@kauer So by that reasoning, houses are built for landlords and investors, not people who need somewhere to live. First home buyers are priced out before a single brick is laid, because the entire system is oriented around making property attractive to capital rather than habitable for humans. That's exactly the problem.

#housing #housingcrisis #firsthomebuyers

This report reads like a Property Council press release rather than analysis. Falling prices in parts of Melbourne are framed as a crisis, when for decades the real crisis has been housing becoming completely unaffordable for ordinary people. Victoria is one of the few states actually trying to increase supply, tax speculation and take pressure off renters and first home buyers. Of course the property lobby hates that. Affordable housing is not a nightmare for the public, it is only a nightmare for investors and developers who rely on endless price inflation. A correction after years of excess is not failure, it is overdue.

#housingcrisis #affordablehousing #melbourneproperty #victoria #propertylobby #renters #firsthomebuyers #housingpolicy

https://www.youtube.com/watch?v=e7uw1IqXTJs

5 Melbourne Suburbs CRASH in 6 Months | Victorian Premier's NIGHTMARE

YouTube

First home buyer warning with new Help to Buy scheme just days away: ‘Massive’

First home buyers will have another government support scheme from Friday. (Source: Clare O’Neil/x/AAP) First home buyers hoping…
#NewsBeep #News #Headlines #AU #Australia #ClareO'Neil #federalgovernment #Firsthomebuyers #helptobuyscheme #Mortgagebroker #NathanLinton
https://www.newsbeep.com/280635/

Prices rising fastest in inner cities and growth towns during expanded 5 per cent deposit scheme

Inner cities, wealthy suburbs and fast-growing towns topped the list of house price surges in the first month…
#NewsBeep #News #Headlines #AU #Australia #Cotality #depositguarantee #Firsthomebuyers #housingaffordability
https://www.newsbeep.com/242734/

BNZ cuts term deposit rates. We assess what is ahead

BNZ has trimmed some term deposit rates today (Wednesday). For all the main banks and for all the…
#NewsBeep #News #Headlines #borrowing #covid19nz #Delta #FHB #Firsthomebuyers #homeloans #lockdownnz #LVRs #Mortgages #NewZealand #NZ
https://www.newsbeep.com/100195/

The great mortgage loan provider switch continues

Latest Reserve Bank figures show that the amount of mortgage money changing loan providers hit a new high…
#NewsBeep #News #Headlines #banking #debt-to-incomeratios #DTIs #FHB #FinancialStability #Firsthomebuyers #houseprices #Lending #Macroprudentialtools #Mortgages #NewZealand #NZ #NZhousingmarket #NZrealestate
https://www.newsbeep.com/84221/

Tracking the mortgage rate changes following the OCR cut. ANZ moves, followed by Westpac

As widely expected, the Reserve Bank has cut the official cash rate again by another -25 bps to…
#NewsBeep #News #Headlines #borrowing #covid19nz #Delta #FHB #Firsthomebuyers #homeloans #lockdownnz #LVRs #Mortgages #NewZealand #NZ
https://www.newsbeep.com/71839/

These two can’t both be true:

On one hand, negative gearing is supposedly inconsequential to housing supply, rental stock, or renters.
On the other, investor borrowing—supercharged by tax perks like negative gearing—is literally choking out first-time buyers from homeownership.
And let’s not forget Victoria. Despite tougher land taxes and investor levies, there’s been no mass exodus of landlords and no collapse in rental availability. So much for the scare campaign that “reform will kill rentals.”

One of these stories is full of it. And it’s not the one showing how investors are flooding the market.

I wonder how many negatively-geared properties the author owns?

#auspol #NegativeGearing #HousingCrisis #FirstHomeBuyers #ausmedia

This Sinclair Davidson op-ed* insists that scrapping negative gearing won’t solve the housing crisis—and is simply ideological fluff. It claims “reforming” the scheme won’t build a single home, won’t help a single renter, and will only make life tougher for “small investors,” while claiming state governments benefit from high prices via tax revenue and thus oppose affordability reform.

https://www.crikey.com.au/2025/08/15/negative-gearing-australia-reform-housing-crisis-sinclair-davidson/

But hold up—just next door, a Guardian headline reports property investors borrowed a record $130 billion in the year to June 2025. They’re hogging the market, pushing out first-time buyers—116,000 new FHB mortgages issued vs nearly 200,000 investor loans, the highest level for landlords since 2022.

https://www.theguardian.com/australia-news/2025/aug/15/australian-property-investors-squeezing-out-first-time-buyers-as-record-borrowing-and-rate-cuts-drive-purchases

#auspol #NegativeGearing #HousingCrisis #FirstHomeBuyers #ausmedia

Should we scrap negative gearing? No, it will do nothing to solve Australia’s housing crisis

'Many people who negatively gear are on middle incomes, such as teachers, nurses, police officers and small-business owners. They are not speculating on mansions in Toorak.'

Crikey

Thinking About Using a Buyer’s Agent? Here’s What Actually Happens Next.

https://youtu.be/Kk7isBeSlT0

A Day in the Life of a Property Strategy Session

If you’ve ever filled out an enquiry form or called a buyer’s agent like myself, you might wonder — what happens now?

Most people expect a quick chat and maybe a few property emails. But there’s a proven, step-by-step process that I follow with every client to make sure you’re not just buying any property — you’re buying the right one for your goals.

This post gives you a transparent look at what goes on behind the scenes — including strategy, finance, shortlisting, negotiation, and final settlement support.

1. Discovery Call — Understanding Your Big Picture

This is where we map out your goals, finances, lifestyle preferences, and long-term plans. Whether you’re an investor, first-home buyer, or planning retirement income, I tailor the conversation to your situation.

Questions I might ask:

  • Are you after cash flow, capital growth, or both?
  • What’s your borrowing capacity (or deposit)?
  • Do you have a property already in mind — or are you feeling overwhelmed?

We also talk about locations, ideal property types, timing, and concerns you’ve had with previous searches.

2. Finance Strategy & Pre-Approval

Before you start falling in love with realestate.com.au listings, we need to be realistic about your budget. This step includes:

  • Reviewing income, liabilities, equity, and future plans.
  • Selecting lenders based on your specific scenario (e.g. self-employed, retired, or looking for offset/redraw).
  • Structuring the loan for future growth — not just one property.

I work as a mortgage broker too, so I help you get pre-approval fast, often in days, not weeks.

3. Your Property Strategy Session

Here’s where we get into the details that most buyers overlook. I’ll show you:

  • What suburbs match your goals (based on growth, yield, or price)
  • What recent sales tell us about your chosen area
  • What you can expect to get for your budget

This spreadsheet compares three shortlisted suburbs based on historical growth, average rental yield, vacancy rate, and infrastructure projects.

We also talk through exit strategy, risk buffers, and future borrowing.

4. Property Shortlisting & Inspections

Once we’re aligned, I begin sourcing on- and off-market opportunities.

You’ll get access to:

  • Handpicked property lists (not spammed links)
  • Inspection feedback from agents or myself
  • Estimated rent returns and renovation potential

This is the part clients love — no more wasting Saturdays at open homes with 40 other buyers.

5. Offer & Negotiation

I handle the negotiation — including how to present a strong offer, read the agent’s positioning, and move fast without overpaying.

Depending on the strategy, I might recommend:

  • A low offer with a long settlement
  • A clean, cash-like offer with shorter terms
  • Walking away — if the deal doesn’t stack up

I’ve saved clients tens of thousands here. Not because I play hardball, but because I understand what’s behind the seller’s motivation.

6. Due Diligence & Settlement Support

We coordinate with your solicitor, lender, and conveyancer to ensure:

  • Contracts are reviewed properly
  • Building and pest inspections are ordered
  • Finance approval goes through smoothly

And I stay with you all the way through settlement — because you shouldn’t be chasing emails at 11pm to check if the bank has released funds.

Final Thoughts

Using a buyer’s agent isn’t just about outsourcing the hard work. It’s about getting clarity, removing emotion, and making strategic decisions based on facts, not guesswork.

Whether you’re buying your first home or building a portfolio, the process matters. If you want help building a clear plan, negotiating better, and saving money along the way reach out today for a quick chat. Simply fill in the form on the bottom of this page:

#BuyersAgent #DreamHome #HomeBuyingTips #MortgageBroker #PropertyInvestment #TruthGroup #BrandNewHomes #BuyersAgentSouthWestSydney #BuyersAgentsHoxtonPark #BuyersAgentsSouthWestSydney #FirstHomeNextHomeBuyers #FirstHomeAndNextHomeBuyers #FirstHomeBuyers #HomeAndLandPackages #HomeOwnership #HouseAndLandPackages #HouseAndLandPackagesNSW #HouseAndLandPackagesQLD #InvestmentStrategy #investmentproperty #mortgageBroker #mortgagePlanning #PositiveCashflowProperties #positiveGearedPropertyInvesting #PropertyInvesting #wealthCreation