How to navigate property investment in 2026: practical tips and insights

From the outside looking in, buying or investing in property can seem like a daunting task. With fluctuating markets, rising living costs and economic uncertainty, making the right investment choice can feel overwhelming.

For many South Africans, the journey to building wealth through property is both exciting and intimidating. However, according to Paul Stevens, CEO of Just Property, real estate investment remains a reliable route to achieving long-term financial growth.

The case for property investment

Stevens lists several reasons why property investment is particularly appealing.

“One of the greatest advantages of property investment is its stability,” he notes.

Physical real estate maintains intrinsic value even during economic downturns, offering investors a sense of security that is difficult to find elsewhere.

While it is true that property values can dip and that selling may not always be quick, a well-located home in areas with strong demand tends to appreciate and recover more effectively than many expect during economic downturns.

Consequently, the location of your investment matters as much as the type of property you choose to buy.

Areas with reliable infrastructure, vibrant local activity and genuine rental demand are particularly attractive as they provide owners flexibility - be it letting out the property, selling it or residing in it for the long haul.

Beyond capital growth, property ownership holds the potential to build wealth in more tangible ways.

A sound investment can contribute positively to your monthly costs while you accumulate equity.

Stevens cautions, “Rental income is not completely passive; vacancies, tenant changes, and maintenance are realities. However, when planned correctly, rental income can offer substantial offsets to expenses.”

Strategic investment tips

For those looking to navigate the property investment landscape, Stevens offers essential tips to guide successful investments:

Define your goal upfront: Are you purchasing a property to reside in, earn rental income, or for long-term growth? Your objective will inform your decisions.

Run the numbers conservatively: Include transfer taxes and upfront costs, calculating your true monthly commitment with levies, insurance, and a maintenance allowance.

Stress-test your affordability: Ensure you can manage if interest rates rise, if your tenant vacates, or if unexpected repairs arise.

Research the area thoroughly: Look for evidence of sustained demand beyond superficial marketing promises.

Partner with reputable professionals: Work with experienced agents and advisors who provide honest, informed insights.

Stevens emphasises the significance of location and long-term demand.

Buyers should look for areas where people constantly want to live - proximity to employment centres, schools, transport options, hospitals, and other established amenities reflects sustainable desirability.

He also urges caution when assessing comparable sales and rental figures to ensure you are not overpaying for speculative potential unsupported by current demand.

Stevens also advises maintaining a buffer in your budgeting, ensuring repayments remain manageable even in varied scenarios, and recommends strategic renovations that enhance property value without excessive expenditure.

“Property remains a compelling wealth-building option for South Africans who approach it strategically. When you buy in the right place, keep your debt manageable, and plan for real-world risks, property can deliver a tangible asset that supports your life today while building value for tomorrow.

"Done well, buying property not only brings returns but also provides options, stability, and a lasting legacy," said Stevens.