Tax deductions are higher
  • Maintenance costs are lower
  • Often easier to manage when overseas
  • Can control the design process
  • Attract the ideal tenant
  • Build in the best location you can afford
  • Can be a smoother investment
  • Fix price build contract
  • Guaranteed build timeline
  • Interest during construction is tax deductable
  • Turnkey / rent ready once construction is completed
  • Reduction in stamp duty (Land only)
  • Initial deposit and cost outlay less


  • Building can be expensive
  • Delays can happen and costs can escalate
  • Interest during construction
  • No rent straight away
  • Not all builds are turnkey / rent ready
  • Extra / hidden costs if not fixed price
  • Increased construction costs and trade shortages in recent years might mean building stalls
  • Risk of builder going into liquidation

Pros & Cons of investing in an established property


  • Purchasing price might be more flexible if sellers keen to sell – Capital Properties Buyers Agent Service can help with these negotiations to get you the best deal.
  • Can rent straight away
  • Typically attracts families which can be a more stable tenant
  • Won’t usually require major works
  • Fewer hidden costs
  • Expenses, e.g. new appliances are tax deductable
  • Established areas often means easy access to amenities and results in high growth potential
  • Value-add redevelopment potential with subdivisions and renovations.


  • Typically, older buildings = higher maintenance costs
  • More maintenance = more demands from tenants
  • May need to budget for cosmetic renovations
  • Tax benefits may be less than new property

So, what’s the decision – invest in an old property or buy new? Still sitting on the fence? That’s OK, we can help you decide which scenario best suits you. Book into our free Discovery Session and we’ll explore your goals and discuss property investment possibilities and guide you to make a smart investment decision based on your current Defence pay rate and lifestyle.

Check out our FREE investor tools: Sign Up to Our Switched-on Property Investors Program | Your free online property investment toolkit

Australian Prudential Regulation Authority (APRA) are changing the debt servicing calculator which means you can potentially borrow more from the bank. Previously banks had to assess you at a higher rate which allowed for a buffer (7.25% interest rate), now they are not bound by that and the banks have the discretion around this. It means you could borrow a heck of a lot more – up to 20%-25%.

Find out how you can benefit from these changes here. 

‘Outside of CBA this is the first major bank that has allowed I/O repayments > 80% for the past 18 months. It’s a good sign that the banks are slowly relaxing their lending criteria’ – Chris Raymond –  Investment Lending Specialist

ANZ Media Release:

Effective Monday 25th March 2019, ANZ will be making the following changes to Residential Investor Interest only lending.

  • Interest only availability for investment lending will be increased to a maximum 90% LVR for new and increased lending.
  • The maximum interest only period will be increased to 10 years for investment lending.
    Why are we making these changes? 
  • In response to APRAs responsible lending guidance in 2017, ANZ made a series of policy changes to manage the growth in Interest Only (IO) and Investor lending.

On recent review, we have made a decision to increase our focus on the investor market. The upcoming changes demonstrate our continued appetite in the investor market, whilst ensuring we remain in line with our APRA requirements.


Should I buy a house to live in [PPR] or invest in?

We’re often asked what the best scenario is for Australian Defence Members is – should you buy a house to live in (aka; permanent place of residence [PPR]), or choose a property to invest in – and does it really matter either way?

This is a valid question. The two scenarios of borrowing to buy a house to live in or invest in a property are miles apart. As a long-term, wealth-building strategy, we often recommend that first home buyers should consider investing in property as an option worth weighing up. Let us show you some numbers, and you can decide for yourself.

If you’re wondering whether it’s best buy a house to live in or invest in, then come along to a free Capital Properties Discovery Sessionand we’ll help you work through the best scenario for your position.

As ex-ADF members ourselves and with 20+ years in property investment, we can point you in the right direction, empowering you every step of the way.

On the go? Here’s 30 seconds of take outs:

  • There are some great home buyer incentives for Australian Defence Force members. And with the ADF rent allowance incentive, investing in one area and renting in another may be a better choice to support your lifestyle goals in the future.
  • At Capital Properties we won’t to tell you whether to buy a house to live in or invest in. Our aim is to help you make the decision that’s best for you and that comes down to understanding the numbers. The numbers tell the story.
  • Don’t make decisions based on dangled carrots. Work out how many carrots you can pop into storage in the medium and long term before you jump at an incentive to buy property.

Keep Reading >>>

Home versus investment?

In a wealthy country like Australia, home ownership is a popular aspiration. At the same time, we know that property investment can turn a disposable income into a secure financial future.

If you’re earning a secure income for the longer term, you could buy a house to live in or start investing in property. With your future lifestyle goals set, and a healthy savings plan in place this choice can pose a real dilemma.

The two questions you need to consider are:

  1. How much money do you need to buy the property?
  2. What are the ongoing costs of holding the property over the long term?

Knowledge is power when it comes to making smart decisions. Let’s explore both of these options further.

The costs of being a first homeowner

In investment and financial speak, your Principal Place of Residence (PPR) is the property that you live in and call home. Buying a PPR means you’ll incur ‘holding costs’ – i.e. the outgoings and expenses associated with getting a mortgage and maintain the property.

Your PPR commits you to principal and interest repayments on your home loan, maintenance and renovation costs, insurances, rates and all the other day-to-day expenses associated with owning property. And funding all these outgoings? After tax. Youch.

If you buy a house to live in, the holding costs of living in the residential property you’ve borrowed money for, are much higher than if you buy a residential property as an investment.

The holding costs of investing in a residential property

A residential property that you have purchased as an investment commits you to interest only repayments on your loan, as well as the outgoing costs such as maintenance and renovation costs, insurances, rates and all the other day to day expenses associated with owning property.

The difference is that with an investment property, you’ll be receiving rental income which reduces your taxable income. And your loan repayments are more likely to be interest only which is a lower commitment from your fortnightly cash flow.

That’s just the beginning. If you’re in the Australian Defence Force, you might decide to buy a house to live in a location you’ve been posted to. However, it may not be where you would choose to live otherwise. And it may not be a wise long-term investment.

Let’s take a closer look at that scenario.

Buying a home as an ADF member

As an incentive and thanks for your commitment to the Australian Defence, the ADF offers its members housing benefits. These incentives can be attractive in the short term but is buying a PPR as your first property in your best interest for the future?

We often chat with young Defence members who get seduced into using their property defence entitlements to buy into the locality they’ve been posted. Building a serviceable home with some of the trimmings. One problem with this is the posting location might not offer much in terms of long-term market growth and if you’re reposted elsewhere, the rental returns might not be great either.

We understand the appeal of wanting to jump in and buy a house to live in when you feel cashed up.  But buying a PPR means loading up with bad debt. Bad debt is any debt that you pay interest on and won’t reduce your taxable income.  That’s why it’s our mission to interrupt your flow of immediate term thinking and show you a more strategic, streamlined way. A way of setting yourself up with more freedom of choice in the long run.

Our goal is to help you maximise your ability to invest and grow your personal wealth. We’re not going to tell you – we’d rather show you. So, let’s explore the numbers.

Costs of buying your first home (PPR) with incentives

Read on for a breakdown of costs associated with buying your first PPR and learn how Defence Force members can use Government grants to help. We’ll look at the First Home Owner Grant (FHOG) in Victoria and FHOG in New South Wales and examine the Defence Force Residence Exemptions.

Imagine you’ve just been given the heads up on your new posting. You could use your Home Purchase Assistance Scheme (HPAS) or your Defence Home Ownership Assistance Scheme (DHOAS) in conjunction with the First Home Owners Grant (FHOG) to purchase a property in your new digs. We talk more about these grants in the post: “Buying a house while in the Defence Force”.

The whole idea is enticing. Imagine that you buy a house to live in with stone benchtops, new appliances and maybe even a glistening new pool to entertain all your oppos! Sounds good right? But is it the right decision for the long-term?

Here are some numbers. 

Buy a house to live in or invest in a rental property

* Figures were correct at the time of publishing this article (January 2023)

**After tax @ $80,000 p/a income 

Looks great right?! And repayments are achievable, although with the current higher interest rates you might feel a bit of a pinch.

Cons of buying a house to live in [PPR] versus invest in

Let’s switch back to reality for a moment. This isn’t your dream home in your ideal location. Sure, you’ll buy a house to live in for now, and then maybe you’ll turn it into an investment property once you’ve seen this new posting out.

As a homeowner, you’ll be paying principal and interest repayments on a mortgage.  You’ll also need to pay the property’s outgoings including the water rates, the council rates, insurances, and upkeep of the property – this can be a significant hit on your fortnightly cash flow. It will change the way you live because you’ll need to tighten up.

Buying a PPR might be okay while interest rates are low but it’s a different matter when the interest rates are as high as they are right now.

Here are some of the numbers.

Calculate cash flow impacts based on the holding costs of a PPR

Calculate cash flow impacts based on the holding costs of a PPR

Purchase price – 10% deposit – Defence benefits [FHOG + HPAS] <<Need to update these costs?>>

That’s a total of over $30K to fork out each year, after tax – around $600 out of your pocket each week. You’ve just dropped your disposable income. With extra expenses to cover, your ability to borrow for a loan to start or grow your property investment portfolio diminishes. And if you buy a house to live in, there are no tax breaks.

Also, if the locality you’re being posted to isn’t a great property investment area you’ll kick yourself that you didn’t choose a better area to invest in.

An option may be to hold off buying your PPR for now, and rent. Keep your Defence entitlements and invest in a purpose-built investment property in a major capital city with good property investment criteria. There are localities where the rental income returns are attractive in the short and longer term; and the capital growth is healthy.

Rent allowance - the financial incentive that puts cash back in your pocket

Here’s a summary based on the current Defence rent allowance. Below is a worked example (along with the previous one) of how you could cut your ~$600 per week housing costs to ~$230 per week.  That’s an extra $370 every week back into your cash flow.

Rent allowance is a financial incentive that will put cash back in your pocket

Breaking down the costs of buying an investment property first

Consider this option. Take the extra cash freed up through using your rent allowance incentive and invest in property in a research-driven way.

Leverage your deposit and your income into an investment property in a major capital city with sustained population growth. Research to find a locality that gives you a good supply and demand mismatch for the long-term. This will increase your investment roughly between 5 to 8% per annum and gives you great tax breaks. The property will be an income producing asset which can, in turn, increase your borrowing capacity so you can continue to grow your asset base.

Why not save your Defence entitlements until you work out where it is that you really want to live for the longer term? Invest in a residential property, and simply rent now with the goal of buying your dream home.

Think of it like take-away food. It’s convenient in the moment, but it won’t deliver long-term health benefits! With a long-term view, crunching the numbers on the holding costs of an investment property is a completely different scenario from buying a PPR.

By investing in a property, you’ll receive a rental income and claim tax benefits – two sources of income!

When re-working the example of the $450,000 property we used in the PPR scenario, you’ll quickly see the ongoing holding costs are considerably lower.

Calculate cash flow impacts based on holding costs of an investment property

*Please use as an example only

** Purchase price – 12% deposit [$54,000]

So, instead of costing you an additional $600 per week – you’d put $85 back in your pocket weekly! And this worked example doesn’t cover the capital growth that’s happening from year to year, that you can then leverage to borrow for your next investment property.

Buying a property for investment first will enable you to continue your savings plan and leverage into your next property in a couple of years.

And, if the interest rates go up so do your tax breaks, and you can put your rents up too.

Show don’t tell. We’ll let you decide which is the better option!

If you’d like help exploring how the numbers stack up for your personal situation, we’d be happy to help. Give us a call, or click on the Capital Properties links below to find out more: Schedule a Free Discovery Session | Property Investor Workshops

While you’re here, check out our industry-leading property investor tools and apps.

Homes for Heroes – Help for Vets in Need  

By ordering Property Investment SOPs you’re helping transform homeless ex-service families’ lives.

By buying this book, you’re helping young ex-service people and their families’ move from homelessness back into civilian life. 

Pre-Order Property Investment SOP here.

Shamefully, there are over 3,000 men and women who defended your and my home, only to face into homelessness in the challenging transition from discharge to civilian life.

We want to change this.

We aim to be a part of the solution by giving 100% of the proceeds of the sale of this book to Narrabeen RSL LifeCare and their incredible Homes for Heroes program (rsllifecare.org.au/young-veterans).

 You’ve just joined the Capital Properties’ mission to fulfil an important calling.

Can you even imagine what it’s like to have no home? Sadly, homeless war veterans are getting younger and younger.

The Homes for Heroes program is getting young Australian war veterans back on the road to recovery from post traumatic stress disorder. The Program is achieving this by providing accommodation options and a whole range of support services to help homeless ex-service people return from living off the streets, back into society.

Congratulations. You’ve just got personally involved in a cause which touches all members of the Australian Defence Force – current and past. Your payment for this book will help fund much needed special support programs and service to help ease the shift from discharge, to civvy street.

You can help raise awareness and transform lives for the better.

Please help raise awareness by jumping onto your favourite social media and tagging:

I support #Homes4Heroes https://rsllifecare.org.au/young-veterans/

Hop onto Facebook and ‘Like’ and then ‘Share’ the Facebook page and ask friends to do the same:


Help is at hand if you need it right now.

If you’re in an emergency situation, please call Homes for Heroes on 0408 928 432 right now.

Thank you endlessly.

We would like to take this opportunity to acknowledge the strength, courage and dedication of all our Australian service men and women in defending our homes. Thank you. Thank you. Thank you.

Please make your enquiries to [email protected] | www.capitalproperties.com.au/Contact with the subject line: Property Investment SOP, Pre-Order.  

Pre-Order Property Investment SOP here.  

Kindest regards from all of the Capital Properties’ team.


Great news the Capital Properties Team is doing a road trip to Perth and would love you to join us at our exclusive investor evening.
Whether you are already an investor or just thinking about entering the market, this is the event for you.
– find out where the investment opportunities are in the Perth market.
– learn how to successfully invest interstate.
– discover how Mum & Dad can help you invest in Perth if your deposit isn’t quite there.
– unlock expert assistance with property management.
It’s a new financial year and a good time to think about your financial future and perhaps evaluate the goals you’ve set for yourself in 2017.

Enquires are to be directed to [email protected] | 02 92229444

Capital Properties

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