Why waiting costs you more than land in property investment
Waiting for a bigger real estate block will cost you more than time.
When it comes to building wealth through property investment, speed often matters more than size.
Clients frequently ask us:
“I want a 400m²+ property, but my capacity means I can only afford 250-300m² – should I wait a year and buy something bigger?”
The proven results from Deebing Heights and current market data clearly answer this question – act early or lose $40k.
Property investment case study: Deebing Heights – smaller, sooner, stronger
| Metric | 2020 (281 m²) | 2021 (428 m²) |
| Purchase Price | $368K | $435K |
| Resale Value (2025) | $680K | $770K |
| Capital Growth | $312K (13.06% p.a.) | $335K (8.5% p.a.) |
| Weekly Cashflow | $70+ | $26.30+ |
The investor who bought sooner on a smaller block clearly came out ahead, benefiting significantly from earlier market entry.
Why it’s especially relevant today – interest rates are dropping, and prices are rising
The Reserve Bank of Australia (RBA) has started cutting interest rates, with forecasts suggesting a drop to between 3.1%-3.35% by late 2025. Corelogic research indicates every 1% rate cut triggers a 6.1% increase in house prices.
Many investors assume lower rates will boost their borrowing capacity, giving them more options later. While that is partially true – a 1% rate drop might increase your borrowing capacity by about $70,000.
However, there’s a significant catch: If prices increases by 6% during that period, a $750,000 property today becomes $795,000 next year, and your extra borrowing capacity disappears overnight.
You don’t get more options – you simply end up paying more for the same opportunities.
Waiting seems cautious, but it’s usually the most expensive choice.
Wealth comparison over 3 years: Act now vs wait 12 months
| Metric | Investor A (Buys Now) | Investor B (Waits 1 Year) |
| Block Size | 280 m² | 400 m² |
| Purchase Price | $640K | $802.5K |
| Years Owned by 2028 | 3 | 2 |
| Future Value | $784K | $919K |
| Equity Gained | $144K | $116K |
| Net Cashflow | $73K | $61K |
| Total Wealth | $217K | $177K |
‘Investor A’ finishes nearly $40k richer – even with a smaller block – simply by acting earlier.
Property investment bottom line: Don’t wait—win sooner
The market is shifting fast. Interest rates are falling, buyer activity is increasing, and prices are rising.
As John often says, “Do WHAT you can, WHEN you can.”
Ready to take advantage of time in the market? We’ll help you find the best block for your budget – so you can start growing your wealth faster.
