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toowoomba

Toowoomba – a property market in bloom

Toowoomba is known colloquially as the Garden City because, you guessed it, its temperate climate and elevation nearly 700 metres above sea level means it has an over-abundance of flora. The city – about 125 kilometres directly west of Brisbane – has had its annual Carnival of Flowers since 1949. But Toowoomba is no longer just known for its pretty streetscapes and blooming gardens. Instead, this city of 180,000 people within reach of the Queensland capital has benefited from major infrastructure projects over recent years – including its own privately owned airport! So, let’s unpack why we’ve been purchasing property […]

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Why buyers need to be cautious about Perth

Perth has been the shining property star for the past year or two without a doubt. We started buying quality real estate assets for our clients in the Western Australian capital quite some time ago, which means those properties have ridden the capital growth uplift over that time. But there is something unsettling happening in Perth at the moment that makes me very nervous indeed. You see, there are buyers over there purchasing inferior properties at ridiculous prices. There are even supposed buyers’ advocates paying through the nose for seriously warty properties. The current buying frenzy means someone is likely

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Caring for children number one barrier to work for women

New yearly statistics have found that nearly two-thirds of women looking after their children would prefer to be working in some capacity but are unable to do so. The Australian Bureau of Statistics (ABS) Barriers and Incentives to Labour Force Participation for the 2023 financial year found that caring for children remained the greatest barrier for women wanting to be in the workforce.  According to the ABS, in 2022-23, out of 5.1 million parents with children aged under 15 years, 700,000 were out of work. But about 85 per cent of out of work parents with children were mothers and

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Adelaide

Adelaide remains a consistent property market … with more potential

The enduring stability that characterizes the Adelaide market remains evident, as most recent surveys of market trends in this city reveals active markets and rising property prices in the majority of suburbs across the South Australian capital. Consistency is the defining hallmark of the Adelaide market. And what’s not to love about that? While there are relatively few suburbs in Adelaide classified as experiencing a rise in market activity, there is a significant number of suburbs demonstrating consistency, with sales levels maintaining a steady course over the past few years. In aggregate, seven out of 10 suburbs boast positive rankings,

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Sydney’s Soaring Property Market: A Resilient Comeback Story

Sydney has emerged as the powerhouse of Australia’s property market, showcasing robust signs of recovery and a stunning upswing in the real estate sector. As of the third quarter of 2023, Sydney reigns supreme as the strongest property market in the nation, defying the challenges of rising interest rates and high inflation. It appears that these economic headwinds have had little impact on the enthusiasm of buyers and investors in the city’s real estate sector. An impressive 82% of suburbs across Greater Sydney have reported solid transaction numbers, signifying widespread growth and investment activity. The city’s fightback began in the

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The pros and cons of investing in commercial vs. residential properties in Australia

Investing in real estate can be a great way to build wealth over time, but it’s important to consider the differences between commercial and residential properties before making a decision. Each type of property has its own set of pros and cons, and understanding these can help investors make informed decisions about where to put their money. Commercial real estate is typically defined as properties used for business purposes, such as office buildings, retail spaces, warehouses, and raw land. Residential real estate, on the other hand, includes properties used for living purposes, such as single-family homes, apartments, and condos. Here

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Spring selling season listings still underwhelming

The traditional “spring selling season” started on 1 September this year with a flurry of new listings hitting the market – as is the usual turn of events. However, before anyone start’s shouting “It’s a buyer’s market!”, the cold hard truth is that there still remains an undersupply of decent properties available for sale – especially in hot markets like Adelaide and Perth. Listings up but still down over the year The latest figures by SQM Research have revealed that national residential property listings rose in August by two per cent to 224,530 properties, up from the 220,081 recorded in

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diversified property investment

How to build a diversified property investment portfolio in different cities and asset classes

First up, what does a diversified property investment portfolio actually mean?  “Diversified” means having a variety of different elements, components, or qualities. It is often used to describe a company, economy, or investment fund that invests in many different industries or activities in order to reduce risk and increase opportunities for growth and stability. A diversified musical program, for example, might range from classical to modern, while diversified farming might involve growing a variety of different crops. So you get the idea.  When it comes to property investment building a diversified portfolio is an effective way to manage risk and

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inflation

What does the latest inflation measure mean for interest rates?

Inflation has now dropped to its lowest level in nearly 18 months, which was a result that surprised many forecasters as well as the Reserve Bank, too, it seems. According to the Consumer Price Index for the June quarter, headline inflation fell to six per cent in June from seven per cent in March, which was weaker than market expectations of 6.2 per cent and lower than the RBA’s official forecasts. Headline inflation has now fallen nearly two percentage points from 7.8 per cent in the December quarter to six per cent in the June quarter – or in just six

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5 property blunders to avoid

It seems when it comes to property market conditions and some questionable buyer decisions of late, what is old is new again An undersupply of properties for sale is breathing life back into many property prices around the nation, but it’s also resulting in some people making some quite silly decisions as well because of their fear of missing out. Of course, these turns of events are like déjà vu of what occurred only a few years ago during the pandemic.  The Winter edition of Hotspotting’s Property Price Index (PPI) found growing evidence of recovery in a variety of big

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squeeze

Squeezed property supply stirring up buyers

The undersupply of property listings for sale is continuing to fire up property markets, with some areas having the lowest supply levels for decades. While interest rates are a headwind for some potential buyers, the lack of stock for sale is driving competition and pushing prices higher. Prices accelerating The CoreLogic’s national Home Value Index recorded a third consecutive monthly rise, with the pace of growth accelerating to 1.2 per cent in May. After finding a floor in February, home values increased 0.6 per cent and 0.5 per cent through March and April respectively. Sydney continues to lead the recovery trend,

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divorce tax

Divorce tax is a thing – and it’s financially hurting women the most

A parliamentary inquiry has revealed the brutal reality of home ownership rates for divorced women. According to the Grattan Institute, only 34 per cent of women who separated managed to own a home within five years and only 44 per cent within 10 years. Those statistics compared with 42 per cent and 55 per cent for men. Divorced women were also three times more likely to rent at age 65 than married women, the Victorian inquiry heard. Of course, more and more research has been showing the inferior financial outcomes for women throughout their working lives and into retirement, which

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rentvesting

With record high rents is rentvesting still a sound strategy?

With double-digit rent increases appearing to be entrenched for some time yet, does it still make financial sense to be a rentvester? This is a question that we have been considering given the strong increases in rents that are being recorded across the nation. Contrary to appearances in a high rent environment, rentvesting remains a solid – and sometimes – even recommended investment strategy for some property investors. Anyone who may be a bit younger, or who lives in an expensive city like Sydney or Melbourne, could still be considering rentvesting as a strategy given it generally remains cheaper to

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stirling perth

Why the City of Stirling is Perth’s hottest market

Perth is currently the star property market across the nation, with strong sales activity and price growth occurring.Plus, Perth now has one of the lowest unemployment rates in the nation at 3.6 per cent. The West Australian capital city is firing on all cylinders with one location showing particularly robust market conditions. I’m talking about the City of Stirling, which is located in the northern suburbs of Perth, about 10 kilometres from the central business direct. The area covers a substantial 105 square kilometre and is the largest local government area by population in Western Australia. What makes Stirling so

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mortgage cliff

Unpacking the “mortgage cliff” myth

Many of the media headlines of late have been dedicated to the supposedly imminent mortgage cliff but I believe time will show us it is nothing more than a myth. Seemingly the record low interest rates on offer during the COVID19 pandemic are going to cause our property market to fall in heap at any moment now that rates are higher than they were. Of course, the major issue with this scare mongering is the fact that the majority of mortgage holders were already property owners prior to this period, which meant that they, like me, just enjoyed the low-rate

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inflation

Inflation has probably peaked but have interest rates?

The Reserve Bank of Australia meeting in March was another hotly debated topic prior to its cash rate decision being announced on the first Tuesday of the month. Another rate rise had already been priced in by markets, so, the start of softer economic data was never going to be enough to change the outcome – which was a 25 basis point cash rate rise. However, the Reserve Bank’s commentary showed a decidedly different tone to the month before, with it being less hawkish about the path of monetary policy in the months ahead. In fact, the RBA Governor Philip

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living frugally

Living Frugally and Saving Money

We are living in a time of rising interest rates and the news is full of stats and figures about inflation and the rising cost of living.  Living frugally is one of the most effective ways to save money and build wealth. Frugality is a way of life that involves being intentional and mindful about how we spend our money. It means being conscious of our spending habits and making choices that prioritize long-term financial goals over short-term wants. Sometimes we don’t even have a choice.  So here are some practical tips on how to live more frugally and save

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female investors

Low rates of female investors can cause housing insecurity

Did you know that only about one in four property investors are females? To tell the truth you probably didn’t know – and nor did I – because the telling statistic has only come to light following the 2022 PIPA Annual Investor Sentiment Survey. For the first time in its eight-year history, survey respondents were asked their gender and only about 27 per cent identified as female. Now, while I knew that there was a difference between the numbers of male and female investors, it was still quite shocking to see how far behind women potentially are when it comes

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property ducks

Property sellers ducking for market cover

Do you remember what happened to property markets during the first year of the pandemic? Well, in 2020, amidst a variety of commentators wrongly calling the mother of property busts on the horizon, most sellers and plenty of buyers decided to wait it out. There was a lot of fear and uncertainty back then, for sure, because we were heading into the unknown from a health, economic, and property market perspective. A sense of déjà vu While our nation has experienced economic shocks before – the GFC started in 2008 for example – generally humans behave in the same way

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investor

Only 27 per cent of property investors are female

New research has highlighted the disparity between property investor genders with only 27 per cent of women indicating they own investment property. The 2022 PIPA Annual Investor Sentiment Survey asked survey respondents for their gender for the first time in its eight-year history which produced the telling statistic.  The co-authors of the 2022 Australian personal finance and investment business book of the year, The Female Investor: Creating Wealth, Security & Freedom Through Property, Nicola McDougall and Kate Hill, said lower rates of female property investment was another financial headwind women faced. “Throughout their working lives, women have to navigate the

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