Is now a good time to purchase an investment property?

With prices having come back from their peaks and then stabilising into modest growth, 2026 looks more like a fundamentals‑driven investment market than a speculative one. Forecasts of only 2–5% annual price growth mean the days of relying on rapid capital gains alone are, for now, behind us; instead, yield, tax position, and long‑term strategy matter more. On the plus side, a more balanced market gives investors more choice, better negotiating power, and less competition from highly leveraged buyers.

Whether it’s a good time for you comes down to:

• Cashflow: Can the rental income support the mortgage at today’s rates, with realistic allowances for vacancies, maintenance, insurance and rates.

• Horizon: Investment property still tends to work best over 10+ years, especially in a low‑to‑moderate growth environment.

• Diversification: For many clients, we’re weighing up extra property versus paying down existing debt faster or adding to KiwiSaver and managed funds.

  
  

We’re having more conversations that start with “Should I invest?” and end with a tailored plan that might involve property, might involve other investments, or a mix of both. Get in touch with one of our financial advisers today, to discuss your options in detail.