BLOGS
The RBA’s latest Senate hearing highlighted both opportunities and risks for new home buyers. Governor Michele Bullock noted that the expanded First Home Guarantee (now allowing purchase with just 5% deposit and no lenders’ mortgage insurance) will bring many more first-home buyers into the market. However, she warned this also means more borrowers with high
The Reserve Bank of Australia (RBA) left the cash rate unchanged at 3.60% in its September meeting. Governor Michele Bullock emphasised the Board’s cautious, data-driven approach – staying at current rates “meeting by meeting” and monitoring inflation trends. In fact, RBA minutes noted inflation is still above target and that the “decline in underlying inflation
Australia’s population is booming. ABS data shows the national population hit about 27.54 million in March 2025. That surge is driven by record migration, roughly 110,000 overseas arrivals in the March quarter and about 315,900 over the last year, far above the long-term annual average (~220,000). In short, more people = more homes needed. HIA
The Australian property market has long been a beacon of resilience, a strong narrative woven into the national identity. Are interest rates and inflationary pressures finally about to curtail the Australian property market? This question is at the forefront of every investor’s mind. For years, the market has greatly demonstrated remarkable resilience, defying expectations and
The world of property investment is a very complex landscape, often clouded by industry jargon and conflicting advice. For decades, negative gearing has been a cornerstone of Australian property investment, a meticulous strategy wielded by countless investors to grow their portfolios. Among the most debated strategies is negative gearing. It is a concept that can
The Reserve Bank of Australia’s (RBA) recent monetary policy decisions have sent quite a clear signal to the market: an easing cycle is well underway. For property owners, aspiring first-home buyers, and investors, this shift from rate hikes to rate cuts is a pivotal moment with profound implications for the Australian property landscape. The RBA’s
Australia’s landlords are under pressure. A recent PIPA survey reports a record 16.7% of property investors sold at least one property in 2025 – up from 14.1% in 2024. Faced with rising land taxes, compliance costs and policy uncertainty, many long-term investors feel the risk now outweighs the reward. In plain terms: they’re eager to
Governments are racing to use artificial intelligence (AI) to speed up housing approvals. In September 2025 the NSW government launched a tender for an AI system to review major development applications, a move labelled a “gamechanger” by planning minister Paul Scully. Federal Treasurer Jim Chalmers has since urged other states to follow suit. The goal
The spring selling season in Australia is here, and it’s already proving to be a busy time for buyers and sellers. Experts note that lower interest rates and pent-up demand are drawing more people into the market. A recent report from Canstar shows Sydney’s median house price is on track to rise by $154K, reaching
Cotality, a property adviser, says that the Australian property market rose up again in August 2025 since there weren’t many houses for sale and a lot of people wanted to buy them. The median price in the country rose 0.7% from July to A$848,858 (approximately US$551,588). This was the greatest monthly gain since
The soaring cost of real estate has made homeownership a far-off aspiration for many. In this challenging landscape, a new, controversial trend is rapidly gaining traction: buying property with friends. While the allure of combining resources to get a foot on the property ladder is typically strong, this path is fraught with a significant layer
In today’s fast-paced world, the concept of being “time-poor” is more relevant than ever. Professionals together with investors often find themselves with ambitious financial goals, yet they lack the most important resource to achieve them: time. The ultimate desire to build wealth through strategic investments, particularly in the Australian property market, is strong, but the
Millennials have seen their property wealth shoot up by 169% in the last ten years, yet the dream of owning a home increasingly slips from their grasp. Insights from KPMG and the ABS show that, while home values on paper make this group look rich, the reality is that fewer young Australians can make the
Australia’s residential real estate landscape is strictly undergoing a significant transformation. For years, a persistent supply-and-demand imbalance has fueled unprecedented growth in rental costs, basically placing immense pressure on tenants nationwide. Since rents continue their upward trajectory, a new dynamic is emerging: a growing number of Australians are transitioning from the rental market to property
Property investment is frequently depicted as a simplistic endeavor, focused solely on accumulating equity. For many, this is the Holy Grail—the measure of all success. Yet, the most professional savvy investors know that this perspective, while not entirely wrong, is fundamentally incomplete. For many Australians, the dream is intrinsically linked to property ownership in a
The size of households and the types of homes being built are growing out of proportion in Australia’s housing market. New data shows that most households today have only one or two people living in them. However, the majority of available housing is still large three- or four-bedroom homes, which creates a critical gap in
Recent discussions about Australia’s housing market often gravitate towards the dramatic prospect of a “crash.” While it’s prudent for any market participant to understand potential risks, a closer examination, primarily from the vantage point of Investmate, a buyer’s agency, highlights a perfect blend of underlying strength and strategic opportunities, rather than a looming failure. For
In the evolving landscape of Australian property, debate rages around whether long-term investing is the only reliable path—or whether short-term strategies or a hybrid approach can also deliver success. With market dynamics influenced by economic shifts along with policy changes and demographic trends, determining the optimal investment approach is crucial. With shifting marketing strategies, changing
Negative gearing occurs when the expenses tied to an investment property—chiefly mortgage interest, maintenance, and management fees—exceed rental income. In this case, investors can claim the net loss as a tax deduction against other income, decreasing overall taxable income. Yet, it consistently faces scrutiny, with arguments raging over its impact on housing affordability, wealth inequality,
Australia’s housing market continues its upward trajectory, as dwelling values increased across every capital city during July, per the latest Home Value Index published by Cotality. On a national level, dwelling values climbed 0.6% in July, marking the sixth consecutive month of upward movement. This steady recovery follows the Reserve Bank of Australia’s monetary easing
Melbourne’s property landscape has undergone a remarkable transformation during the last two decades, with the outer suburbs emerging as the standout performers. Although the inner suburbs frequently attract media and investor attention, the latest data reveal significant capital appreciation realized by owners across the northern, western, and eastern growth corridors. Kew East Takes the Crown
The long-standing debate between renting and buying a home often dismisses “rent money” as “dead money”—an expense yielding no return. However, a strict “buy-at-all-costs” approach can overlook significant avenues for wealth creation as well as financial flexibility for individuals and businesses alike. While generations have been taught that homeownership is the sole path to prosperity,
In a surprise to economists and markets, the Reserve Bank of Australia left the Official Cash Rate unchanged at 3.85 per cent at the last RBA meeting. All four major banks had been predicting a 0.25 per cent cut, factoring in easing inflation and evidence of a slowdown in economic growth. But the RBA opted
Prior to anticipated rate cuts, buyers are acting swiftly: The Reserve Bank of Australia is expected to cut interest rates soon, prompting many potential homebuyers to act more quickly. Experts think that a rate cut in July is likely because inflation is slowing down, exports are falling, and uncertainty around the world is growing. People
In June, the Australian residential property market tightened again. Listing volumes declined in most capitals, while asking prices continued to rise. The most recent data from SQM Research show that winter has caused a seasonal slowdown. However, in many areas, there is still less stock than usual, which puts more pressure on active buyers. Listings
Many analysts think the value of Australian homes will keep creeping up through 2026. With borrowing costs drifting lower, wages holding steady, and first-time buyer incentives still on the table, the market looks surprisingly resilient. A deep, nationally wound shortage of housing sits front and centre in most forecasts. Active buyers outnumber vacant listings by
In a market dominated by uncertainty, the anticipation of an interest rate cut by the Reserve Bank of Australia (RBA) looms large in the minds of many prospective homebuyers and property investors as well. The common perception is that lower interest rates translate to cheaper mortgages, making it the “perfect” time to enter the property
In an era where financial independence along with early retirement are increasingly coveted, the question arises: Can you truly retire on property investments within a decade? This notion, while ambitious, is not entirely out of reach. The idea of retiring within a decade via property investment has garnered considerable interest. This concept, though ambitious, is
Homeownership is one of the most significant milestones in an individual’s financial journey. For most Australians, acquiring a home loan is a typical step in fulfilling that aspiration. This also brings with it a profound wish to settle the loan as quickly as possible. The idea of being debt-free is widely celebrated, often viewed as
The residential property market in Australia has reached another record in the March 2025 quarter. Data released by the Australian Bureau of Statistics reveals the national housing stock is now valued at $11.37 trillion, a quarterly upturn of $130.7 billion that highlights the sector’s remarkable momentum. In tandem with this valuation advance, the mean price
In the ever-evolving landscape of Australian real estate, the notion of ‘rentvesting’ has come forth as a contentious strategy, generating both vigorous advocacy and prudent skepticism. This approach, wherein individuals opt to rent their primary residence while investing in property elsewhere, challenges traditional notions of homeownership and wealth accumulation. As the housing market continues to
As we enter the second quarter of 2025, Australia’s real estate market is navigating a complex landscape of economic uncertainty, housing undersupply, shifting interest rate expectations, and inflationary pressures. While prominent economists forecast rate cuts later in the year, there remains uncertainty. Nearly two-thirds of Australian real estate professionals expect house prices to rise in
Activity in the buyer section of Australia’s property market is shifting in 2025, as experts note a rise in what is being called “Goldilocks suburbs” — those where home prices are near the median-priced home in the capital city. Suburbs Getting Popular Due to Demand Due to rising restrictions, Australians are venturing away from the
Why Investors Are Targeting Regional Growth Hubs in NSW and Victoria Regional growth hubs in NSW and Victoria are drawing wide-scale attention from first-time and seasoned investors aiming to maximise return on their real estate investment. On 31st March 2025, the NSW Government released the NSW Innovation Blueprint 2035, highlighting a strategy structured to ensure
The Australian property market suffered a considerable dip in new listings in April, showing a decrease of 11.6%. Sydney suffered the largest drop at 23.6%, followed by Canberra (-25.1%) and Darwin (-36.7%). On a national scale, total listings saw a month-on-month decrease of 3.6%, indicating a supply shortage. Despite these decreases, property prices continue to
Reason for Consideration in Real Estate Infrastructure The property market in Queensland (QLD) and Victoria (VIC) in 2025 is projected to experience a significant increase in home values. While some parts of Australia are experiencing stagnation or a slight decline in property prices, these two states are weathering the storm. One of the primary drivers
For the first time in over 3 years, Australia’s core inflation has dropped within the Reserve Bank of Australia’s (RBA) target range of 2 to 3%. This has increased expectations of an interest rate cut. The Australian Bureau of Statistics (ABS) noted that trimmed inflation, which the RBA utilises for long-term trend assessment, now sits
Australia is incrementally fighting a problem in 2025, which deepens the housing affordability crisis, and gaps in the property market are widening. The most recent data from CoreLogic paints an even more troubling scenario, where homeownership is increasingly out of reach for the majority of Australians. Record High Price-To-Income Ratio The national price-to-income ratio hits
Today, in 2025, Regional New South Wales (NSW) stands out as one of the strongest-performing regions in Australia, both in terms of real estate and economic activity. The region is prospering at a time when property values in other parts of the country are stagnating or even declining. The underlying drivers of the regional success
The 2025 Australian Federal Budget Housing Crisis Issues The Australian 2025 Federal Budget outlined new initiatives to address the growing housing issues in the country. While these measures are a step in the right direction, their effectiveness on the ground is still uncertain. Below is an analysis of the highlights that are most likely to
