Property Investment Advice to grow and protect your wealth.
At LINK, we help you decide if property investment is the right step for your financial journey. Property is a powerful asset, but it should never sit in isolation. It needs to work as part of your bigger wealth strategy.
We take the time to review your financial position and show you where property fits in. The goal is to make sure your investments are balanced, affordable, and aligned with both your short-term lifestyle and long-term wealth goals. For some people, property can deliver strong growth and diversification.
For others, it may create unnecessary risks or cash-flow strain. Our job is to give you clear, tailored advice so you can make confident, informed choices.
Book your free discovery meeting to get started.
We’ll be in touch within a few business hours to set up a time.

The Essentials of Property Investment
Investment property: pros and cons
Property's strengths are real: you can borrow against it at scale, rents tend to rise with inflation, and a well-chosen asset compounds quietly for decades. Add tax levers like depreciation and negative gearing and it is easy to see why Australians love it.
The costs are just as real: stamp duty and agent fees at each end, land tax, maintenance, vacancy risk, and concentration: one asset, one suburb, one tenant. A property that strains your cash flow can force you to sell at the worst time. The pros only win when the numbers work in your plan, not in a seminar spreadsheet.
Choosing the right type of investment property
Houses, units, townhouses, commercial premises: each behaves differently. Houses typically carry more land value and growth; units yield more but grow slower; commercial property offers higher yields and longer leases with more vacancy risk. New builds bring depreciation benefits, established homes bring negotiating room and proven streets.
The right type is the one that matches your cash flow, borrowing power and timeframe, not the one being promoted this month. That is the assessment we build with you before you ever go to an open home.
The role of self-managed super funds in property investment
An SMSF can buy property your personal name cannot reach tax-effectively: rental income inside super is taxed at 15%, capital gains as low as 10%, and potentially 0% in retirement phase. For business owners, the standout play is buying your own business premises through your SMSF and paying rent to your own retirement fund instead of a landlord.
The rules are strict (arm's length leases, limited recourse borrowing, liquidity requirements), which is why the strategy needs an adviser, an SMSF accountant and a specialist lender working together. See how the SMSF commercial property strategy works.
Funding it: equity, borrowing and cash flow
Most investors fund their first property with home equity rather than cash. Knowing your usable equity (typically up to 80% of your home's value minus your loan) tells you what is realistic before you fall in love with a listing. Our free home equity calculator gives you that number in under a minute.
From there, strategies like debt recycling can make the same dollars work twice: converting non-deductible home loan debt into deductible investment debt as you build the portfolio.
Hear from our happy clients.
The reviews page →Verify on Google →35 Google reviews at 5.0 stars.
Richard has been amazing in helping me get into a position to purchase my first home. He took the time to go through my situation in detail and help set my finances up to enable me to be better prepared for the future.
Richard was an absolute pleasure to deal with. He gave us great guidance during our insurance review and really took the time to understand what suited us best. Very knowledgeable, easy to talk to, and his team was always responsive and helpful. We also appreciated the advice around our wealth planning.
Had a great planning session with Richard recently. We gained a huge amount of insight into how we can best use the equity we have in our home and explored other methods to improve not only our immediate cashflow, but also our long term wealth. Can't wait to implement these strategies. Thanks Richard.
Richard helped me sort out my super, life insurance, plan for my first home, and set up a solid retirement plan. He is very knowledgeable and takes the time to research and explain things clearly. I now feel confident and safe that my family's future is on the right track.
Richard has been outstanding to work with. He combines deep financial knowledge with a genuinely friendly and approachable manner, which makes discussing big decisions much easier. His guidance has helped us plan confidently for the future, and his support during our recent home sale and purchase was incredibly valuable.
An appointment with Richard was the most enlightening experience I have had to date and as an elderly woman seeking retirement knowledge I have spoken to many. Richard's communication style was flawless, I walked away with every question answered and armed with ideas no one had ever shared with me.
I have had a bad experience with Financial Planners in the past, but Richard was excellent to work with. He provided some really helpful options for us to consider, and guided us to make some important financial decisions based on facts rather than assumptions or emotions.
Richard's understanding in investment property sets him apart from other financial planners I have ever encountered. From superannuation planning to education bonds, he explains everything thoroughly, making sure that we leave the meeting with a clear plan in hand.
We had recently met with Richard to discuss our retirement goals and the whole experience has been extremely fulfilling. Richard understood what is important to us, explaining everything in a way that we can both understand. He gives us the confidence to retire comfortably.
I recently worked with Richard & PJ to review all my insurance policies for both myself and my kids, and I couldn't be happier with the experience. Their professionalism, patience, and genuine care really stood out.
We've had an excellent experience with our financial planner, Richard. He is extremely professional, friendly, and consistently provides clear, thoughtful guidance to help us make confident financial decisions and secure our future.
Richard and the LINK Wealth team have gone above and beyond helping my family get set up here, in Australia, after moving from South Africa. I would recommend to anyone looking for sound financial advice.
Richard was great to talk too, he is extremely professional, friendly and provided me with great options.
Thank you Richard for an amazing discussion and pointers towards estate planning, super management and financial strategy. It has given us a lot to think about and we'll certainly be recommending LINK Wealth to our friends and family.
Richard has been an absolute game changer for us. He's not only brilliant at what he does, but he genuinely cares about our family's goals and future. Every meeting leaves us feeling clearer, more empowered, and excited about the path ahead. And Britt deserves her own shout-out! She is always so welcoming, patient, and on top of everything - and her coffees are second to none. Couldn't recommend the LINK Wealth Advisors team more highly, they've been exceptional!!
We've had another great experience with the team at LINK. My husband and I are looking at doing some strategic financial planning regarding super, insurance and investments. I contacted our accountant Chris to discuss and he put us in touch with Richard to get a second opinion. We were really happy with how efficient Richard was in responding to our queries and all the advice on our future plans.
I recently had the pleasure of using Link Wealth's services for a full insurance review, and I couldn't be more impressed. Richard took the time to go through everything in detail - life insurance, income protection, and all the fine print - making sure everything was up to date and aligned with my current needs. I now feel incredibly secure and confident in my financial protection. That kind of peace of mind is priceless.
We recently sat down with Richard to review our personal insurance and couldn't be happier with the experience. He was professional, approachable, and explained everything in a way that made sense - even the more complex parts of our cover. We left feeling confident, informed, and very well looked after.
We recently had Richard and PJ review our existing insurance policies, and the experience was nothing short of excellent. Richard's depth of knowledge in risk and wealth planning, PJ's experience and sense of humour, and Joy's attention to detail and warm approach made for a truly well-rounded team.
Decided it was time to review my insurances to make sure I was protected. Richard was professional and knowledgeable and would highly recommend you give him a call!
We’ve had an excellent experience with our financial planner, Richard. He is extremely professional, friendly, and consistently provides clear, thoughtful guidance to help us make confident financial decisions and secure our future. Most recently, his advice was invaluable during the process of buying and selling our home. We couldn’t recommend Richard more highly. Thank you!
What a difference a conversation with LINK Wealth can make! We met with Richard recently after contemplating for the longest time on whether we really needed help from a professional financial planner. Richard was very genuine and shared great insights to optimising our personal wealth, especially as a young family. We left the meeting feeling more informed about our life choices and confident with making financial decisions ahead. Thank you, Richard and team!
Eddie and the team have provided fantastic support and service to our family. Their knowledge and expertise has enabled a very smooth process, I highly recommend them.
We’ve had another great experience with the team at LINK. My husband and I are looking at doing some strategic financial planning regarding super, insurance and investments. I contacted our accountant Chris to discuss and he put us in touch with Richard to get a second opinion. We were really happy with how efficient Richard was in responding to our queries and all the advice on our future plans.
My wife and I met with Richard to discuss our financial position. Richard's understanding in investment property sets him apart from other financial planner I have ever encountered with. He also understands the importance of making sure our kids are covered too. From superannuation planning to education bond, he explains everything thoroughly, making sure that we leave the meeting with a clear plan in hand. I appreciate his work and would recommend him to anyone.
I was fortunate to be recommended to both Richard and PJ for their Finance and Insurance advisory services. Both of them helped greatly with reviewing my personal situation in both areas, and options that would help me manage future risks that insurance policies would cover, and sourcing and structuring the best deal to have the right insurance that would also help me out with my after tax cashflow. Richard’s expertise really shines as someone that knows the options and strategies available across a wide spectrum of financial situations. And tactics that help achieve financial related goals. Whether it is wealth creation, family planning, Superannuation, or whatever else it is that you desire. Within 3 months, I already experienced positive changes to my personal situation that has allowed some of my outgoing after tax costs get restructured so I am able to retain more each month, provide manageable and achievable short-term goals that will lead to the long-term goals in terms of financial milestones (E.g. Savings targets, Share portfolio). A financial advisor also helps as a mentor and accountability coach. Regular touch bases ensure that things are on track, and how to pivot as things change. It’s early days, but things have improved for the better. And I’m confident in both Richard and PJ. A big thanks to them for everything. Cheers.
Obtaining advice from financial professionals can be confusing to say the least, then there’s the trust factor. An appointment with Richard was the most enlightening experience I have had to date and as an elderly woman seeking retirement knowledge I have spoken to many. Richard’s communication style was flawless, I walked away with every question answered and armed with ideas no one had ever shared with me. In addition, I received a detailed email of everything we discussed with further expansion on options that were too complex to retain at the meeting. I couldn’t recommend Richard more highly.
Andrew F is awesome to deal with. Every experience with link has been professional. I would recommend LINK to any sized business.
Andrew at Link Advisors has been a great support to me and my business with consistent and efficient service. I am always confident that Link has the best interest of my business in mind when making recommendations and offering advice. I highly recommend the services of the team at Link!
Andrew and the team have actively help me get a handle on my businesses and guided me through some difficult situations, would recommend for any type or size of business.
We’ve been with Link Advisors for around a year now and are quite happy with their services. They have a great team of accountants who provide exceptional service, promptly addressing all enquiries and ensuring our finances are accurate and compliant. I highly recommend Link Advisors.
Andrew and Link Advisors have been handling tax matters for me for nearly five years now. They provide an exceptional service. Unlike some other firms, their tools and processes are extremely efficient. A+++
I can not fault the service I get from Andrew and the team! It always a pleasure.
Great and professional service. The response to questions is always thorough and timely.
Andrew and Lwin take great care of all our accounting and book-keeping requirements which leaves us free to get on with business. Highly recommended team at Link
I've been a customer with Link Advisors for over 2 years and they've provided an outstanding service. A modern accountancy firm that uses the latest tech. I can concentrate on running my business without worrying about the paperwork. Highly recommend.
Been using Link for all my accounting needs for the life of my Business. They are always available and have never let me down. Great knowledge base and a good bunch of people to work with.
Could not be happier with the expertise and service from Link Advisors. Alejandra is a pleasure to deal with, and has done a brilliant job looking after our tax affairs for the past two years. Every detail is covered and explained thoroughly, the whole process has been seamless. Highly recommend!
Link are an absolute pleasure to work with. They are always so helpful in arranging everything, and the team just get things done. Small or big, they have helped out with all things accounting and business.
Very happy with Dante! He has been very helpful, patient and always fast and competent in his service. Thank you!
Chris and the team is very professional and easy to deal with!
Link advisors really made a difference in our business, their systems and communication are outstanding! Their always keeping us updated. Thank you guys for your good work. Already recommended you to my fellow business owners. Alex & Dave
Property investment advice FAQs
Do I need a financial adviser to invest in property?
You don't need one to buy, but you do benefit from one before you commit. An adviser stress-tests whether property fits your cash flow, tax position and goals, and whether shares, super or a blended approach would serve you better. We advise on the strategy; we don't sell property, so the advice has no listing behind it.
Is an investment property better than shares?
Neither is better in isolation. Property offers leverage and stability but concentrates risk in one asset and one suburb; shares offer liquidity and diversification but more day-to-day volatility. The right mix depends on your equity, income, timeframe and temperament. That is what the advice works out.
Can I use my home equity to buy an investment property?
Often, yes. Lenders typically let you borrow against up to 80% of your home's value. Whether you should depends on your cash flow buffer and goals. Start with our free home equity calculator, then model the strategy properly in an Equity Strategy Workshop.
Can my super buy property?
Through a self-managed super fund, yes, including the commercial premises your own business rents. Residential property in an SMSF is possible but often less suitable. See our SMSF commercial property page for how the strategy works.
Innovative solutions. Unmatched service. Delivered as promised.
Your path to financial freedom is waiting.
The first step is a free, no-obligation consultation. We'll get to know you and your goals. Let's get started.
Call us
(07) 2101 4377Find us
Level 1, 57 Berwick Street, Fortitude Valley 4006
5.0 · based on 35 Google reviews