I am naturally a counter-cyclical investor; I tend not to invest in things that everyone else is buying. And that is one of the reasons why I have just bought an investment property in Melbourne. Melbourne is arguably Australia’s second city (in truth it is our largest city and some say it’s our best city). […]
This week sees the completion of the construction of a granny flat I am building on my investment property in Brisbane. It’s been quite a journey with a few ups and downs. I bought the investment property with the express intention of building a granny flat. Here is what I learnt from the process. […]
By Graeme Salt I am a simple guy, not much up to philosophy. But today I saw two apparently contradictory headlines which made me reflect on the state of the property market. They were: Is this the beginning of the property supercycle? Suburbs where property owners are selling at a loss Believe it or not, […]
Bank-bashing is one of those national past-times along with talking about property prices, the Melbourne Cup winner or the price of road tolls. Very few of us feel that much affinity with our bank these days. Yet, in the diverse and dynamic financial landscape of Australia, choosing the right bank can be a crucial decision. […]
By Graeme Salt It’s been 15 months since the Reserve Bank changed interest rates, but now, finally, we are getting some changes. Today’s interest rate cut shows that the economy is moving into a new phase and it will have a big impact on home borrowers. Today’s interest rate cut could be (though it’s far […]
Buying your first home is an exciting milestone, but it can also be a daunting financial challenge. One tool that can help first-time buyers achieve their dream of homeownership is Lenders Mortgage Insurance (LMI). While some may view LMI as an additional cost, it actually offers several significant benefits. Lower Deposit Requirement One of the […]
By Graeme Salt So, this is the moment. The moment when rate cuts are amongst us. After more than a year of speculation, most economists think interest rate cuts are imminent. What will be their impact? Prices in many cities are currently either plateauing or trending downwards; only Perth and Adelaide are now showing robust […]
By Graeme Salt House prices will rise nationally by 3.3 per cent over the next 12 months but a stronger 6 per cent in 2026, KPMG’s latest 6-monthly property report on Australia’s capital cities finds. The Residential Property Market Outlook finds unit (apartments and townhouses) prices will gain by 4.6 per cent in 2025 and […]
By Graeme Salt Finance Guru Warren Buffet once called compound interest ‘The Eighth Wonder of the World’ but I reckon he hadn’t heard of something intrinsically Australian that could give it a run for its money – the offset account. Offset accounts are powerful financial tools that can provide significant savings and flexibility for homeowners with a mortgage. These accounts are especially popular in Australia and other countries with similar financial systems. Below, I have summarised some of the benefits of an offset account. But, first, what is an offset account? […]
By Graeme Salt The first half of this year presents opportunities for those looking to get on the property market. But when the whistle blows, on key decisions in the second half, prices are likely to go up again. Buyers with the means to purchase will be able to take advantage of an ongoing […]
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