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Investment Portfolio

One property is a purchase. A process is a portfolio.

Your equity could be building the next one — or the one after that. A fixed-price build with a defined specification is the same process every time, which is what turns a one-off into a plan.

Is this you?

  • Equity sitting in a home or a property and not doing much
  • Already own one investment property and want the next one to be easier
  • Want a process you can repeat rather than a one-off
  • Thinking about what this looks like in ten years, and who it’s for

If you ticked at least two, this pathway is worth understanding.

Equity that isn’t working

Money sitting in a home or an underperforming property is doing very little. The question on your mind isn’t “how do I pay less tax” — it’s “what should this be doing instead”.

Owning one property and hoping it appreciates is a start, but it’s not a plan. The plan is putting that equity to work in a way that’s repeatable — building the next one, then the one after that, without each one being harder than the last.

Most people’s second investment property is harder than their first. It doesn’t have to be.

How it works

How it works — the build pathway

The same guided build process, retold for an investor who already understands property and wants to know exactly what they are buying and why.

  1. 1

    Enquiry

    Tell us your goals, budget and preferred Perth metro locations — whether you plan to live in the home or hold it as an investment.

  2. 2

    Qualification

    A specialist reviews your position and confirms a suitable path forward.

  3. 3

    Finance Structuring

    We map borrowing capacity and structure the loan for yield and growth.

  4. 4

    Home Design Selection

    Choose from a range of tried-and-tested home designs matched to your land, budget, and goals — whether you will live in it or tenant it.

  5. 5

    Preliminary Plans & Agreement

    A preliminary agreement to lock in the design, inclusions, and scope before contract.

  6. 6

    Building Contract

    A formal fixed-price building contract you sign directly with our trusted builder.

  7. 7

    Build Updates

    Regular stage updates with a named contact throughout construction, so you always know where things stand.

  8. 8

    Completion & Refinance

    Handover, tenant-ready or move-in ready, and a refinance opportunity to review.

Why this works more than once

Doing it more than once

This is the strongest argument on this page and it has nothing to do with tax. Most people’s second investment property is harder than their first, because the first was bespoke — a hundred decisions, a builder relationship built from scratch, a process that lived in someone’s head. A fixed-price turnkey build with a defined specification is repeatable.

The same process, not a new one

The same steps, the same contract structure, the same specification framework — applied to a different lot. You are not starting from scratch each time. The decisions you made on the first build carry forward.

The same team

The same specialists and trusted builder. The relationship and the institutional knowledge are already in place. You are not re-establishing trust with a new set of people each time.

The same paperwork

A Preparation of Plan Agreement with a defined specification means the documentation is consistent across builds.

A different lot

The variable is the land — location, lot size, orientation. Everything else is defined. That is what makes a portfolio a plan rather than a series of one-offs.

What you are actually doing

Building adds a house

A new build puts a dwelling into the market that wasn’t there before, and a household lives in it who may not have been in a position to build it themselves. Buying an established property moves ownership and adds nothing.

For a reader thinking about what they’re leaving behind, this reframes the whole exercise — the portfolio and the contribution are the same act.

Why a new build

The tax difference

A new build sits in a different position under the legislation. Since the 2017 changes to plant and equipment deductions, new and established residential property are treated differently for depreciation purposes. This page explains the difference. It is general information, not advice.

Investors who acquire established residential property generally cannot claim depreciation on the second-hand assets within it. A newly constructed property retains that entitlement alongside capital works deductions.

A depreciation schedule is prepared at handover by a registered quantity surveyor — not by us. We do not determine the depreciation values, and we do not provide tax advice. The schedule is a document you take to your own registered tax agent, who advises on how it applies to your circumstances.

This is general information about how the tax legislation applies to new versus established property. It does not constitute tax advice. newhomes.com.au is not a registered tax agent. You should consult your own registered tax agent before making any investment decision.

Current packages

View our available house & land packages

Can't find what you're looking for?

Browse our curated home designs and selection of beautiful estates.

Pathway
Region
Price band
8 packages available
Cardup Lot 151 exterior
Available now

Cardup Lot 151

Cardup, South-East corridor
$670,105
total package
3 bed
2 bath
2 car
140 m²
300 m² lot
Estate:Constellar
Design:Waratah
  • · Titled land, ready to build
  • · 15m frontage
  • · Turnkey inclusions with the Waratah design
Parkland Heights Lot 230 exterior
Available now
Advanced Release

Parkland Heights Lot 230

Baldivis, South corridor
$769,000
total package
3 bed
2 bath
2 car
139 m²
315 m² lot
  • · Family friendly estate
  • · Close to beaches, schools and shops
  • · Affordable entry into a great suburb without compromise
Parkland Heights Lot 463 exterior
Available now
Advanced Release

Parkland Heights Lot 463

Baldivis, South corridor
$779,000
total package
3 bed
2 bath
2 car
139 m²
326 m² lot
  • · Beautiful, conveniently located estate
  • · Open plan living flowing to alfresco
  • · Turnkey inclusions with the Drysdale design
Lakeview Lot 52 exterior
Reserving

Lakeview Lot 52

Mariginiup, North corridor
$766,700
total package
3 bed
2 bath
2 car
140 m²
313 m² lot
Estate:Lakeview
Design:Waratah
  • · Available to purchase now
  • · 12.5m frontage
  • · Split system air-con, floor and window coverings, vinyl sliders to beds and linen
Woodland Heights 175 exterior
Reserving
Titles Feb-27

Woodland Heights 175

Baldivis, South corridor
$799,999
total package
4 bed
2 bath
2 car
173 m²
325 m² lot
Estate:Woodland Heights
Design:Eden
  • · Front landscaping and fencing included
  • · Open plan living with alfresco with generous inclusions
  • · Affordable entry point into a great suburb without compromising on comfort
Lot 47 Lauderdale Rd Madora Bay exterior
Available now
Large block

Lot 47 Lauderdale Rd Madora Bay

Madora Bay, South corridor
$984,900
total package
4 bed
2 bath
2 car
166 m²
566 m² lot
Estate:Seaside
Design:Monaco
  • · Titled land, ready to build
  • · Huge 17m frontage
  • · Turnkey inclusions with the Monaco design
Cardup Lot 149 exterior
Reserving
Titles Feb-27

Cardup Lot 149

Cardup, South-East corridor
$693,172
total package
3 bed
2 bath
2 car
140 m²
295 m² lot
Estate:Constellar
Design:Waratah
  • · Solar, reverse cycle air-con, smart deadlock, LED downlights
  • · High recessed ceilings, Vitreous benchtops and more
Ocean Hill Lot 1429 exterior
Reserving
Titles Jun-27

Ocean Hill Lot 1429

Madora Bay, South corridor
$705,559
total package
3 bed
2 bath
2 car
139 m²
289 m² lot
Estate:Ocean Hill
Design:Drysdale
  • · Land titles est. Jun-27
  • · Turnkey inclusions with the Drysdale design
  • · No compromise, open plan living
Worked example

What the numbers could look like

This section uses indicative values and interest only repayments. Real figures depend on the specific property, rental income, lending variables, and your tax position.

Purchase price$850,000
Deposit$170,000 (20%)
Loan amount$680,000
Weekly rent$650
Weekly mortgage (interest only period)$849
Interest rate (interest only/30 yrs)6.49%
Weekly holding cost (excl. fees)$198

Mortgage repayments increase when the loan reverts to Principal and Interest. This is general information only and does not constitute financial, tax, or investment advice. You should consult your own registered tax agent or licensed financial adviser before making any investment decision.

FAQ

Questions and objections

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