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November 26, 2015

Focus on the fundamentals, not the name

How are these for solid property investment fundamentals: detached houses cost well under the national average price of $475,000; rental yields of 6 per cent-plus; population growth rate in line with the national average; controlled rates of new housing supply; average household income well above the national average; average age lower than the national average. How many locations can you think of with better credentials?


For the 15-year period ending December 2014, the average annual change in median house values in this location was 6.5 per cent and, when combined with median yields of 6.4 per cent, the total return gives this location a ranking that puts it among Australia’s top 40 per cent (209th out of 550 local government jurisdictions).

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November 25, 2015

Investor demand for property cooling as APRA measures bite

It looks like Australian property investors are reconsidering whether to enter the property market, with new data highlighting a pullback in investor demand around Australia and falling auction clearance rates in Sydney and Melbourne also pointing to easing demand for residential property.


Indeed, the campaign by Australian financial regulators to take the heat out of property investment could be working well, with the value of investor home loans dropping by 8.5 per cent in September, the largest fall in seven years according to the latest Australian Bureau of Statistics (ABS) Housing Finance data.

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November 23, 2015

The little-known trick that could save you from paying LMI

Lenders’ mortgage insurance (LMI): it’s a necessary evil for many property investors and it certainly has the potential to eat through a big chunk of your cash or equity.

Peter Bozinoski


LMI acts as an insurance premium for your lender, not for you as the borrower, although you’re the one stuck paying the fee. Without the advent of LMI, every borrower would be required to save a minimum 20 per cent deposit before buying a home or investment property – so for this reason alone, we must be thankful for its existence.

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November 20, 2015

Strategies for surviving an auction

Partaking in an auction can be a difficult task. I’ve attended many auctions in my career, and I’ve learnt that it’s very easy to get caught up in the excitement and atmosphere, which is why it’s important to remain calm and think sensibly about your decisions.

Peter Bozinoski


I recently viewed The Block properties and reveals – the apartment is luxurious, based in South Yarra and fully furnished with exceptional views of the CBD.

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7 reasons Australian property won’t crash

Is Australia’s property market really a precarious house of cards waiting to topple? There’s a property debate raging at present – some say the future for property is bright while others suggest our markets are set to crash.



After a number of boom years, especially in the Sydney and Melbourne property markets, we’ve entered a more mature stage of the property cycle and obviously it would be good to know who’s right if you’re considering investing in property or about to buy a home.

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November 18, 2015

How to hire a building inspection company

Some transactions are so routine you can complete them with your eyes closed. A house, however, is a big-ticket purchase that needs special attention.


For many people, buying property is unfamiliar terrain. Along the way, the process is often booby-trapped with pitfalls that can catch unsuspecting buyers off-guard. But those snags can be avoided.

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November 13, 2015

What are going to be the property “hotspots” in 2016?

I was recently contacted by a journalist from one of the major daily news sites asking me for my predictions on the property hotspots for 2016. Apparently, an article he wrote two years ago predicting the hotspots for the coming year was one of the most popular on their website, and now comicrawfordng to the tail end of the year it seemed opportune to write one for 2016 and for me to update my opinion.


While I love giving my opinions to the media, I hate being asked for “hotspots” because that’s not how I work.

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November 12, 2015

Were experts’ predictions on the money?

Twelve months ago, the Australian property market was quite a different beast to what it is today.

Peter Bozinoski


In my blog last October, I covered BIS Shrapnel’s predictions for the three years ahead. Now that so much has transpired – including Sydney’s record boom, Melbourne’s mini-boom and a number of unforeseen lending restrictions that have slowed investor spending – how did these predictions stack up? And just as importantly, what are the forecasts going forward?

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November 11, 2015

Tradies teaming up to become own developers

As property prices keep going north, buyers are looking at different ways to enter the property development scene. A growing trend is emerging whereby tradies get together and form their own development company, then buy sites to develop townhouses and/or apartments.

Peter Bozinoski


As tradies work for developers constantly, time and time again they think to themselves, “why can’t we be on the other side of the fence and become the developer?”. Well, you can. By teaming up with your workmates, you could soon be developing your own property.

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November 10, 2015

Official data reveals the falling housing costs in some Australian cities

There has been some recent good news for homebuyers in Australia. While property investors might feel they’re battling against high costs, a new report has revealed downward pressure on new housing costs in some Australian cities, notably in Perth and Darwin, while falling rents in many cities will help others save for a deposit for their first home.


Consumer price data released recently by the Australian Bureau of Statistics (ABS) for the September quarter reveal that the cost of buying a new home in Perth and Darwin made a negative contribution to the consumer price index (CPI) in the September quarter.

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