Strategic Property Insights

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

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

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

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

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 o

Discover how kids impact your borrowing power and what parents need to know before buying, investing or renovating.

Explore key retirement strategies to manage property, debt and wealth for a secure future. Learn how to make smart financial decisions.

In today’s blog, we delve into the data points that signal the potential for recovery emerging in Melbourne’s property market

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.

In this blog, we will delve into the performance risks and potential downsides you need to be aware of before making such an investment.

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

We unpack the logic behind the RBA’s 2-3% inflation target. What led the RBA to this figure, and how does it positively impact the economy, and why runaway long-term inflation above this level reduces our collective standard of living. All is revealed!

The trio delves into how the RBA manages inflation and why some inflation is a good thing (but not a lot).

As an organisation committed to fostering fitness, teamwork, and sportsmanship among children in our community, the Glen Iris Gladiators hold a special place in our hearts. It is at this club that David and Sarah’s two sons and many friends play football. The Gladiators boast a rich and illustrious history of success, proudly producing talented players who have made remarkable achievements in the sport, including reaching the pinnacle of the AFL. Their dedication to community

Why short-term investing has long-term consequences Property is a unique asset class, particularly considering the amount of money outlaid on costs other than the asset itself each time a property is traded. This means that mistakes on your property journey can be terribly expensive and carry long-lasting effects on your future wealth. If you start […]

We are thrilled to be an inaugural and ongoing sponsor of the Women’s Professional Golf Association Australasia (WPGA) Melbourne International, played at Latrobe Golf Club. We proudly endorse and sponsor the WPGA, an exceptional tournament that showcases the incredible talent of female golfers worldwide. At Property Planning Australia, we are deeply committed to fostering equality and empowering women. Recognising the significant earnings disparity between men and women in s

In this week’s episode Dave, Cate and Pete dive into the data dating back to 1970 to look at the history of property price movements and what caused them?

We were thrilled to sponsor Ollie Purcell’s journey to Serbia for the Federation Internationale de Natation (FINA) World Championships in Water Polo in 2022 and support the son of Matt and Rachel, friends and clients of ours, on his endeavour. It was a moment of immense pride for us to see Ollie, the Vice-Captain of the Australian Youth Men’s Squad, compete on a platform of such global significance and recognition. Ollie’s dedication and skill have made him an asset to his t

In this week’s episode Dave, Cate and Pete take you through how to factor land tax into your property portfolio, cash flows and future decision making.

In this week’s episode Dave, Cate and Pete take you through how to factor land tax into your property portfolio, cash flows and future decision making.