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The Cost of Waiting: Why Delaying Your Property Purchase Could Set You Back Six Figures

  • Writer: Olivia Ramyan
    Olivia Ramyan
  • Jul 18
  • 2 min read

In today’s unpredictable market, it’s easy to fall into the trap of waiting.


“We’re just going to see what happens.” “We’ll wait until prices come down.” Sound familiar?


It feels like the safe option, especially when headlines talk about interest rates, inflation, or uncertain conditions. But here’s the reality:


Waiting can cost you more than acting.


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The Market Doesn’t Stand Still

Even if the market dips slightly, Australian property values trend upward over time and so do rents. While you wait for the “perfect moment,” you’re likely missing out on four key things:

  1. Capital growth

  2. Rental income (if investing)

  3. Equity from loan repayments

  4. Your ideal property — before someone else buys it


Let’s break it down with a real example.


What Waiting 12 Months Can Really Cost

Say you're looking at a $700,000 property.You decide to wait, hoping prices will drop or conditions will “improve.”


But instead of falling, the property increases just 5% in 12 months (a very modest growth rate by historical standards).


That property now costs $735,000.That’s $35,000 more than if you’d bought last year.


But that’s not the only cost. If it was an investment, you also missed out on:

  • A full year of rental income

  • A full year of tax benefits (e.g. depreciation, deductions)

  • A full year of principal repayments reducing your loan

  • And a full year of equity growth that could’ve helped you buy again sooner


The Catch-Up Game Is Tough

While you’re busy saving that extra $35K, the market is still moving. And the longer you delay, the faster that gap widens.


It’s not about rushing into the wrong property.It’s about recognising that time in the market beats timing the market, every time.


Ready to Get Off the Sidelines?

If you’re feeling unsure, you’re not alone.


Most people aren’t confident navigating the market on their own and that’s exactly what we’re here for.


Whether you're a first-time buyer or looking to invest, we'll help you:

➤ Understand your numbers

➤ Find the right suburb and strategy

➤ And make confident decisions without wasting time


Thinking of waiting? Let’s talk first.


📩 Reach out for a free discovery call and find out what your deposit could be doing right now.

 
 
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