With mortgage rates easing and rental yields holding strong, property experts say now could be the ideal time to enter the market.

A combination of lower borrowing costs and stable rental income is giving investors the chance to acquire properties that are close to cashflow-neutral. A scenario that hasn’t been seen in years.

“The investing cycle has restarted,” says Kayne Wahlstrom, Founder of Properli. “As rates drop to match rental yields, investors can hold and acquire properties without significant ongoing costs. It’s a shift we haven’t seen for some time.”

Cashflow-neutral investing is back

Many of Properli’s pre-vetted properties are achieving rental yields of 4–5%, and with interest rates trending downward, investors can often offset most or all of their holding costs. This makes property investment accessible for a broader range of buyers and is especially attractive for those using negative gearing strategies, covering property costs through rental income while aiming for long-term capital gains.

High-growth locations

Properli works closely with developers to provide a range of new build, off the plan investment opportunities.

• Stand-alone 3–4 bedroom homes in Rolleston and surrounding fast-growing Canterbury regions
• Low-maintenance 2–3 bedroom townhouses in Auckland’s most sought-after suburbs like Pukekohe, Howick and North Shore.

“These areas aren’t just popular with renters,” says Kayne,
“They’re carefully selected for their potential capital growth over time.”

Tailored investment planning

Beyond sourcing properties, Properli offers a full Property Investment Wealth Plan, designed by experienced Financial and Investment Advisers. Using the latest data, selection typology, and advanced property modelling software, these plans are tailored to each investor’s goals, helping to maximise returns while mitigating risk.

"If you have equity in your existing home, you can enter the investment market with relatively low to no capital outlay,” Kayne adds.

Take a long-term view

Experts recommend investors adopt a ten year perspective, building a portfolio that generates ongoing rental income while compounding in value.

“The conditions we’re seeing now won’t last forever,” says Kayne, “For those who’ve been waiting for the right time, this could be it.”

With interest rates declining, rental yields holding steady, and property values projected to grow overtime, investors have a strategic window to create wealth through property. Properli’s combination of pre-vetted opportunities and tailored wealth planning makes this moment actionable.