December 2, 2025
Your guide to investing in a holiday home
Buying a holiday home can feel like a dream — whether it’s a cosy mountain cabin or a beachfront escape — but it’s important to understand the realities behind the romance. Before investing, consider how you plan to use the property, as personal use versus short-term renting can significantly affect your income and long-term returns. Research local market conditions, including rental demand, tourism patterns, and capital growth indicators, so you understand how seasonal peaks and quieter periods may impact your budget. It’s also essential to check the laws and regulations governing short-term rentals in your chosen area, as rules vary across states and councils. Requirements such as property registration, limits on rental days, behaviour standards, and even levies (like Victoria’s 7.5% short-stay levy) may affect your plans. Financially, holiday homes come with ongoing costs such as mortgages, insurance, cleaning, and maintenance, as well as tax considerations including deductions, negative gearing, capital gains tax, and potential stamp duty or land tax obligations. If you’re excited to turn your holiday-home dream into reality, our team is here to help guide your next steps and support you through the financial planning process.
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