As the year ends, it's time for a strategic review of your property investment portfolio. This guide provides five critical questions every Gold Coast investor should ask about their loans, equity, and cash flow. Use this checklist to review your performance in 2025 and create a powerful financial strategy for 2026.
With the end of the year approaching, savvy property investors on the Gold Coast are doing more than just planning their holidays; they're conducting a strategic review of their investment portfolio.
An annual health check of your properties and their finances is essential for maximising your returns and setting yourself up for growth in the new year. Here are the five critical questions you should be asking your expert team.
1. Is My Interest Rate Still Competitive? This is the number one question. If you haven't reviewed your investment loans in the last 12 months, you are almost certainly paying too much. A quick refinance could improve your cash flow instantly.
2. Is My Loan Structure Optimal for Tax? Are your investment loans correctly separated from your personal debt? Are you making strategic use of offset accounts? A chat with your broker and accountant can ensure your structure is working as hard as possible to maximise your tax deductions.
3. Do I Have Usable Equity to Access? With the growth in Gold Coast property values, you are likely sitting on a significant amount of usable equity. Have you had this calculated? This equity is the key to funding your next investment purchase.
4. Is My Cash Flow as Strong as It Could Be? Between your rental income and your loan repayments, is your portfolio cash-flow positive, neutral, or negative? A detailed review might identify opportunities to improve your position through refinancing or restructuring.
5. What is My Big Goal for 2026? Are you planning to buy another property, sell one, or simply consolidate and save? Knowing your goal for the year ahead allows us to create the right finance strategy to make it happen.
Don't wait until the new year. A proactive review now is the key to a more profitable 2026.
Helpful links.
Ready to get started?
Start applicationLet’s chat today to find the right solution for you.
Let’s chat today and find the right solution for you. Whether you’re buying your first home, expanding your business, or upgrading your vehicle, Maxine and the Max Rich Brokerage team provide expert, obligation-free guidance across the Gold Coast, Logan, Brisbane, and the Scenic Rim, tailored to your goals.
Related articles that may interest you
Boost Your Bottom Line: 3 Investments to Supercharge Your Gold Coast SME's Productivity
Looking to make your Gold Coast business more efficient and profitable? This guide outlines three key investments that can supercharge your productivity. Learn how upgrading your technology, investing in new equipment, and improving your workspace can boost your bottom line, and how smart finance can make it happen.
The Investor's End-of-Year Review: 5 Questions to Ask About Your Gold Coast Portfolio
As the year ends, it's time for a strategic review of your property investment portfolio. This guide provides five critical questions every Gold Coast investor should ask about their loans, equity, and cash flow. Use this checklist to review your performance in 2025 and create a powerful financial strategy for 2026.
Airbnb vs. Long-Term Rental: A Gold Coast Investor's Dilemma
For a Gold Coast property investor, what's the better strategy: a high-yield Airbnb or a stable long-term lease? This guide breaks down the pros and cons of each approach. We analyse the income potential versus the effort required and explain the crucial, often-overlooked difference in how lenders view the income from each strategy when assessing you for a loan.