We’ve all grown up with the idea that debt is bad. Pay off your mortgage as fast as you can. Avoid credit cards like the plague. And never, ever retire with debt hanging over your head. So every time I tell people that as a property investor I love debt – especially the kind that…
Australia’s housing market staged a turnaround in 2025, defying intense affordability and cost of living pressures to deliver an above decade-average growth rate of 7.7% through the year-to-date. National dwelling values are set to close 2025 at least 8% higher. This highlights how quickly conditions shifted after a challenging start. Markets entered 2025 under considerable pressure….
For a while there, “the next rate cut” started to feel like a foregone conclusion. Borrowers were counting on it, buyers were pricing it in, and the media narrative was drifting toward relief. But now the story is different, with most economists suggesting there won’t be another interest rate cut anytime soon. In a fresh…
Open a news site and you’ll be forgiven for thinking civilisation is sliding off a cliff. We’re told property is unaffordable, inflation is destroying household budgets, geopolitical tensions are rising, and technology is coming for our jobs. If you take the headlines at face value, the world seems chaotic and uncertain. Yet step back, widen…
Every so often, a headline flashes across the media warning that Australia is “becoming a nation of renters.” It’s dramatic. It’s clickable. And it taps into a very real anxiety among Australians, especially younger ones, who feel homeownership drifting further out of reach. But as with most sweeping claims about the property market, the truth…
Cotality’s national Home Value Index rose another 1.0% in November, marking the third month in a row where Australian home values have increased by one per cent or more. However, the pace of growth is moderating, coming down from 1.1% in October. Every month, investors, homeowners, and would-be buyers turn to the latest median property…
Home prices have continued to surge through spring with most capitals recording strong prices growth for both houses and units. The national capital city median house price surged by 1.3% over the November quarter to $1,270,561 compared to the October quarter, according to the latest data from My Housing Market. Annual national house prices are now…
The Australian Prudential Regulation Authority (APRA) has unveiled a new cap on high debt-to-income (DTI) lending – a move designed to keep a lid on riskier borrowing as the housing market gathers price momentum, particularly in Sydney and Melbourne. From February 1, 2026, banks will be restricted to issuing no more than 20% of new…
Every week the headlines tell you one thing… but the data often tells you something very different. This week’s numbers painted a picture that many property investors will find both reassuring and strategically important. Beneath the noise, there are clear signs of Australia’s housing market entering its next phase – one driven by rising construction…
Australia’s housing affordability has hit new lows over the past five years, with home values drifting even further out of reach and the share of income needed to pay a mortgage has nearly doubled, according to Cotality’s Housing Affordability Report. Even as mortgage rates have dipped, the cost of servicing a new loan remains stubbornly…
