Articles by Joseph Ballota

Joseph Ballota

Joseph is a Property Coach who put hundreds of people on the road towards wiping away their mortgage in under 5 years through expert Property Investment Plans.

If you want to get the best deal on a property, it’s going to take more than writing an offer and crossing your fingers it gets accepted. Effective negotiation isn’t rocket science, but it does require knowledge, effort and a fair amount of patience. Before you start offering purchase prices to agents, make sure you’re…

Not long ago, it was clear-cut: building new just didn’t make financial sense. As Nerida Conisbee, Ray White’s Chief Economist pointed out back in December 2023, “construction costs had dramatically outpaced house price growth, making it cheaper to buy an established home than build new.” At that time, the numbers were stark. Capital city house…

I’ve got a confession: I’m a terrible property investor. At least, that’s what conventional wisdom would tell you. You see, I’ve committed the ultimate sin in property circles: I’ve sold properties. Not just once, but multiple times. And to make matters worse, I’ve even told other people it’s OK to do the same. According to…

Australia’s property market is full of contradictions. While affordability remains one of the biggest challenges facing buyers, the so-called “affordable end” of the market is actually outperforming. Australia’s most affordable housing is experiencing significantly stronger price growth than typical properties, according to Nerida Conisbee, Chief Economist at Ray White. The trend is consistent across most…

It’s no secret that education for their children is a top priority for many Australian families. But what’s becoming increasingly clear, especially here in Melbourne, is just how much that priority is translating into cold, hard property premiums. In fact, the latest report from the Real Estate Institute of Victoria (REIV) reveals something most of…

There’s a quiet but powerful shift happening in the Australian economy, and it’s not getting the attention it deserves. More than half of Australian voters now rely on government support for their primary income. Whether it’s through public sector wages, welfare payments, disability support, childcare subsidies, or aged care funding, over 50% of voters are…

Australia’s housing market is showing its usual resilience, but the landscape is shifting in some important ways. The latest Mortgage Insights Report from Money.com.au reveals that while overall lending growth has slowed, investors are roaring back into the market and, for the first time in years, are almost neck and neck with homebuyers when it…

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