Property Blog
Plain-English guides on buying, investing, and the Australian property market.
Gross yield needs two real numbers on the same suburb, and Victoria is the only state that publishes both. Morwell 5.9%, regional Victoria on top; Toorak just 0.5%. Every yield measured from real bonds and real sale prices, not modelled.
Not estimates, the cheapest suburbs ranked by the median of rental bonds lodged. Narrabri at $280/week, Ingham at $345, Morwell at $400. Only the three states that publish open bond data, because everywhere else it'd be a guess.
Three big states, three philosophies: NSW helps first home buyers to $1M, Victoria cuts off dead at $750k, and Queensland just turned its old cliff into a ramp. Every saving computed and cross-checked against the revenue offices.
The 30% rule, run backwards: Sydney quietly requires a $114,000 salary to rent its median suburb without stress, Darwin asks $71,000. Every capital computed, plus the cheapest plausible doorway into each.
Stamp duty on a $750,000 established home: $22,200 in the ACT to $40,070 in Victoria, and $0 for first home buyers in NSW and the ACT. Every state, computed with our calculator schedules.
We ranked all 15,281 suburbs in our dataset by modelled median price within 20 km of each capital's CBD. Canberra's winner isn't even in the ACT.
The deposit is only one slice of the cash you need. Stamp duty, LMI, conveyancing, inspections and moving can add tens of thousands. Here is every upfront cost so nothing blindsides you at settlement.
How lenders work out borrowing power: income, living costs, debts and a 3-point rate buffer. What a card limit or car loan costs you, from our calculator, and five ways to lift the figure.
The income question is the real gatekeeper to home ownership. This guide turns "how much do I need to earn" into actual numbers, by price, deposit and debts, plus how to need less income to buy.
A July 2025 snapshot of price-to-income ratios in each capital and where prices were lower, with the interest-rate section updated to October 2026.
From choosing between houses and units to understanding depreciation, negative gearing, and exit strategy, everything you need to invest in Australian property intelligently.
On a $700,000 home, LMI runs from about $6,100 (15% deposit) to $24,600 (5%), and it protects the lender, not you. What it is, what it costs at each deposit level, and five ways to avoid it.
When you sell an investment property in Australia, CGT can take a significant chunk of your profit. Learn how CGT works, the 50% discount, the main residence exemption, and when to time your sale.
What stamp duty costs in each state and territory at an example price, and the first home buyer relief in each, verified against every revenue office between July and October 2026.
The deposit is the biggest hurdle for most first home buyers. Here are the most effective, and often overlooked, strategies to save faster, including schemes that can cut your deposit requirement in half.
The federal 5% Deposit Scheme lets eligible first home buyers buy with a 5% deposit and no Lenders Mortgage Insurance. Since October 2025: no income caps, no place limit. How it works, who qualifies, how to apply.
What each input on the home page and the borrowing capacity calculator does, and how to read the result.
Negative gearing is one of the most talked-about strategies in Australian property, but most explanations leave you more confused. Here's a clear, numbers-first breakdown.
From saving your deposit to settlement day: a plain-English walkthrough of every step, grant, and scheme available to first home buyers across Australia.