Frequently Asked Questions

Frequently Asked Questions

Here are the questions our One Haven team are regularly asked. Remember, if you have any other queries, don’t hesitate to contact Hamish and the team! 

Individual investors, joint owners, a group of investors, a business or corporation and other legal entities can all own property:

Individuals Any person who is legally recognised as an adult can own property in their name.

Joint owners Multiple individuals can own a property together, such as a married couple who own a house to rent out, or business partners who get together to develop a property or site to increase its value.

Trusts Trusts can own property on behalf of beneficiaries, such as a group of designated family members.

Corporations Companies can own property in their name, either as an investment or for business purposes.

This is the short form answer (for all the benefits just ask our Head of Property, Hamish McIntosh!)

  • Tangible asset
  • Regular income
  • Appreciation in value
  • Tax benefits
  • Control and ability to improve
  • Inflation hedge
  • Diversification


Do you finally feel like you’re ready to get the ball rolling, but not sure where to start? Then you came to the right place! There are some steps you should definitely follow to successfully commence your property investment journey. And while property investing isn’t as hard as you might think…nor is it as simple! That being said, it’s important you ask the right questions and seek professional advice. At One Haven we have the experience and expertise to guide you through every step. So don’t wait, speak to our team and kickstart your journey today! 

While many experts suggest property buyers save for a deposit of 20of the price of a home, it is possible to enter the market with as little as 8%, plus money for costs. As an investor you’ll need a 12% deposit, plus costs. Additional funds may be needed as a buffer and to get the property into tip top rentable condition to maximise your return, and you’ll need a cash reserve to cope with emergency repairs and occupancy gaps. It takes careful planning, plenty of research, and help from experts like One Haven to buy the right property…and make it pay. 

If your cash is tied up in investments or equity and not readily accessible, there are still ways that can see you buy your next home sooner. You may be able to use a guarantee from your spouse or family (supported by a mortgage over their property or a term deposit) as equity to assist you with your purchase. Speak to us so we can help determine the best approach for you.

Yes, you can…but it’s important to get the right information when it comes to investing with your superannuation fund. You’ll need the advice of a financial planner and accountant, who are up to date with the latest information and licensed to provide you with specific advice (preferably one who is also experienced when it comes to investing in property). You need to understand the pros and cons before you start searching for just the right property for your situation. Just give us a call and we can put you in touch with some expert advisors to get you started today!

Yes! In fact this is a commonly used strategy to generate wealth through property. There are a few key factors to consider so it’s always prudent to speak to a financial planner and broker. The team at One Haven can not only find you the right property, but also put you in touch with the experts to provide you with trusted and timely advice when it comes to funding your purchase. 

Simply put, equity is the difference between the current value of your property and the amount you owe against it. For example, if your property is currently valued at $700,000 and your mortgage is $400,000, you have equity that you can potentially access. Equity usually takes time to build, but there are a few things you can do to ramp it up quickly. You can carry out renovations to boost the value of the property – a new kitchen or bathroom and a coat of paint could dramatically lift the value. Just make sure that you plan and budget well to avoid overspending and over capitalising – the team at One Haven can help with deciding if this is a worthwhile strategy. You can also look at making extra repayments to reduce your mortgage. The more you pay, the more equity you build in your property. 

For starters, if you’re on our website, it’s highly likely you have an interest and a passion for property! In addition, property investors also have the ability to gain leverage on their capital and take advantage of substantial tax benefits. Although real estate isn’t as liquid as the stock market, the long term cash flow provides passive income and the promise of appreciation, instead of the dramatic rises and falls (in the market and your blood pressure) associated with micro managing a share portfolio!

Absolutely! Outgoings against your investment property are a tax deduction, negative gearing is a deduction, and you can even claim depreciation benefits for tax (largely applicable to property purchased new and off the plan). Visit the Australian Taxation Office (ATO) website for more information and a complete list of deductions. It is also highly recommended that you speak to a financial planner expert in dealing with investment property regarding your personal situation and individual tax implications. Get in touch to make the most of our network of talented and responsive range of industry advisors.

It ultimately depends on what you’re looking for – capital growth, cash flow, a combination of both…or something else entirely. Finding just the right property in just the right place takes comprehensive research, to say the least! Property performance (assuming this is what you’re aiming for) is driven by many key drivers, including population growth, planned infrastructure, employment, education, migration, liveability, underlying supply and demand, vacancy rates, location, developer/builder quality, reputation and reliability…and much (much) more. 

Seeking assistance from One Haven speeds up this daunting part of the process, covering the research and analysis with ease, and ensuring you make the right decision and proceed with the right investment for your circumstances and goals. And it doesn’t hurt to have an extra pair of eyes making sure you make the right investment decision either!

It depends on your situation, what you’re looking for in a property and where you are in your wealth creation journey. If you’re buying a property to live in straight away, of course it makes sense to consider your own lifestyle preferences and plans when it comes to deciding between an apartment or a house. On the other hand, if you’re buying an investment property, it’s more important to consider the state of the property market and what tenants and buyers are looking for in your preferred area (in fact it may even make more sense to purchase in another state entirely!) At the end of the day, both property types have the capacity to perform well in your portfolio, and historical data shows that both opportunities perform in the market over time.

A townhouse is a type of residential building that is typically multi-storied and usually part of a row of similar buildings, with adjoining walls. While generally smaller in size than single-family homes, they offer more space than standard apartments. They are a popular option in urban areas where land is limited as they offer a more affordable alternative to larger house blocks, while still providing the privacy and independence of your own home.

A body corporate or owners corporation is an organisation responsible for managing the common areas and enforcing rules for units, apartments and medium-density housing where there is shared or communal property. If your property is part of a strata scheme or multi-unit residential property you will likely be liable for an owners corporation fee, also known as strata fee. This is a recurring fee that covers the costs of maintaining common areas, such as hallways, lifts, swimming pools and gardens, along with administrative expenses, insurance, and other costs associated with running the corporation. The fee is usually calculated based on the unit entitlement of each owner, which is a proportional representation of the unit’s size and usage of the common areas.

Subdivision is the process of dividing a piece of land into smaller plots or lots that can be sold as individual properties.
An infill development is a new residential development that occurs on small sites in established suburbs.

There are pros and cons for both, but it’s ultimately dependent on your long term strategy and goals. Are you looking for positive cashflow, tax deductions, growth or yield? Are you an owner occupier or investor? Are you buying for lifestyle? Are you looking to renovate (and increase the equity in your property)These and many more factors impact on whether you buy new or old. Establishing your goals and fitting them to your circumstances is important, and seeking professional advice is a key part of the planning and purchase process. 

In a word, yes. But you need to have a thorough understanding of key comparison factors like interest rates, the location of the investment, the type of property sought by renters and of course the relevant underlying investment data. Opportunities are there for the taking in any market, you just need to know where to look. And that’s why we work with you to establish your overall property investment goals first…and then go on to fulfil them!

Don’t hit the panic button or give up – it’s always worthwhile having a conversation with a professional first! We’ve seen clients who have come close to doubling their retirement funds in relatively narrow time frames, and who still continue to grow wealth in property beyond retirement. Having said that, working with a team of industry professionals who are across your plans and on your side is vital, as it’s crucial you’re crystal clear on your finance, your plan, your budget and strategy into (and beyond) retirement. Opportunity still exists, but a good team of advisors will make sure that your risk is carefully managed.

Because you have multiple rental income streams feeding into your monthly cash flow, owning more than one investment property means greater potential for passive income and increased income over time. But of course your ability to quickly grow your portfolio by purchasing more than one investment property at a time is dependent on your finance and wealth strategy, and these plans should be discussed with the right professionals before you start looking for a property (or properties)! Our wider partner network of mortgage brokers and financial advisors work closely and seamlessly with the team at One Haven, and together we can get your property portfolio growing safely and quickly.

It all depends on your own personal goals and timeline! In the long term it can be a lucrative investment strategy, especially in areas where property values are expected to appreciate or where rental demand is high.

When it comes to the short term, some investors employ a strategy know as ‘flipping’, which involves purchasing a property, remodelling or renovating it, and then selling it for a profit in a much shorter timeframe. This type of strategy tends to get a lot more media attention than the tried and true ‘buy and hold’ strategy.


Ideally yes. Creating wealth through property is a long term financial and wealth creation commitment, so unless circumstances in your life require you to sell then buying (and holding) property is a smart and proven strategy. The important overriding factor is buying the right property in the first place! And this is where Hamish and the team at One Haven can help you to make better, faster and safer decisions!

How much money you can borrow depends on a number of things: Your personal financial situation, the property you want to buy, the mortgage repayments you’re comfortable with and the quality of advice you receive from professionalsMost of all, it’s important you’re comfortable with the amount you’re borrowingand that you can make the necessary repayments. If you’re ready to take the next step to determine your borrowing power, take a quick look at this helpful home loan borrowing calculator from one of our expert partnersRemember, everyone‘s situation is different, so meet with a mortgage broker and go through a complete assessment to accurately determine your borrowing capacity. Speak to us so we can put you on the path to connecting with the right mortgage for your circumstances…while we find your perfect property at the same time!

Dealing with “your bank” , or indeed any bank directly, limits you to their small range of policies and interest rates – which probably won’t be the most competitive in the market, or even the best fit for your overall requirements. On the other hand, mortgage brokers have access to multiple competing lenders, and after discussing your needs will put you with the right lender for your circumstances. If you want to gain access to a team of expert mortgage brokers with a great range of options and advice, reach out to One Haven and we can put you in touch with the right advisors…so you can obtain the best overall financial result. 

Loan to Value Ratio (LVR) is a lending risk assessment ratio used by financial institutions and other lenders to assist them in determining risk when assessing a mortgage application. It represents the ratio of the loan amount to the appraised value of the property being purchased, expressed as a percentage. For example, if the property being purchased is valued at $500,000, and you need to borrow $400,000 to pay for it, the loan is worth 80% of the property value, meaning your LVR is 80 per cent. Generally speaking, the higher the LVR, the less equity the borrower holds in the property and the higher the higher the perceived risk to the lender. To mitigate this risk, lenders may require a larger deposit, a higher interest rate, or lenders mortgage insurance (LMI).

Lenders Mortgage Insurance (LMI) is insurance that protects the bank or lender in case the borrower can’t pay their residential mortgage. It’s usually paid by borrowers who have an LVR higher than 80 per cent (that is, borrowers with a deposit of less than 20 per cent).

The clearance rate refers to the percentage of properties successfully sold at auction over a given timeframe in a defined location. It can be used as an indicator of market sentiment and performance of the real estate market. A high clearance rate can indicate a strong demand for properties and a robust market, while a low clearance rate suggests that there could be a surplus of properties available or a lack of buyer confidence. The clearance rate varies greatly depending on the location, type of property and can also reflect the state of the overall economy.

The median price in real estate refers to the midpoint price of a given set of properties. It is calculated by arranging all the properties in order of price from highest to lowest, and then finding the one that sits exactly in the middle – that is, where half of the sales are of lower value and half are of a higher value. If the number of properties in the set is even, the median price is the average of the two properties that are in the middle. It is a useful measure for determining the typical price of a property in a certain area, because it isn’t affected by outliers (very high or very low prices) in the same way that an average price can be. However, it’s important to note that median price only gives a general idea of the typical property price, and may not be representative of the price of a specific property.

The vacancy rate is a metric used to measure the percentage of available rental properties that are unoccupied at a given time. A higher vacancy rate indicates a weaker demand for rental properties in a given area, while a lower vacancy rate suggests a stronger demand and a tighter rental market. The vacancy rate is often used by landlords, investors and real estate analysts to assess the health of a particular housing market to make informed decisions about buying, selling or renting properties.

A capital gain represents the profit made from the sale of an investment, calculated by subtracting the original purchase price (the cost basis) from the sale price of the asset (if the sale price is less than the cost basis, the result is a capital loss). It’s important to keep track of your capital gains and losses, as they can have a significant impact on your overall financial situation and tax liability.

Also known as the ‘Vendor’s Statement’, the Section 32 is a document disclosing any matters that affect the sale of land, such as building permits, mortgage particulars, description of any easements, covenants or other restrictions, land zoning and electricity, gas, water, sewerage and telephone service details. It’s usually prepared by the vendor’s solicitor or conveyancer and must be available to potential purchasers separately and as part of the contract of sale.

A property easement is a legally binding agreement that grants one party the right to use another party’s property for a specific purpose. An easement allows the holder of the easement to use the property in a specific way, such as for access, utilities, or even conservation purposes, while the property owner retains ownership of the land. Easements can be either permanent or temporary, and they can be granted in perpetuity, meaning they remain in effect even if the property is sold to a new owner. For example, under a right-of-way easement, an owner may be able to use a portion of their neighbour’s property to access their own property, even though the neighbour retains ownership of the land used as access. Or, if a property has a utility easement, a utility company may be granted the right to install and maintain power lines, pipes or other utility infrastructure on the property.

Gross rental yield is a percentage used to express the return on a property investment. It is calculated by dividing the yearly rental income by the value of the property. For example, if a property is worth $500,000 and its annual rent is $25,000, the gross rental yield is $15,000 divided by $500,000 x 100, resulting in a gross rental yield of three per cent.

Ask Hamish

Any question even remotely related to property investment is a great question as far as passionate property investor Hamish McIntosh is concerned!