<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Property Planning Australia]]></title><description><![CDATA[Property Planning Australia]]></description><link>https://www.propertyplanning.com.au/blog</link><generator>RSS for Node</generator><lastBuildDate>Thu, 23 Apr 2026 16:38:21 GMT</lastBuildDate><atom:link href="https://www.propertyplanning.com.au/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Reverse Mortgage: Powerful Tool or Dangerous Trap?]]></title><description><![CDATA[Reverse mortgages – often misunderstood, sometimes overlooked and occasionally dismissed altogether. When it comes to retirement, most people spend decades focused on building wealth… but far fewer spend time planning how to actually use that wealth. In the right circumstances, reverse mortgages can be a powerful tool to unlock equity and support your lifestyle in retirement. Before you make any decisions, let’s break this down properly What Is a Reverse Mortgage? A reverse mortgage is a type...]]></description><link>https://www.propertyplanning.com.au/post/reverse-mortgage-powerful-tool-or-dangerous-trap</link><guid isPermaLink="false">69e8bc8d4d4008739086340e</guid><category><![CDATA[MORTGAGE EDUCATION]]></category><pubDate>Sun, 29 Mar 2026 13:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f17a4e_6009036d446b494ca14cb857aff34f17~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Property Planning Australia</dc:creator></item><item><title><![CDATA[The Property Planner’s Monthly Market Update: February 2026]]></title><description><![CDATA[Welcome to the Property Planner’s Monthly Market Update, your comprehensive resource for the latest insights and trends in the property and economic landscape!]]></description><link>https://www.propertyplanning.com.au/post/the-property-planner-s-monthly-market-update-february-2026</link><guid isPermaLink="false">69c0cf32f68fa4c22fbda4dd</guid><category><![CDATA[MARKET UPDATES]]></category><pubDate>Mon, 16 Mar 2026 23:34:24 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f17a4e_10561872a9144de6a7a441dbb0ed3d35~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Property Planning Australia</dc:creator></item><item><title><![CDATA[Build Wealth Faster with the Right Ownership Structure]]></title><description><![CDATA[Learn how choosing the right ownership structure for your investment property can protect tax outcomes and long-term wealth.]]></description><link>https://www.propertyplanning.com.au/post/build-wealth-faster-with-the-right-ownership-structure</link><guid isPermaLink="false">69c0cf32f68fa4c22fbda4e4</guid><category><![CDATA[PROPERTY EDUCATION]]></category><pubDate>Sun, 01 Mar 2026 23:01:37 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f17a4e_273fd41df43243fa8916564092714b21~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Property Planning Australia</dc:creator></item><item><title><![CDATA[Don’t Renovate Blind: How to Prepare Your Property for Sale]]></title><description><![CDATA[Before you renovate, learn how to prepare your property for sale and avoid costly mistakes that reduce your final sale price.]]></description><link>https://www.propertyplanning.com.au/post/don-t-renovate-blind-how-to-prepare-your-property-for-sale</link><guid isPermaLink="false">69c0cf32f68fa4c22fbda4e0</guid><category><![CDATA[PROPERTY EDUCATION]]></category><pubDate>Tue, 24 Feb 2026 04:08:53 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_3feee404956f472c8146d75274e3c36f~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Property Planning Australia</dc:creator></item><item><title><![CDATA[The Property Planner’s Monthly Market Update: January 2026]]></title><description><![CDATA[Welcome to the Property Planner’s Monthly Market Update, your comprehensive resource for the latest insights and trends in the property and economic landscape!]]></description><link>https://www.propertyplanning.com.au/post/the-property-planner-s-monthly-market-update-january-2026</link><guid isPermaLink="false">69c0cf32f68fa4c22fbda4e3</guid><category><![CDATA[MARKET UPDATES]]></category><pubDate>Thu, 12 Feb 2026 04:12:36 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f17a4e_eb5d2ec3bd10403bbf35f4eea4ea4ad3~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Property Planning Australia</dc:creator></item><item><title><![CDATA[Debt Recycling Made Simple to Grow Your Property Portfolio]]></title><description><![CDATA[Learn how debt recycling works, when it helps build wealth, and why it may slow paying off your home loan.]]></description><link>https://www.propertyplanning.com.au/post/debt-recycling-made-simple-to-grow-your-property-portfolio</link><guid isPermaLink="false">69c0cf32f68fa4c22fbda4df</guid><category><![CDATA[PROPERTY EDUCATION]]></category><pubDate>Tue, 10 Feb 2026 04:30:23 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f17a4e_12fee9ca42404ae9b1ed4047268e020c~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Property Planning Australia</dc:creator></item><item><title><![CDATA[2025 in Review – What We Predicted, What Actually Happened &#38; What’s Next for Property (Ep. 347)]]></title><description><![CDATA[How accurate were our 2025 property predictions? We score ourselves and reflect on what really happened.]]></description><link>https://www.propertyplanning.com.au/post/2025-in-review-what-we-predicted-what-actually-happened-what-s-next-for-property-ep-347</link><guid isPermaLink="false">69c0cf32f68fa4c22fbda4e1</guid><category><![CDATA[MARKET UPDATES]]></category><pubDate>Wed, 04 Feb 2026 00:29:38 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_d4d3fd442eaf42d3a701499f7c9cd9fe~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Property Planning Australia</dc:creator></item><item><title><![CDATA[How the New APRA Debt-To-Income Caps Affect You]]></title><description><![CDATA[APRA has announced a new cap on high debt-to-income lending. From February 2026, banks will be allowed to write no more than 20% of new loans with a debt-to-income (DTI) ratio of six or above. The limit applies separately to owner occupiers and investors. It’s also a hard cap, not a benchmark. On current data, the cap is not binding, but banks won’t want to run right up to the limit. Some lenders may tighten internal credit policies early and this is most likely to impact investors and higher...]]></description><link>https://www.propertyplanning.com.au/post/how-the-new-apra-debt-to-income-caps-affect-you</link><guid isPermaLink="false">69e8ce1025a9c96f142a0ade</guid><pubDate>Sun, 25 Jan 2026 13:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f17a4e_d5ca516d36c644f3b9aae9ea36b2a74f~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Property Planning Australia</dc:creator></item><item><title><![CDATA[The Property Planner’s Monthly Market Update: December 2025]]></title><description><![CDATA[Welcome to the Property Planner’s Monthly Market Update, your comprehensive resource for the latest insights and trends in the real estate and economic landscape! Stay informed and ahead of the curve with our expert analysis, helping you make well-informed decisions in the ever-evolving property market. 2025: Stronger Than Anyone Expected National dwelling values rose 8.6% in 2025, comfortably outperforming 2024’s 4.9% result and making it the strongest year since the COVID-fuelled boom of...]]></description><link>https://www.propertyplanning.com.au/post/the-property-planners-monthly-market-update-december-2025</link><guid isPermaLink="false">69e8c97925a9c96f142a0178</guid><category><![CDATA[MARKET UPDATES]]></category><pubDate>Wed, 21 Jan 2026 13:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f17a4e_36329350508c41f285b8de1dc7e89249~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Property Planning Australia</dc:creator></item><item><title><![CDATA[How a Positively Geared Investment Property Affects Borrowing Capacity]]></title><description><![CDATA[Borrowing capacity is one of the most misunderstood parts of the mortgage process, particularly when a positively geared investment property enters the picture. On the surface, it feels logical. More income should mean more borrowing power. But once lender calculators, income shading, and assessment buffers come into play, the answer becomes far less straightforward. This is exactly where confusion around borrowing capacity tends to start. Scenario: Same Income, Same Expenses, Different...]]></description><link>https://www.propertyplanning.com.au/post/how-a-positively-geared-investment-property-affects-borrowing-capacity</link><guid isPermaLink="false">69e8c64bbbc0f3ff7445c05e</guid><category><![CDATA[INVESTORS]]></category><pubDate>Wed, 14 Jan 2026 13:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f17a4e_3ffe096cea9144d187d660b465e35929~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Property Planning Australia</dc:creator></item><item><title><![CDATA[Why Airbnb Cash Flow Doesn’t Mean More Borrowing Power]]></title><description><![CDATA[Airbnb and other short-term rentals have become incredibly popular with property investors. Strong nightly rates, flexible use and impressive cash flow can make these properties look like a clear win. But when it comes to borrowing power, Airbnb income doesn’t always deliver the result many investors expect. A property can be producing excellent cash flow in real life and still add very little to borrowing power on paper. Understanding why lenders treat Airbnb and short-term rentals...]]></description><link>https://www.propertyplanning.com.au/post/why-airbnb-cash-flow-doesnt-mean-more-borrowing-power</link><guid isPermaLink="false">69e8c80eb17cf497ceb0d59e</guid><category><![CDATA[MORTGAGE EDUCATION]]></category><pubDate>Wed, 14 Jan 2026 13:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_260d67fad1074b7c9bc8b846520e97b6~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Property Planning Australia</dc:creator></item><item><title><![CDATA[How Competition Really Works in Property &#38; Why It’s More Than Just Who You’re Bidding Against]]></title><description><![CDATA[Competition in property isn’t just what happens on auction day. It operates on two levels at once. There’s the micro level, where buyers are directly competing against each other, and there’s the macro level, where the broader market is quietly heating up or cooling down in the background. Understanding both is critical, because by the time competition becomes obvious, it’s often already too late to adjust strategy. Early Signs of a Highly Competitive Property At the coalface, a highly...]]></description><link>https://www.propertyplanning.com.au/post/how-competition-really-works-in-property</link><guid isPermaLink="false">69e8c41b2b64352a7da0ba96</guid><category><![CDATA[PROPERTY EDUCATION]]></category><pubDate>Tue, 13 Jan 2026 13:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f17a4e_ab210342af86492aa4c5ddd1113f5fbd~mv2.jpeg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Property Planning Australia</dc:creator></item><item><title><![CDATA[The Property Planner’s 2026 Property Predictions]]></title><description><![CDATA[It’s that time of year again. We’re dusting off the crystal ball, pouring over the data and we take a hard look at where the winds are actually blowing. Here’s how we see 2026 unfolding. Inflation: The Deciding Factor Inflation is the single most important variable in our 2026 outlook. If it’s brought under control, interest rates can ease and property prices can move higher with confidence. If inflation proves sticky, rate cuts stall and the risk of further increases remains. Our view is...]]></description><link>https://www.propertyplanning.com.au/post/2026-property-predictions</link><guid isPermaLink="false">69e8c1642b64352a7da0b3e3</guid><category><![CDATA[PROPERTY EDUCATION]]></category><pubDate>Sun, 11 Jan 2026 13:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f17a4e_a3d47209ab7c46faa97469f33efcaa9b~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Property Planning Australia</dc:creator></item><item><title><![CDATA[Land to Asset Ratio]]></title><description><![CDATA[A critical driver of capital growth The ‘Land to Asset Ratio’ is a phrase we have been using since the early 2000’s to describe one critical assessment we undertake when reviewing the quality of investment properties. This phrase has steadily crept into the vernacular of other property professionals, but is not yet readily understood by most investors. What is Land to Asset Ratio? Knowing the Land to Asset Ratio is important because increasing land value is a primary driver of increases in...]]></description><link>https://www.propertyplanning.com.au/post/land-to-asset-ratio</link><guid isPermaLink="false">69e8b27f4d40087390861d51</guid><category><![CDATA[PROPERTY EDUCATION]]></category><pubDate>Wed, 14 May 2025 14:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f17a4e_6b6ba7e2f6c649b381ceb13074da74af~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Property Planning Australia</dc:creator></item><item><title><![CDATA[The Real Cost of Kids – How Dependents Impact Your Borrowing Power]]></title><description><![CDATA[Discover how kids impact your borrowing power and what parents need to know before buying, investing or renovating.]]></description><link>https://www.propertyplanning.com.au/post/the-real-cost-of-kids-how-dependents-impact-your-borrowing-power</link><guid isPermaLink="false">69c0cf78727acee2c06df5e8</guid><category><![CDATA[MORTGAGE EDUCATION]]></category><pubDate>Mon, 12 May 2025 02:05:19 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f17a4e_86d45c4791b34563b7203025e3d404d4~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Property Planning Australia</dc:creator></item><item><title><![CDATA[Property Portfolio Retirement Strategies: Holding, Selling and Managing Debt for Long-Term Wealth]]></title><description><![CDATA[Explore key retirement strategies to manage property, debt and wealth for a secure future. Learn how to make smart financial decisions.]]></description><link>https://www.propertyplanning.com.au/post/property-portfolio-retirement-strategies-for-long-term-wealth</link><guid isPermaLink="false">69c0cf990160b7de31531cc0</guid><category><![CDATA[INVESTORS]]></category><pubDate>Fri, 28 Feb 2025 03:29:19 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_7352415751796f55695651~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Property Planning Australia</dc:creator></item><item><title><![CDATA[Is Melbourne’s Property Market Nearing a Recovery? A Deep Dive Into the Numbers]]></title><description><![CDATA[In today’s blog, we delve into the data points that signal the potential for recovery emerging in Melbourne’s property market]]></description><link>https://www.propertyplanning.com.au/post/90-chance-of-a-rate-cut-on-feb-18-what-could-it-mean-for-melbourne-property</link><guid isPermaLink="false">69c0cfae6e2d813924918345</guid><category><![CDATA[MARKET UPDATES]]></category><pubDate>Mon, 17 Feb 2025 10:17:33 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f17a4e_a2e9a66b6bbe45b181332be548d4124c~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Property Planning Australia</dc:creator></item><item><title><![CDATA[The Ultimate Auction Day Playbook: Insider Tips and Strategies]]></title><description><![CDATA[We dive into what happens in the final week leading up to the auction and the intricacies of the day itself from the perspective of real estate agents, to give you the inside scoop. We’ll explore the meticulous preparations, potential hurdles, and behind-the-scenes activities that define the auction process.]]></description><link>https://www.propertyplanning.com.au/post/the-ultimate-auction-day-playbook-insider-tips-and-strategies</link><guid isPermaLink="false">69c0d0216e2d813924918479</guid><category><![CDATA[PROPERTY EDUCATION]]></category><pubDate>Sun, 04 Aug 2024 23:47:03 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f17a4e_ceee32fb90234639acba013366128b06~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Property Planning Australia</dc:creator></item><item><title><![CDATA[The Hidden Risks of House and Land Packages and Off-the-Plan Purchases]]></title><description><![CDATA[In this blog, we will delve into the performance risks and potential downsides you need to be aware of before making such an investment.]]></description><link>https://www.propertyplanning.com.au/post/the-hidden-risks-of-house-and-land-packages-and-off-the-plan-purchases</link><guid isPermaLink="false">69c0d0350160b7de31531e39</guid><category><![CDATA[PROPERTY EDUCATION]]></category><pubDate>Mon, 10 Jun 2024 07:33:41 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f17a4e_5dd5d6ca6bac401d91089e9f506eb62d~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Property Planning Australia</dc:creator></item><item><title><![CDATA[Camberwell Magpies Junior Cricket Club]]></title><description><![CDATA[As strong believers in the value of teamwork, discipline and community spirit, we are proud to support the Camberwell Magpies Junior Cricket Club. The club plays an important role in nurturing young cricketers, including both of David’s son, who has loved being part of the Magpies community. The Magpies have a proud tradition in Victorian cricket, providing opportunities for juniors to learn, grow and thrive. Their commitment to skill development, sportsmanship and inclusion has helped shape...]]></description><link>https://www.propertyplanning.com.au/post/camberwell-magpies-junior-cricket-club</link><guid isPermaLink="false">69e8acd4b17cf497ceb09526</guid><category><![CDATA[COMMUNITY SUPPORT]]></category><pubDate>Wed, 13 Sep 2023 14:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f17a4e_7276f7714cb94bbc8736a153d476052b~mv2.jpg/v1/fit/w_859,h_483,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Property Planning Australia</dc:creator></item></channel></rss>