Different ways to invest in property

There’s more than one way to invest in property. Consider which path may be the best for you.


Mortgages are the best-known option when it comes to financing your property investment. There is a multitude of loan products available with varying conditions and flexibility. Most financial institutions have a lot of experience lending for property investment. They can give you guidance to which loan will suit you best.

Fractional investing

Fractional property investing divides the total cost of a property into shares. Investors can purchase a portion of an individual property to receive a respective portion of rental income and capital gains.

Real estate investment trusts (REITs)

You can also invest in property via the share market through real estate investment trusts (REITs) or directly in property development companies. REITs pool investor capital into development and real estate assets on your behalf. They can have the benefit of spreading risk through a more diversified portfolio of investments.

Exchange traded funds (ETFs)

Similar to REITs, exchange traded funds (EFTs) allow you to invest in property via the stock market. They pool investor capital to invest across a variety of different assets. Real estate EFTs often spread their investment across a range of REITs.

Self-managed super funds (SMSFs)

If you have a self-managed super fund, you may be able to use the equity from your fund to invest in property.