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 […]
By Graeme Salt Property may well be the biggest investment any of us make. The Australian residential property market stands at $11trn v. Superannuation at $3.9trn and listed stocks at $3.2trn. This is why the ups-and-downs of the property are a national pastime. As the property market goes up, so does our wealth. In fact, […]
By Graeme Salt Rates are coming down – but probably not as fast as we would like! Australia is tipped to record the second-highest inflation rate out of 42 countries next year. And as a result, the Reserve Bank is tipped to keep interest rates higher than other Central Banks. The good news is that […]
By Graeme Salt Fixed interest mortgage rates are tumbling as the banks prepare for rate cuts likely next year. Recently the country’s fifth-largest lender, Macquarie Bank, slashed a range of fixed rates by up to 0.40 percentage points. Such that now, of the lenders I can work with, the cheapest 3-year fixed mortgage is 5.39 […]
By Graeme Salt This is NOT advice – but I am buying an investment property in Melbourne. Median house prices in Melbourne are approximately 41 per cent cheaper than in Sydney. This gap represents a more than $600,000 difference in median house prices in August 2024. This is the cheapest that houses in Melbourne have […]
By Graeme Salt This week saw evidence that inflation is increasingly under control – prompting questions as to when (not if) the Reserve Bank will reduce interest rates. Underlying inflation fell to 3.4 per cent over the year to August. The Reserve Bank (RBA) aims for inflation to be in a 2-3 per cent band. […]
By Graeme Salt Prospective homebuyers are becoming increasingly confident about purchasing a property. And we might be getting closer to another period of property growth. New research shows that the majority of prospective buyers feel positive about getting into the market. Buyer confidence has increased markedly over the past three months, with a report from […]
By Graeme Salt Struggling to get on the property ladder? You may be beaten by someone backed by the Bank of Mum and Dad. Can’t get enough deposit? Someone may be accessing their parents’ equity Pipped to the post at auction? The winner may well have greater fire power due to a parental gift. Recently […]
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