The Property Couch 596 | Should I Sell My Investment Property or Hold? Here's How to Decide - Q&A Day
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May 7, 2026 Ben T, a Couch Crew member and QPIA who shares hands-on investor experience, tackles real dilemmas about selling or holding property. He discusses a 60% regional surge, timing and volatility in regional vs capital markets. He highlights hidden holding costs like insurance and climate risk. He also weighs selling to pay a home loan, modelling scenarios with a broker, and the pitfalls of pooling family funds.
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Check Economic Drivers Before Holding Regionals
- Review the economic drivers and industry diversity of a regional town before deciding to hold or sell.
- Polly recommended preferring capital city exposure for stability because cities have multiple industries to absorb shocks, unlike tourism-dependent Cairns.
Include Climate Insurance And Body Corporate Costs
- Factor in hidden holding costs like insurance and body corporate when weighing hold versus sell decisions for northern/regional assets.
- Ben Kingsley recounted a Cairns complex where premiums rose from ~$24k to $56k then back to ~$30k after shopping around.
Model All Sell Or Hold Scenarios With Professionals
- Model scenarios with an investment-savvy mortgage broker and a QPIA before selling an IP to pay down PPR debt.
- Ben T and Polly advised mapping hold, sell-and-replace, sell-only and PPR-swap options to see cashflow, tax and recycle costs.
