Learning how to invest in real estate in Queensland can feel like a big step, but with the right approach, it’s a smart way to build wealth. The market is buzzing, with property values climbing, rental demand at an all-time high, and major developments transforming key areas.
With a strong economy and a lifestyle that attracts renters and buyers alike, now is the perfect time to get started.
Of course, financing plays a huge role in any property journey. That’s where the brokers at Zest Mortgage Solutions come in. They’ll help you navigate loan options, boost your borrowing power, and take the stress out of the lending process so you can focus on finding the right investment.
Let’s dive into the best practices for investing in Queensland’s real estate to start building your wealth!
Why Invest in Real Estate in Queensland?
Queensland’s real estate market remains a top choice for investors, thanks to rising property values, strong rental demand, and major infrastructure projects. Whether you're after capital growth, rental yield, or long-term wealth, the state offers plenty of opportunities.
Booming Property Market
Queensland’s property market has seen steady price growth, especially in Brisbane and coastal regions. As of early 2024, Brisbane’s median house price is $850,000, up 6.3% year-on-year. Unit prices have also surged by 8.1%, driven by affordability and demand.
For 2025, property analysts predict continued growth of 5-7%, fueled by population increases and housing shortages.
Key Economic Drivers
- Population Growth – Queensland gained over 100,000 new residents in 2023, the highest of any Australian state.
- Infrastructure Boom – Projects like Brisbane Metro, Cross River Rail, and 2032 Olympics preparations are set to drive demand.
- Rental Market Strength – Brisbane’s vacancy rate is at a record low of 0.8%, pushing rental prices up 11% year-on-year.
Investment Benefits
- High rental yields – Brisbane houses 4.5%, units 5.3%.
- Continued growth – Experts forecast strong capital growth into 2025.
- Lifestyle appeal – A thriving economy, desirable climate, and job opportunities attract both buyers and renters.
With Queensland’s property values on the rise and rental demand outpacing supply, now is a prime time to start or expand your real estate investment journey.
Sources: SQM Research, CoreLogic, ABS Population Data
Steps on How to Invest in Real Estate in Queensland
Investing in real estate isn’t just about buying a property—it’s about making smart decisions that align with your financial goals. Whether you’re a first-time investor or expanding your portfolio, following a clear strategy will help you avoid costly mistakes and maximise your returns.
Here’s how to do it:
#1 Define Your Investment Goals
Before diving in, decide what you want from your investment. Are you aiming for capital growth, rental income, or flipping a property for profit? Your strategy will influence where and what you buy.
💡 Tip: If you’re after steady rental income, look at high-demand areas like Brisbane, the Gold Coast, or regional hubs with strong population growth.
#2 Understand Your Borrowing Power
Your borrowing capacity determines how much you can afford to invest. Lenders assess income, expenses, credit score, and existing debt before approving a loan. A mortgage broker can help compare loan options to maximise your borrowing power.
💡 Tip: Keep your credit score healthy and minimise unnecessary debts before applying for an investment home loan.
#3 Research the Queensland Property Market
Queensland’s property market varies by location, with Brisbane, coastal suburbs, and regional towns offering different advantages. Look at property values, rental demand, infrastructure projects, and economic growth in each area.
💡 Tip: Use real-time data from CoreLogic, SQM Research, or Realestate.com.au to track property trends and vacancy rates.
#4 Choose the Right Location
Not all suburbs perform the same. Areas with strong demand, good transport links, and proximity to amenities tend to grow in value. Coastal areas like Sunshine Coast attract lifestyle buyers, while Brisbane Metro has strong rental demand.
💡 Tip: Look for suburbs with low vacancy rates and high rental demand to ensure consistent rental income.
#5 Select the Right Property Type
Decide between houses, apartments, townhouses, or commercial properties. Houses often have better long-term capital growth, while apartments can offer higher rental yields in metro areas.
💡 Tip: Consider body corporate fees for apartments and factor in ongoing maintenance costs for houses.
#6 Calculate Costs and Budget Wisely
Beyond the purchase price, factor in stamp duty, conveyancing fees, legal costs, insurance, and property management fees. Ongoing costs like rates, maintenance, and potential vacancy periods should also be accounted for.
💡 Tip: Use the QLD government stamp duty calculator to estimate upfront costs before committing.
#7 Secure Financing with the Right Loan
Compare different investment home loans, including fixed vs. variable rates and interest-only options. A mortgage broker can help tailor financing to suit your investment goals.
💡 Tip: Look for loans with competitive interest rates and flexible repayment options to maximise cash flow.
#8 Conduct Thorough Property Inspections
Before purchasing, arrange building and pest inspections to avoid hidden issues. For off-the-plan properties, review the developer’s track record.
💡 Tip: A good real estate agent can help negotiate a better price based on inspection findings.
#9 Understand Legal and Tax Implications
Queensland has specific property taxes, stamp duty, and land tax rules. Also, consider whether negative gearing or depreciation tax benefits apply to your investment.
💡 Tip: Consult a tax specialist to maximise deductions and avoid unexpected costs.
#10 Hire a Property Manager or Self-Manage?
A property manager handles tenant screening, maintenance, and compliance but charges a management fee (usually 7-10% of rental income). Self-managing can save money but requires time and effort.
💡 Tip: If you’re investing remotely, a property manager is highly recommended to handle day-to-day issues.
#11 Set Up a Long-Term Investment Strategy
Real estate is a long-term game. Monitor market trends, review rental rates, and consider reinvesting profits to expand your portfolio over time.
💡 Tip: Keep an eye on future developments and infrastructure projects, as these can boost property values in key areas.
By following these steps, you’ll navigate Queensland’s real estate market with confidence and set yourself up for a successful investment journey.
Ready to invest in Queensland real estate? Get expert mortgage advice from Zest Mortgage Solutions. Call (07) 3461 6499 or visit Zest Mortgage Solutions today!
Best Locations in Queensland to Invest in Real Estate
Choosing the right location is key to capital growth and rental returns. Whether you want city convenience, coastal appeal, or regional affordability, these areas stand out for investors in 2025.
Brisbane – Strong Growth & High Rental Demand
Brisbane’s market is booming, driven by major projects like Cross River Rail, Brisbane Metro, and the 2032 Olympics. House prices average $850,000, with unit prices up 8.1% year-on-year. Vacancy rates are at a record low of 0.8%, keeping rental demand high.
Gold Coast – High Rental Yields & Coastal Growth
The Gold Coast is a top investment spot, with rental yields of 5-6% and steady property price growth. Demand remains strong from tourists, long-term renters, and remote workers.
Sunshine Coast – Fast-Growing Coastal Market
This region is seeing rapid growth, thanks to projects like the Maroochydore CBD development and Sunshine Coast Airport expansion. Vacancy rates are below 1%, keeping rental demand high.
Toowoomba – Affordable with High Rental Yields
With rental yields over 5% and lower property prices, Toowoomba is a great option for budget-conscious investors. Job growth and infrastructure upgrades, including the Wellcamp Airport expansion, are driving demand.
Hervey Bay – Regional Investment Gem
Hervey Bay remains one of the most affordable regional options, with median house prices under $600,000 and strong rental demand from retirees and sea-changers.
Sources: SQM Research, CoreLogic, Realestate.com.au
Explore our other articles for top-recommended locations for investment buyers or homebuyers:
Queensland’s Top 10 Locations for Investment Buyers
Top 5 Brisbane Suburbs for First-Time Investment Property Buyers
10 Best Suburbs for Families in Brisbane
Commercial Property Brisbane: Top 8 Emerging Suburban Investment Hotspots
Top 12 Brisbane Suburbs with High Rental Yields
How to Build Wealth Through Real Estate
Real estate isn’t just about owning property—it’s about making smart moves that grow your wealth over time. Whether you’re starting with one investment or building a portfolio, these strategies can help maximise your returns.
- Leverage Equity to Expand Your Portfolio: As your property’s value increases, you can borrow against the equity to buy additional properties, accelerating your portfolio growth.
- Focus on Long-Term Capital Growth: Invest in areas with strong demand, infrastructure upgrades, and future development plans to ensure steady price increases.
- Maximise Rental Income for Cash Flow: Choose high-yield properties in strong rental markets to generate consistent rental income and cover mortgage costs.
- Reinvest Profits & Reduce Costs: Use rental income and tax benefits to reinvest in renovations or new properties while keeping expenses low.
- Diversify Your Property Portfolio: Balance residential, commercial, and regional investments to spread risk and create multiple income streams.
With the right strategy and expert guidance, real estate can be a powerful tool for long-term wealth creation.
Start building your wealth through real estate today! Get expert loan advice from Zest Mortgage Solutions—call (07) 3461 6499 or visit Zest Mortgage Solutions now!
FAQs
Is Queensland property a good investment?
Yes, Queensland offers strong growth potential with affordable property prices, increasing demand for property, and steady rental returns. The real estate landscape is thriving, with property increases expected due to major infrastructure projects and population growth.
What is the best way to start investing in real estate?
A strategic approach is key—start with a clear property search, define your property goals, and research areas with future growth and high rental demand. Working with a mortgage broker for financial advice can help secure the right loan and maximise your return on investment.
How much deposit do you need for an investment property in QLD?
Typically, you need a 20% deposit for residential property investments, but some lenders allow a lower deposit with Lenders Mortgage Insurance (LMI). Speaking with a mortgage broker ensures you understand your entry price, loan options, and any additional costs in the settlement process.
Where is the best place to invest in property in Queensland?
Brisbane, especially Brisbane CBD and metro suburbs, offers high growth in property values and strong rental properties demand. Coastal areas like the Gold Coast and Sunshine Coast attract investors with their beautiful beaches, laid-back lifestyle, and high tourism-driven rental yields.
What are the types of loans brokers can help with for real estate investment?
Brokers provide in-depth knowledge on investment home loans, interest-only loans, and fixed vs. variable rate loans, helping investors choose the best option. They also assist with bridging loans, refinancing options, and leveraging equity to expand portfolios and increase potential returns.
How do I ensure strong returns on an investment property?
Focus on locations with a rising demand for property, low vacancy rates, and infrastructure developments that drive property increases. Choosing a property with high rental demand and future growth potential ensures a solid return on investment.
How long does the property purchase process take in Queensland?
The settlement process typically takes 30-60 days, depending on the contract terms and financing arrangements. Engaging real estate experts, mortgage brokers, and legal professionals early can help streamline the property purchase and avoid delays.
Final Thoughts
Investing in Queensland real estate in 2025 is a great opportunity to build long-term wealth. With strong market growth, high rental demand, and major infrastructure projects on the horizon, now is the time to take action. Whether you're looking for capital growth, rental income, or portfolio expansion, the right strategy can help you achieve your property goals.
Getting expert guidance can make all the difference. At Zest Mortgage Solutions, we offer a free consultation to help you find the best loan options and maximise your investment potential. Call (07) 3461 6499 or visit Zest Mortgage Solutions to get started today!
