Why a Bank Valuation is More Reliable Than a Sales Appraisal
When determining the value of a property, two common approaches come to mind: a bank valuation and a sales appraisal. While both aim to provide insights into a property’s worth, they serve different purposes and are tailored for different situations. A bank valuation, however, stands out as the more reliable and practical option—especially when accuracy matters.
Understanding Bank Valuations
A bank valuation is a formal process conducted by an independent, qualified valuer, usually requested by a financial institution. The goal is to assess the property’s true market value based on tangible data like recent comparable sales, current market conditions, and potential risks. This valuation ensures the lender has a realistic understanding of the property’s worth to minimise financial exposure.
Learn about the different types of valuations the bank does, check out this blog Desktop, Kerbside & Full Property Valuations – What’s what?
The Role of Sales Appraisals
A sales appraisal, in contrast, is typically carried out by a real estate agent. It estimates the property’s potential selling price in the current market, often leaning toward a more optimistic figure to attract sellers. While helpful for gauging market trends, it’s not uncommon for sales appraisals to differ significantly from actual sale prices due to factors like agent bias, market fluctuations, or seller expectations.
Why Bank Valuations Are Superior
Why This Matters to You
While a sales appraisal might provide an appealing snapshot of what your property could sell for, it doesn’t guarantee accuracy or realism. A bank valuation, however, gives you a grounded perspective, making it the better option for critical decisions like securing a mortgage or refinancing.
At Capital Properties, we recognise the importance of reliable property insights. Whether you’re buying, selling, or refinancing, we’re here to guide you every step of the way. Our team works closely with trusted professionals to ensure you have accurate, dependable valuations to help you make informed decisions.
Contact us today to learn how we can support your property journey!
Economy – Future Prospects
Navigating economic trends for ADF property investors
Understanding the economic outlook
For Australian Defence Force (ADF) property investors, understanding the economic outlook is essential to making smart investment decisions. As we write at the end of 2024, the Australian economy is at a crossroads. With a steady inflation – now under 3% – and unemployment rate of 4.1% here in Australia the future prospects for the Australian economy are promising.
However, factor in global uncertainties and the outlook looks slightly less auspicious. In this post, we’ll examine the relevant global and Australian economy and what the future prospects mean for your property investment strategy.
At Capital Properties, we understand the unique challenges and opportunities faced by ADF members. As we approach the end of the year, it’s the perfect time to review your financial goals. Is your portfolio performing as you’d expected? Are you positioned for success in 2025 and beyond? And are you up to date with what’s happening with the economy and how that affects your future prospects?
If you’re not answering “100% yes” to these questions, then book in for your FREE Capital Properties Discovery Session and gain access to our Property Investment Tools & Apps and Pinnacle Support Program.
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Global influences on the Australian economy
The global economy has faced significant challenges over recent years. From the Covid 19 pandemic disruptions to geopolitical tensions – i.e. Russia vs Ukraine, war in the Middle East, and the return of Donald Trump to the Oval Office (which could potentially alter our relationship with China) – it’s all feeling rather tumultuous.
The latest World Economic Outlook from the International Monetary Fund (IMF) shows that global economic growth is steady but slower than hoped, with risks leaning toward things getting worse. There’s a predicted slowdown in major economies like the US and China. So we’re likely to see the effects of inflationary pressures, central bank interventions, and fluctuating trade dynamics. However, because Australia is blessed with valuable natural resources, we benefit from the global demand for energy, minerals, and agricultural goods. This should be enough to ensure our economy remains resilient.
In the RBA Board September Monetary Policy meeting, when discussing the relationship between Australia’s monetary policy settings and global central banks they said “Members agreed that, while it was important to take account of economic developments abroad, it was not necessary for the cash rate target to evolve in line with policy rates in other economies, since Australian inflation was higher, the labour market stronger and monetary policy less restrictive than in many other advanced economies. The exchange rate could also adjust as interest rate differentials between Australia and other economies evolved.”
Australian economy – future prospects
According to the Australian Industry Group (AIG), economic growth is expected to be modest over the next two years. Gross domestic product (GDP) growth is likely to stay around 1.6%, potentially improving slightly to 1.8% in 2025. The AIG attribute a decline in business investment, housing investment and export growth to this stall of economic growth. They also emphasise that “one of the principal factors dragging on the Australian economy is inflation. Despite some recent improvements, it is proving stubbornly difficult to bring under control.”
We’ll take a closer look at where we’re at with inflation in the next section…
It does seem however that lower interest rates have finally started to boost consumer spending. In November 2024, the Westpac–Melbourne Institute Survey of Consumer Sentiment Index (which measures changes in the level of consumer confidence in economic activity) showed that consumer confidence reached its highest level in 2.5 years. This was mostly because households were reassured that interest rates wouldn’t rise further. Although, to be fair, overall confidence is still relatively low and many households are still struggling.
According to recent Australian Prudential Regulation Authority (APRA) data, around 35,000 Australian households are unable to repay their mortgages. That represents approximately $23 billion in loans – a figure that’s doubled since 2016 – so it paints a grim picture.
What’s happening with inflation in Australia?
Consumer inflation – measured by the consumer price index (CPI) peaked at 7.8% per year in late 2022. Thanks to a slowing economy and 13 (almost consecutive) interest rate hikes, we’re now closer to the target 2-3%, sitting at 2.8%. It is, of course the Reserve Bank of Australia (RBA)’s job to monitor inflation and we know they’re aiming for a steady target of 2-3%. And, if you’re sitting there wondering what inflation has got to do with property investment – have a quick read of our blog post “What is the relationship between inflation and interest rates?”.
But as well as monitoring CPI, we also need to take the Producer Price Index (PPI) into account. The PPI tracks business costs and unlike the CPI, it’s unfortunately rising again – now sitting at 4.8% per year. And we can’t blame global issues like supply chain problems and energy costs like we did in 2022. Inflation is now mainly caused by local issues. Prices for goods traded internationally are rising slowly at 1.5% per year, but non-tradable items like services, which are affected by wage increases, have much higher inflation at 5% per year.
The future prospects for inflation still look challenging. The Treasury predicts that inflation will stay above target for another year, and the RBA expects it could take two years. This means interest rates probably won’t drop as soon as many would like. And that means that borrowing will stay relatively expensive and living costs are likely to remain higher than we enjoyed pre-pandemic.
What the economy – future prospects mean for ADF property investors
As an ADF member, you’re in a unique and pretty privileged position. Your steady income and Defence Force housing entitlements offer remarkable financial security. And with the Capital Properties team in your corner, you can navigate changeable economic conditions with greater confidence. Despite all the uncertainties in the current and future economic landscape, we’ll help you look at the factors that might impact your property investment opportunities:
Despite the economic turbulence in the last few years, the Australian property market is showing great resilience. Housing trends indicate steady growth in high-demand areas, particularly in regional and outer suburban locations. ADF personnel can take this advantage of this by staying up to date on housing trends. Our blog post “Australian housing trends” is a great place to start.
With inflation easing and interest rates stabilising, it’s predicted that we’ll see interest rate reductions in early to mid-2025. Lower rates could mean more affordable borrowing, allowing you to expand your property portfolio. And utilising government and Defence Force grants can get you there even sooner. Check out our blog post “Buying a house while in the defence force” for more details.
The rental market remains tight, with vacancy rates still maintaining historic lows. This trend is likely to continue for some time, providing strong rental yields for property investors. For ADF members, this can translate into additional income streams while posted elsewhere.
Trends to watch if you’re thinking of investing in property in 2025 (& beyond)
To stay ahead in the property game, it’s essential to keep abreast of what’s happening in the market. Here are several key trends we’ll be monitoring:
In Australia, the Federal Government works with state and territory governments to develop cohesive regulations through the National Construction Code (NCC). That includes regulations around sustainability and energy efficiency. There are fundamental procedures that must be adhered to – such as the Deemed-to-Satisfy (DTS) elemental provisions for energy efficiency (Section 13 of the Housing Provisions). The good news is that getting on board with eco-friendly features in your investment property is very likely to increase property value and attract long-term tenants.
Keep an eye on areas that are, or will be, benefiting from infrastructure upgrades. Projects like new transport links or schools can significantly boost local property values. For example, the upcoming Western Sydney Airport has sparked interest in nearby areas like Badgerys Creek. New roads, business hubs, and residential developments are underway. Getting in early and investing in areas with projects like transport links or schools have the potential of strong capital growth.
Plus, thinking outside the box, for example investing in commercial spaces, can also pay dividends. Read our November 2024 blog post “Industrial warehouse office conversion” to hear about our experience with re-developing a commercial space.
Australia’s population is growing steadily. Driven largely by migration, which accounted for 81% of the country’s growth in 2023 according to the Australian Bureau of Statistics (ABS). Regional areas are also experiencing an influx, as migrants and locals alike explore opportunities outside major cities. This increases housing demand, opening up potential opportunities for property investors.
Capital Properties: supporting ADF property investors
We know that a career in the ADF doesn’t always allow you the indulgence of time to keep up with what’s happening with the Global or Australian economy. And the knock-on effect on the property investment market. That’s why the expert team at Capital Properties are here to guide you. With years of experience working alongside ADF members, we understand your needs and goals. We’ll help you navigate the economic landscape so that you can build a secure future and achieve financial freedom.
Book your FREE Capital Properties Discovery Session and/ or follow up with the Switched-On Strategy Series now.
Note: This information is general advice only. Always do your own research and seek independent financial advice
What’s happening in the Australian construction industry?
Lets Review the Challenges facing Australian housing construction
We think it’s fair to say that nobody will be surprised to hear of the tumultuous couple of years we’ve experienced in the housing construction industry here in Australia. It seems like every few weeks we’re hearing of another construction company going under. And the stats show the sector is sadly still suffering the highest rate of insolvencies of any industry. The corporate watchdog Australian Securities & Investments Commission (ASIC), reported 2832 construction industry insolvency appointments in the 2024 financial year. A depressing 28% more than the previous year.
It’s why the Albanese Labor Government has focused on housing in the 2024–25 Budget with its promise to invest $90.6 million in the construction and housing sector. In this housing construction industry update, we’ll explore recent trends, challenges, and opportunities for investors, particularly those in the Australian Defence Force (ADF).
As property investment specialists, the team at Capital Properties know how vital it is to support the construction industry and educate investors on how to navigate this tricky market. It’s our job to make sure you know how take advantage of property investment opportunities to secure long-term financial future.
Book your Capital Properties Discovery Session to meet with our expert team and make sure you’re primed for investment opportunities. And remember, Capital Properties clients have access to our Property Investment Tools & Apps and Pinnacle Support Program.
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Current housing construction situation
It might sound counterintuitive to hear that Australia’s overall construction industry is actually experiencing growth. The engineering sector, which focuses on building infrastructure for transport, energy, industrial, etc., has grown by 8.3% this year, and accounts for around half of all construction activity in Australia. However, home building isn’t following the same trend. Out of $258 billion worth of work in 2023, only $81 billion was in housing construction.
This stalemate in housing construction, combined with other factors like increased population growth, has led to a significant shortage of rental accommodation which many are calling “the housing crisis”. Economists at the Housing Industry Association (HIA) have said that 205,000 new homes will be required each year to meet demand. With fewer than 175,000 new homes built in 2023, we’re falling well short of what’s required.
On the 8th of May 2024, Julie Collins, the Minister for Housing, Homelessness and Small Business said: “Our Government knows that building more homes is the best way to address Australia’s housing challenges, which is why we have an ambitious national target to build 1.2 million homes.”
Issues and opportunities in Australian housing construction
So, let’s take a closer look at the current housing construction situation. Firstly, there are great opportunities for growth due to:
But the industry is facing significant issues, including:
We’ll examine each of these further below.
FACTORS DRIVING HOUSING CONSTRUCTION DEMAND
At the time of writing (October 2024) it’s projected that 167,000 new homes will have been built this year. And the expectation is that it’ll average out to approximately 180,000 per year thereafter. This falls well short of the recommended 205,000 homes required to meet demand. Of course, this varies across different states and territories, but some states like Queensland are feeling it the most.
Source: https://www.amp.com.au/insights-hub/blog/investing/econosights-state-housing
Population growth
The Australian Bureau of Statistics (ABS) confirmed that Australia’s population reached a record 27 million earlier this year – and it shows no sign of slowing down. Almost 650,00 people arrived in Australia in the 12 months to March 2024. Australia’s population grew by 164,635 in the first 3 months of the year alone – 133,802 of those from overseas migration. This has led to a severe housing shortage, particularly in urban rental accommodations, driving rental prices higher and putting immense pressure on the housing market.
The ABS have predicted that overseas migration could continue to increase Australia’s population from 27 million in 2024 to somewhere between 34.3 and 45.9 million people by 2071.
Net zero targets
The Australian Government has developed an ‘Infrastructure Net Zero’ Initiative, working with government and industry stakeholders to create policies and encourage innovation to achieve the decarbonising of infrastructure. With support from organisations like the Australian Contractors Association and researchers from the University of New South Wales (UNSW), a national reference guide has been created to help move Australia towards its net zero target.
This innovation will of course come at a cost (estimated at $1.3m) to achieve new emissions targets, and specialist knowledge will be required. So, yes, this offers an opportunity for innovation and growth. But, in an already struggling industry these new challenges will be another obstacle to surmount.
AUSTRALIAN HOUSING CONSTRUCTION CHALLENGES
Supply chain disruption and higher material costs
The pandemic highlighted major issues with Australia’s construction supply chains. Customers were more understanding of the delays and shortages of critical materials in 2020, but the recovery isn’t happening as quickly as anyone would like. With global economies still reeling, the supply chain disruptions look set to continue for some time yet.
Materials like timber, steel, and concrete are still harder to come by, and higher shipping and production costs are continuing to drive up prices. The Hays Construction Industry Report Australia FY24/25 reported a 5.9% increase in overall construction prices in last year. These rising costs affect project timelines and budgets, making it difficult for developers to maintain a profit.
Skilled labour shortages
The Australian construction industry is facing a severe shortage of skilled workers. The above-mentioned Hays Construction Industry Report states that Australia will need 90k new construction workers – immediately – in order to meet the government’s housing targets. Build Australia puts the figure closer to 130,000.
In the Feb 2024 ABS ‘Job Vacancies Survey’ construction businesses reported almost 280,000 job vacancies across the sector. That’s why the government announced a spend of $90.6 million in the 2024-2025 budget to increase the number of skilled construction workers. This includes a program for incentivised (or free) TAFE training and encouraging migration of skilled workers.
Interestingly the Irish Government had launched an expensive advertising campaign aimed at encouraging skilled labour to “build back home” to fill a shortfall of 50,000 jobs in Ireland. So, it will be interesting to see if our government’s plan to encourage migration of skilled workers will work.
Either way, these solutions certainly seem like long-term fixes to an immediate problem.
Inflation and the cost of living
Many Australian households are barely coping after 13 (almost) consecutive interest rate hikes in 15 months since May 2022. Rents are at an all-time high and essential items such as food, utilities and mortgage repayments have almost doubled in some cases. That means that people are more likely to stay in their existing homes, rather than risk applying for mortgages at higher rates. And many would-be homeowners have been priced out of the market.
Elevated borrowing costs also means that some developers have been cautiously awaiting more favourable interest rates before investing or re-investing.
Lower housing approvals
The combination of higher material costs, labour shortages and high interest rates result in less developers applying for new housing (dwellings). In fact, new dwelling approvals in Australia are at the lowest they’ve been for 12 years. For the year to June 2024 almost 163,000 houses and apartments were approved. That’s a drop of 8.5% on the previous year and the lowest we’ve seen since 2011-12.
Michael Bleby, Deputy Property Editor from Australian Financial Review (AFR) wrote in September 2024 that Labor’s hopes of building 1.2 million new homes in five years are fading fast. Master Builders Australia (MBA) estimates that only 1,033,962 new homes will be built over the five years to 2029, which is down more than 53,000 from the 1,087,325 total it predicted in April.
Outlook for Australian housing construction
In the Housing Industry Association (HIA) “Housing Australia’s Future 2024 Report”, they say: “this analysis has defined a range in which building activity will need to sit over the next thirty years. This is to account both for population growth and for the various factors defined throughout this report that influence housing demand. At an Australia-wide level, it is estimated to be between 190,000 and 275,000 new homes per year.”
The government is under pressure to relieve the current ‘housing crisis’ and the budget reflects this. With the Housing Australia Future Fund and the National Housing Accord they’ve allocated more than $9.5 billion to housing in this financial year. The good news is that economists predict this will start paying off. It’s predicted that there will be solid growth from 2026, with total building increasing to $130.4 billion – an increase of 9%.
Opportunities in the Australian housing market
To meet the escalating demand, the housing construction industry will need to invest in building innovation and sustainable practices as well as skilled labour. Builders are forced to offer more attractive workplace benefits, including competitive salaries along with training and development programmes that allow for career progression. This investment will pay off in the long term with more economical and efficient practices and better retention for skilled workers.
This housing construction industry update shows that changes are necessary to facilitate increased construction and they can’t come quick enough. Both state and territory governments are under pressure to streamline building approvals, and grants are available to encourage the adoption of innovative construction methods such eco-friendly buildings or prefabrication as well as investment in technology.
High rents and rental yields mean that many investors are taking advantage by putting money into new builds. The Australian Bureau of Statistics (ABS) show investor loans for new home construction increased by 7% before seasonal adjustment from June 2024 to $1.6 billion.
For ADF property investors, the changes in the housing construction industry presents challenges, but also opportunities. The team at Capital Properties are keeping a close eye on market trends and government initiatives aimed at boosting housing supply. It’s our mission to help you understand these dynamics so you can make informed decisions on when and where to invest to meet your long-term financial goals.
To make sure you’re perfectly poised to take advantage of any investment opportunities, we recommend that you book into our FREE Capital Properties Discovery Session and/or our Switched-On Strategy Series.
Note: This information is general advice only. Always do your own research and seek independent financial advice
Matthew’s journey from property investment client to consultant
At Capital Properties, we pride ourselves on not only helping Australian Defence Force (ADF) members achieve their property investment goals but also on nurturing and supporting our clients beyond their service years.
Matthew Bondarczuk’ s journey is a testament to this commitment. Starting out as a client of Capital Properties, Matthew has transitioned to a pivotal role as a Property Consultant within our expert team. Looks like he saw something in us, just as we did in him! This is his story.
Our free Capital Properties Discovery Session is designed to help you make informed investment choices and take advantage of the various entitlements for Defence members.
You can click on the link to book, visit our website, or call 1300 653 352 to speak to Matthew or another Capital Properties expert.
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Meet Matthew Bondarczuk
Matthew grew up in sunny Perth, Western Australia, At the age of 17, he pursued his dream of joining the Australian Defence Force, fulfilling that ambition with distinction by serving for 10 years in the Royal Australian Navy as both a sailor and an officer.
Not one to rest on his laurels, Matthew pursued extensive education in the Navy, completing multiple engineering qualifications and associated diplomas in leadership and project management. He was awarded the Navy Innovation Award for his paper submission and research study titled “Financial Education – A Critical Retention Tool for the Royal Australian Navy.”
The Former Chief of Navy Michael Noonan testified that “Matt is a dedicated, highly respected, and widely experienced Naval Officer. With qualifications in Leadership, Business, Engineering, and Risk Management, he is a very versatile leader and Defence professional. Matt is driven and conscientious and goes out of his way to help others.”
What drives Matthew
Matthew is an avid traveller and 4WD enthusiast. But giving back is where he finds true satisfaction. He dedicates his spare time to volunteering, assisting veterans, and representing the Australian Veteran Alliance in the DVA Young Veterans Contemporary Needs Forums.
Not one to shy away from challenges, Matthew will admit that one of his most onerous experiences was completing the clearance diver assessment in the winter of 2018. This rigorous process tested his physical and mental limits, but it also solidified his resilience and determination. And it’s that same grit that impressed us here at Capital Properties when we first had the pleasure of meeting him.
Transitioning to Capital Properties
Matthew became a client of Capital Properties between 2016 and 2017 when he sought out the guidance of our strategic property investment services. Matthew’s first impression of Marcus Westnedge (Owner of Capital Properties) was that he was easy-going, switched-on property expert, whose expertise and approachable nature made a lasting impression.
And Marcus could see that Matthew had a very similar vision to his own when it came to building a brighter future for himself and his family, as well as a drive to help others in the ADF achieve their future financial success.
From Client to Consultant
Matthew believes that serving our nation is crucial and often undervalued. He saw the potential of leveraging Australian property as a growth asset to provide financial stability post-service. His own successful property transactions ignited a passion for property investment, leading him to dedicate himself to helping others achieve similar success. To ensure his proficiency, he’s currently three-quarters of the way through a Bachelor of Business, majoring in property and development.
So, when Matthew joined the Capital Properties team as a Property Consultant in 2024, we knew his firsthand experience as a client meant he had a clear understanding of Capital Properties operations, values, and dedication to our clients’ success. And his experience and education give him unique insights into the challenges and opportunities faced by ADF members choosing to invest in property. All of which meant his transition into the Property Consultant role at Capital Properties was seamless.
Matthew’s property investment success
Capital Properties helped Matthew achieve his goals through strategic investment planning and emphasising the importance of time in the market rather than trying to time the market.
Together with his wife Brehanna, they’ve built a substantial portfolio while maintaining a healthy lifestyle balance. This personal success story is a testament to the effectiveness of Capital Properties’ property investment strategies. And it’s meant that Matthew has been able to enjoy a successful balance between professional growth and personal fulfillment.
Matthew highlights three key elements that make Capital Properties stand out:
Matthew’s property advice for ADF Members
Matthew believes that property investment in Australia can be incredibly empowering as a growth asset, and he emphasises the importance of diversifying your strategy to include a balance of cash flow and capital growth.
But, before you do anything, book in for a FREE Discovery Session. Matthew agrees that it really is the best place to start your property investment journey. Then, he advises establishing a savings goal and setting up a locked (two-to-sign) savings account with someone you trust. This discipline can significantly accelerate your savings and investment journey.
When it comes to making that all-important property investment purchase, Matthew advises removing emotion from the buying process and engaging a professional. Emotional decisions can lead to overpaying, while data-driven decisions ensure informed investments.
And get to know your entitlements. ADF members benefit from a low-cost living lifestyle, housing subsidies, corporate partnerships with lenders for preferential rates, and significant concessions in certain states/territories, which can save up to $50,000 in some cases. These advantages make property investment an especially beneficial strategy for ADF members. Check out Defence Force loans and entitlements here.
On a personal level, Matthew, his wife Brehanna, and their daughter Morgan plan to travel around Australia over the next few years. The plan is to settle down in the NSW alpine region while continuing their property investment journey to build generational wealth. And we wouldn’t be surprised if one of his investments included a winery as he’s been itching to learn winemaking.
Right now though, Matthew aims to assist others in unlocking their financial futures through strategic property investment, helping them achieve long-term financial freedom.
Matthew’s passion for property investment and dedication to helping others achieve financial stability make him a valuable asset to our team. We are proud to have Matthew on board and look forward to the continued success of our clients, guided by his expertise and experience.
Matthew Bondarczuk’s journey from client to consultant at Capital Properties exemplifies the transformative power of strategic property investment. You can enjoy the same success and the best place to start is with our FREE Discovery Session.
Managing your investments is made easier and more efficient with our Capital Properties free online tools and apps.
Industrial Warehouse Office Conversion: Capital Properties HQ on the Sunshine Coast
Sunshine Coast HQ enhances work and lifestyle
From warehouse to workplace – the commercial conversion that feels like home
At Capital Properties, we’re all about creating spaces that support our goals, both in life and in business. Our recent(ish) move to a converted industrial warehouse in Coolum Beach is a testament to this philosophy. After having settled in for more than a few months now, we’re thrilled to say our Sunshine Coast headquarters (HQ) has proven to be a huge success. The conversion process was reasonably straightforward – we talked about the details in this blog post: “Capital Properties sunshine coast headquarters project” and it’s been worth every cent.
It really is more than just a workspace – it’s elevated almost every aspect of our daily lives. We’re proud to have created a space that supports our team’s productivity, lifestyle, and connection with community. It turns out we’re not the only ones enjoying this new way of working/living. Read on to learn why warehouse conversions are a trend that’s worth embracing.
Book a Capital Properties Discovery Session to see how warehouse conversions can elevate business and lifestyle and become savvy investments.
And remember, as a Capital Properties client, you’ll gain access to our exclusive Property Investment Tools & Apps and comprehensive Pinnacle Support Program to support your investment journey.
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Prime location for work and lifestyle
First things first, one of the main reasons for the success of our new space is of course, the location. Yep, that old chestnut: location, location, location! The new Capital Properties HQ is conveniently located at 18 Lomandra Place, Coolum Beach, just minutes from Capital Properties Founder, Marcus Westnedge’s home. And it’s close to local schools, so it’s perfect for drop-offs and pick-ups, making our workday commute/family commitments pretty seamless. There aren’t many offices that you can literally drive right into in less than 6 mins after leaving home!
And because we’re all about balance here at Capital Properties, we didn’t want an office destination that was just about work. It’s why we intentionally chose a vibrant spot that would add some extra enjoyment to our day-to-day.
Three doors down is Black Flag Brewery, a local favourite for after-work relaxation, and nearby Coolum Beach Brewing Co. serves delicious meals along with a great brew.
For a change of pace, we have access to fun, local destinations like Chiggy’s Indoor Skate Park and Aqua Park Coolum. We can pop into the German bakehouse for one of the best sourdough loaves you’ll ever taste or grab a morning coffee at the local Woodstack smokehouse and find out what’s on the menu on their Friday and Saturday BBQs. But it’s not all about getting out of the office – if you know the capital Properties team, you’ll know we get as much of a kick out of work! That’s why the space we’re in needs to be just as compelling as the location.
Purpose-built space for productivity
The Capital Properties HQ layout was designed to combine the open, spacious feel of an industrial warehouse with welcoming spaces that allow for confidential client meetings and group brain-storming sessions.
Parking is effortless; there’s plenty of parking outside the building and we literally have room inside the warehouse itself, so there’s zero hassle when it comes to finding a spot in a hurry.
The downstairs office, which we used initially, is smaller but features large glass walls and a roller door that brings in ample natural light and fresh air which feels abundant and spacious. We recently moved upstairs to the main office space, which boasts a front glass door and a back window. This airy, sunlit environment offers a perfect blend of privacy when it’s needed and openness to foster collaboration.
The Pomodoro method – an efficient approach to work
Our team adopts the Pomodoro Technique to keep energy and focus high throughout the day. This technique (created by Francesco Cirillo in the late 1980s) is a time-management method that encourages people to develop better self-awareness regarding their use of time to help them achieve goals more efficiently and with less stress.
For the capital Properties team, that means working in 20-minute sprints, followed by a 5-minute break to refresh. Whether it’s grabbing a snack from the fruit or nut bowls, practicing our swing on our putting mat, hanging off the pull up bar for a few chin-ups or repping out some bicep curls with the EZ bar, these micro-breaks help keep us energised and clear-headed. This approach has made a real difference in our productivity and has become a valued part of our office culture.
A shared space with community vibes
Our converted warehouse is not only a fantastic environment for our team but also a space we share with our friends at Wilson Designer Homes, whose motto “Better living by design” is a great fit with our ethos at Capital Properties. Blair and his team lease a portion of the office and bring a complementary vibe to the space, adding to the sense of community we’ve cultivated here. This shared setup has worked brilliantly, allowing us to collaborate, network, and support each other’s work. We’ve found ourselves wondering why we didn’t do this sooner!
Why warehouse conversions are the perfect spaces for modern businesses
The success of our Sunshine Coast HQ has proven our theory that warehouse conversions offer essential versatility for modern business needs. These spaces offer growing businesses the flexibility to adapt over time and allow for improved collaboration with like-minded partnerships. In our blog post: “The ins and outs of industrial property investment” we discussed in greater detail about why industrial property investment pays off. And in committing to this type of investment ourselves we’re already seeing the pay-off.
These unique environments can be individually styled to inspire productivity and enhance your overall lifestyle. Our experience has shown that the right design and layout can make an industrial warehouse transform easily into a workspace. One that balances a welcoming, fun atmosphere with everything we need to offer our clients a professional, forward-thinking service.
The rise of industrial warehouse office conversions
Staying on top of property trends is right on-brand for us, and although we like to think we’re trend setters, we can’t say we were to first to jump on board this particular trend. The fact is warehouse conversions are booming across Australia right now. No longer the remit of CrossFit gyms and micro-breweries, these industrial warehouse conversions are quickly becoming a popular choice for both residential and commercial property investors.
The romance of New York loft-style homes is in growing demand across the country, with architects and designers keen to make the most of these commercial spaces. Check out these drool-worth designs in this EST article for some inspiration.
But the real growth in industrial warehouse conversions have been seen in the business world. As reported in the Australian Financial Review (AFR), warehouse conversions are becoming “sexy”. That’s thanks to companies like Ledlin Develop who are capitalising on this trend by proving that warehouse spaces are ideal for startups, creatives, and even TikTok influencers. We think this is merely the tip of the iceberg and anticipate that warehouse office conversions will continue to be adapted for small-to-medium businesses all across Australia.
Capital Properties HQ on the Sunshine Coast – a space that feels like home
We really couldn’t be happier with our Sunshine Coast HQ. This industrial warehouse office conversion has given us a space that boosts our work, enhances our lifestyle, gives back to our clients and supports the local community.
At Capital Properties, we know that ‘where’ you work plays a crucial role in ‘how’ you work, and our new HQ has met our brief for a better work/life balance perfectly. We’re excited to continue building our future here at 18 Lomandra Place, Coolum Beach and welcome you to come and visit whenever you can. Chin ups are optional!!
If you haven’t already, we invite you to take advantage of our FREE Capital Properties Discovery Session to ensure you’re maximising your property investment potential. Plus, don’t miss our Switched-On Strategy Series that’s been designed to give you the tools and insights needed for smart, strategic investing.
Note: This information is general advice only. Always do your own research and seek independent financial advice
In this article, we look at the ins and outs of industrial property investment, to help determine if it’s a good choice for you. We’ll explain how industrial property investment can provide a positive cash flow and has the potential for impressive long-term returns. However, as with all investments, it’s important to do your homework before you dive in, and success isn’t a guarantee.
Industrial or commercial property investment is a complex market with many differences from residential investments. Investors must understand varied property management options, leasing arrangements and financing obligations.
If you need advice, the Capital Properties team has extensive experience in residential and industrial property investment. We are dedicated to educating, mentoring and guiding Australian Defence Force members through successful property investment. We provide numerous tools and resources, with updated blog posts covering topics such as ‘buying a house while in the defence force’, and ‘the types of home loans available to those in the ADF’, to make sure you are empowered in your investment decisions.
So, let’s look at industrial property investment more closely, and where better to start than with the basics: What is industrial property?
There are a variety of factors to consider when investing in industrial property. If you want in-depth, personalised recommendations, we recommend that you book a free discovery session with Capital Properties today.
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You probably already have an idea of what industrial property is, and it may be quite accurate, although if you were asked to define it, you might find it a little trickier.
Industrial property has traditionally been defined as a type of commercial property that is generally not public-facing. To date this has included operations like factories, warehouses, and storage centres, etc. While this definition has been historically true for the most part, with the recent rise in the industrial-chic style and the popularisation of converting industrial property into hip bars and restaurants, the definition of industrial property and what it means to be an industrial property investor is changing.
Some industrial property investors might feel that expanding the use for these industrial properties will complicate the investment process. But at Capital Properties, we strongly disagree. Now that industrial property isn’t limited to its original purpose, the possibilities have expanded greatly. That warehouse can be a block of refurbished loft-style apartments, that old factory can be a trendy new distillery – the potential is endless.
From an initial investment point of view however, the closer we can design a building to serve its intended purpose, the better. It will save time and money on set-up costs and give you and your renters clarity on its use. Still, it’s good to know you’re not limited to just a few ideas.
The aftermath of Covid-19 has significantly affected the Australian economy and both the residential and commercial property market. We’ve seen a holding pattern in some urban retail and office spaces, but industrial warehousing space is in higher demand than ever. In 2024, Australia’s national average vacancy rate for industrial & logistics properties was the lowest worldwide at 1.9%, with Perth holding the lowest vacancy rate in the country at 1.2%.
In fact, industrial property investment has become one of the most sought-after asset classes by investors. The surge in online shopping has created a new demand for “dark stores” and micro fulfilment centres, i.e., warehouse spaces to store inventory and act as a retail distribution centre that caters exclusively for online retail. On top of this, the CBRE has seen a strong performance in Australia, with growth 4 years ahead of its pre-COVID trend.
And the rise of enthusiastic entrepreneurs means that new business activity is booming, with the Australian Bureau of Statistics showing 73,125 new businesses trading in 2023-24, an 2.8% rise on the previous year. As well as the online space, there’s an increased trend towards using industrial spaces for microbreweries, gyms, recreational facilities, showrooms etc.
Is Industrial Property a Good Investment?
Yes! We can unequivocally say that industrial property is a good investment. Industrial property generally offers yields of about 8%, compared to 4% for residential property.
Another thing to note is that during the pandemic, logistics and warehouse businesses were labelled as essential services. This means when other industries were slowing down, industrial property kept on ticking and kept on returning on investment. Investing in industrial property ensures you have secure income for trying times if anything like that happens again.
Still need to be convinced? Here are 8 more reasons that explain why industrial property is a good investment.
Based on the evidence above, we hope we’ve convinced you that industrial property is a good investment! So now, let’s look at how to buy industrial property.
How to buy industrial property
If you want a hassle-free way of buying industrial property, then why not use our Buyer’s Agent Service? Our experts at Capital Properties will take care of all the hard work for you and make sure you get the best deal.
If you’d prefer to look into buying industrial property yourself, check out our top 10 tips to help you buy your first investment property:
How to Find Industrial Property for Sale
The most common way people search for industrial property is by looking at property aggregators such as realcommercial or commercialrealestate, or looking at their local real estate agent’s commercial listings. Although, that will give you a good overview of what’s happening in the market, people often discover that the most desirable industrial spaces are sold before they make it online for public viewing. That’s why it pays to have relationships in the industry.
The Capital Properties buyer’s agent service specialises in sourcing all types of property options, including industrial properties. We live and breathe the ins and outs of industrial property investment.
Not only do we hear about available properties first, but we’ll also evaluate the potential return on industrial and commercial properties. We examine the potential to add value with subdivisions and renovations and support you throughout the full property investment experience. During the Capital Properties free discovery session, we’ll get to know you and devise a plan that’s suitable for your circumstances. Our aim is to help you turn your disposable Defence income into the kind of financial freedom your parents and grandparents will want to brag about!
We understand the unique demands of Defence life. We’re an approachable bunch of energetic, knowledgeable property investment experts with ex-Defence personnel within our ranks. In fact, our Founder, Marcus Westnedge, started right where you are now.
So, if you’re looking to start investing in industrial property, contact us today.
As Australia’s Leading Defence Force Housing & Property Investment Specialists, Capital Properties’ mission is to help you turn your Defence income into financial freedom.
Book a free Discovery Session today and let’s get started.
Hot spot suburbs and a FREE RPdata Report Offer
Informed property investment for Australian Defence Force members
Why you should you invest in hot spot suburbs
With the demanding nature of military life, Australian Defence Force (ADF) members often find it challenging to plan for long-term financial success by leveraging opportunities in the property market. At Capital Properties, we understand the unique challenges faced by ADF personnel because we’ve lived it! Our founder, Marcus Westnedge had a multi-million-dollar property investment portfolio by the time he left the navy, and he wants to make sure you get the same opportunities he did.
That’s why we’re excited to offer a valuable resource this month: a Free RPdata Report on hot spot suburbs. In this blog post we’ll explain the benefit of the RPdata report and how you can use it to make informed investment decisions.
Use this Free RPdata Report on hot spot suburbs to make a difference to your future financial security. Then follow it up with a Capital Properties Discovery Session so that our expert team can make sure you’re on the right track.
And don’t forget, all Capital Properties clients have access to our Property Investment Tools & Apps and Pinnacle Support Program.
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Why should you invest in property?
Before we get into the nitty gritty, let’s quickly make sure we’re on the same page about property investment. We think it’s still by far the best way to secure your financial future. Unlike other forms of investment, such as stocks or bonds, property investment offers substantial long-term benefits and relatively low risk. Here’s why:
What does “hot spot suburb” mean?
A hot spot suburb is a suburb that’s experiencing, or is soon expected to experience, a significant increase in property value which can provide reliable rental yield and strong capital growth.
This could occur due to any number of reasons. For example:
Why it’s important to choose the right suburb
While property investment is generally a wise move, choosing the right location is crucial to finding your ideal tenants and reliable capital gains. This is where our Free RPdata Report comes into play. The report provides you with detailed insights into the hottest suburbs for property investment, helping you target areas with the most potential for high rental yields and quick capital growth.
What’s an RPdata report?
RPdata (Rich Property data) is a subscription product that Capital Properties accesses for comprehensive property data that’s been collected over 40 years by the property research company, CoreLogic. CoreLogic is known for delivering up-to-date and accurate insights and analysis of the Australian real estate market. The Capital Properties Free RPdata Report includes:
Rental yields: Analysis of potential rental income in different suburbs.
How the free RPdata report can help ADF personnel
As an ADF member, we know that your career can involve frequent relocations and deployments, which makes taking the time to research property investment a daunting proposition. However, with the right tools and advice, you can make sound investment decisions no matter where you’re stationed.
The Capital Properties team work with Defence members every day and we know what it takes to be switched-on property investors. It’s our mission to support you to make informed investment decisions. Here’s how our Free RPdata Report can assist you:
Strategic planning: Whether you’re looking to buy your first property or expand your portfolio, the RPdata report will help you plan your investments strategically. And remember, the Capital Properties team will be able to walk through the report with you to make sure you feel confident in your property investment decision.
How to get your FREE RPdata report
Getting your hands on a Free RPdata Report is simple and will only take a second. Simply get in touch via the Contact page on the website (click the link here) and in the comments section type “FREE RPdata report” and one of our team will get in touch.
You can also email us at [email protected]. Alternatively, give us a buzz on 1300 653 352.
Whether you’re a seasoned investor or just starting out, this report will guide you towards the best investment opportunities in Australia’s hottest suburbs. So, if you’ve been waiting for a sign to get started, this is it! Get in touch now to grab the free RPdata Report.
ADFA – Yes, it’s time to start building your property portfolio
If your in ADFA don’t wait to build your property portfolio!
ADFA – Start your property portfolio now for future financial success
As Australian Defence Force Academy (ADFA) members you’re already committed to defining yourself as leaders of the Navy, Army and Air Force. At Capital Properties, we want you to apply that same commitment to your own future financial success. And, believe it or not, right now, while you’re in the ADFA is the perfect time to start building your property portfolio.
While your military training prepares you for many challenges, it might not fully prepare you for life after your service. And we know that for most young people, financial planning doesn’t take top priority. That’s why we’ve made it our mission to work with ADFA members to help them learn strategies for long-term financial success without compromising on their lifestyle. And we believe that building your property portfolio is the very best way to do this.
We often hear from our clients that they just wish they’d started building their property portfolio earlier, so read on to learn how we can help you avoid that same mistake.
Now is the perfect time to consider building your property portfolio and laying the groundwork for long-term financial freedom. At Capital Properties, we specialise in helping Australian Defence Force Academy (ADFA) members like you, to invest your disposable income wisely, turning today’s savings into tomorrow’s security. To get started, book your Capital Properties Discovery Session now.
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It’s rare to find 18- or 19-year-olds who are already thinking ahead to retirement. And it’s just as unlikely that property investment would be on their radar, especially with some of the media reporting about the current property market here in Australia. Plus, we know how much focus is required to excel in your military career. But we also know that the early bird catches the worm.
Our founder and Director, Marcus Westnedge made his first property investment early in his naval career, allowing him to create his ideal lifestyle. That’s why he’s so passionate about educating ADFA about property investment opportunities. Here’s why starting now makes all the difference:
1. Leverage your financial position
As an ADFA member, you’re in a unique position to be able to leverage your stable income and utilise valuable financial products designed to help ADF members invest in their future. For instance, Australian Defence Force Home Loans can provide you with generous interest rates and loan structures that aren’t available to the general public. Our recent blog post “Home Buyer Entitlements for Defence Members” covers ADF, Federal and State entitlements.
2. Make your disposable income work for you
So many people waste their disposable income on unnecessary ‘stuff’. Creating good habits now will pay dividends in years to come. Setting up a regular savings deposit creates discipline and accountability. That means you won’t get sucked into spending your hard-earned dollars on stuff that doesn’t matter to you, but you’ll have the money available for the important purchases when you need it.
3. The power of compounding growth
Property investment is a long-term strategy that benefits from compounding capital growth. The earlier you start, the more time you give your investment to grow. And because, property values typically rise over time, especially in key locations, having more years of ownership under your belt means you can reap more of the benefits. This is why we say, “time in the market is more important than timing the market”.
4. Future financial independence
By investing now, you’re not just buying a house, you’re securing your future financial independence. The aim is to reach the end of your military career with an established property portfolio that generates passive income. This gives you the financial security to retire comfortably or pursue new ventures without the pressure of financial constraints.
How to get started in property investment
At Capital Properties, we’ve tailored our services to support ADF members at all stages of their investment journey. If you’re a first-time investor or unsure where to begin, we’ve got you covered. We offer a structured approach designed specifically for your unique needs. When you attend our FREE Discovery Session we’ll take you through our 7 step successful property investment strategy. Here’s a taster of the first few steps:
Step 1: Set clear, actionable goals
The first step in building your property portfolio is to set clear goals. Identify what you’re trying to achieve with your investments? Whether it’s generating rental income for a second income or for long-term capital growth to fund a comfortable lifestyle down the track, your goals will dictate your investment strategy. Our guide on Goal Setting Strategy is a good place to start.
Step 2: Know your finances
A key aspect of starting your property portfolio is finding out exactly where you are financially. That means completing an Asset & Liability work sheet and figuring out your borrowing capacity. You find this tool and others in the Capital Properties Property Investment Tools & Apps page on our website.
As an ADFA member, you have access to financial products that provide flexible terms and competitive rates such as interest rate discounts, lower fees, and greater flexibility. All of which make it easier to buy your first investment property. Capital Properties can help guide you through the process of assessing your resources and securing a loan that fits your situation.
Step 3: Identify your property investment strategy
Once you’ve clarified your goals, and know where you stand financially, the next step is to create a clear plan – or strategy – for achieving them. This is where it really helps to get the right team around you. They’ll help you create a property investment strategy that is specific to you and aligns with your goals.
ADFA property portfolio development
Steps 1 to 3 in the Capital Properties 7 step successful property investment strategy will help you discover if property investment is the right tool to help you reach your financial and lifestyle goals. But for successful ADFA property portfolio development, we’ll need to work through steps 4 to 7 of the Capital Properties 7 step successful property investment strategy where we really get into the nitty gritty of investment.
This includes everything from researching the Australian property market, to identifying the right property and tenant for your circumstances. We’ll also help you keep on top of cash flow and make sure you know exactly where you stand with rental income, interest rates and tax benefits etc. If this sounds daunting, please believe us when we tell you that after we’ve worked with you, you’ll be fully empowered with all the education you need to be able to make sense of this much more easily. Hell, you’ll probably even want to get your friends and family in on the action too!
And our help doesn’t stop once you’ve made a purchase. We’ll be there for the construction phase (if appropriate), property management and make sure you’re on track with your ongoing investment strategy.
Ready to start building your property portfolio?
The path to financial freedom starts with your first step. By investing in property in the ADFA the sooner you start, the more you stand to gain. The team at Capital Properties are passionate about helping you to start building your property portfolio and securing a stable, profitable future.
Remember, the earlier you start the sooner you can reap the rewards, so book your FREE Capital Properties Discovery Session today and discover the Capital Properties Switched-On Strategy Series.
As part of our commitment to your ongoing success, you’ll have access to all of our Capital Properties Property Investment Tools & Apps and Pinnacle Support Program.
Note: This information is general advice only. Always do your own research and seek independent financial advice
Interest rates – will they drop or keep increasing? Or stay where they are?
What’s happening with interest rates?
Inflation and interest rates, and why it matters for property investors
In the Statement on Monetary Policy, released by the Reserve Bank of Australia (RBA) in August 2024, the consensus was that “Inflation is still too high because demand is still too strong.” And when inflation is high the RBA will continue to increase interest rates to slow the economy and consequently, lower inflation.
But why is this question “interest rates – will they drop or keep increasing?” so vital for property investors? It’s because interest rates are crucial in shaping our economic landscape and will most definitely influence property investment decisions.
In this blog post, the property investment experts at Capital Properties will examine the current interest rate environment, factors influencing rate changes, and make cautious predictions about what the future might hold.
If you’re an Australian Defence Force (ADF) member looking to invest your disposable income in property, understanding the trajectory of interest rates is essential for making informed choices. And at Capital Properties, our aim is to provide you with all the knowledge and tools you need to make the best investment decisions for your situation. Join us at one of our Discovery Sessions to see if you should consider investing this year.
The Capital Properties Property Investment Tools & Apps and Pinnacle Support Program are designed to keep you on the right track throughout your investment experience.
On the go? Here’s 30 seconds of take outs:
– Re-evaluate investment strategies to benefit from rental income & capital growth.
– Stay informed of economic developments & interest rate forecasts.
– Consider locking in fixed rates.
– Consult with the experts at Capital Properties.
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The current interest rate climate
Australia is experiencing a complex interest rate environment shaped by numerous economic factors. Since COVID, the RBA has been adjusting the cash rate in response to these vastly changed economic conditions and inflation pressures. All through 2024 the RBA has tried to curb inflation with a series of rate hikes. Which means that compared to the previous decade, current interest rates are relatively high.
In Australia right now, there’s still high demand for goods and services, which means inflation is likely to continue. And, although productivity growth is weak, wages growth remains high, so it seems like lower interest rates are a way off.
What’s causing interest rate changes?
There are a variety of factors that influence interest rate changes, such as consumer spending, unemployment rate, and household debt. But we’ll take a closer look at the most significant influencing factors below:
Global economic conditions: Although Australia is lucky to have a plentiful supply of natural resources that keeps our economy buoyant, we’re still not immune to global economic trends. Changes in major economies like the United States (US) and China can impact Australia’s interest rate decisions.
Predictions for the future of interest rates in Australia
To answer the question about interest rates – will they drop or keep increasing?… we can’t gaze into a crystal ball, but we can make some educated guesses.
At the beginning of 2024, Australia’s inflation rate started at 4.1%. By March, it had dropped to 3.6% but went back up to 3.8% in June. In August, RBA Governor Michele Bullock denied any hope of an interest rate cut until the end of the year, or beginning of 2025. Their target, is of course, to be back to 2-3% inflation – ideally by December 2024.
Economists have plenty of different opinions on the future trajectory of interest rates in Australia. Some predict a gradual easing of rates in the coming years as the inflation pressures subside and economic conditions stabilise. However, there are just as many others who believe that rates will stay elevated if inflation continues to persist. At the time of writing (mid-September 2024) Australia’s cash rate is sitting at 4.35% – that’s a big shift from 0.1% in May 2022.
And the latest news out of the US, with the Federal Reserve slashing interest rates by a whopping 50 basis points has startled many economists. Though, as Capital.com senior financial market analyst Kyle Rodda says, the US and Australia are “fighting different battles” and there are “unique” factors that contribute to persistent inflation in Australia.
Short-term outlook for interest rates
In the short term, it seems that most experts concede that interest rates will stay relatively high as the RBA continues its efforts to control inflation. Some predict the next interest rate move could go up. Most major Australian banks predict the first cut will be between November this year and next May.
There’s no doubt that this provides a more challenging environment for ADF property investors who rely on borrowing to finance their purchases. But stalling might also prove to be a poor decision. In the long-run, we believe that time-in-the-market far outweighs the efforts to ‘time-the-market’.
Long-term outlook
Looking a little further ahead, there’s an expectation that interest rates should decrease as inflationary pressures ease and economic growth stabilises. These lower interest rates will make borrowing more affordable for property investors, but the knock-on effect is that it’s also likely to create more competition in the market.
The probable scenario is that rates will remain steady until mid-2025, then gradually decline. Looking at RBA predictions, it’s expected that interest rates should be around 3.8% by mid-2026.
Interest rate implications for ADF property investors
We talk to ADF members every day who are considering property investment and are used to getting asked the question about interest rates – will they drop or keep increasing? And while it’s important to know what’s going on with inflation and interest rates, there are challenges and opportunities in every market. High-interest rates will absolutely increase the cost of borrowing, which will impact affordability and even potential returns. However, because overall demand is less, and competition lowers, they can also lead to more attractive property prices.
As Capital Properties owner, Marcus Westnedge says: “The current high-interest rates have created an unusual situation in the property market. Normally, we’d expect higher rates to cool demand and stabilise prices, but instead, we’ve seen a drop in listings as homeowners hold off on selling. This reduced supply has kept property values steady despite shrinking borrowing capacities. If interest rates begin to fall sooner than expected, as recent signs suggest, borrowing power could rebound, fuelling demand and competition. ADF buyers should stay flexible and ready to seize opportunities as market confidence strengthens.”
Strategies to make the most of the current Property Market
Consult with experts: Seek advice from financial advisors and property experts who can provide insights tailored to your circumstances. Yes, that means us. You can call on 1300 653 352, or email us at [email protected]
Keeping up with the latest news on interest rates – whether they’ll drop or keep increasing is critical for property investors. At Capital Properties we work with ADF members to help you make informed investment decisions to acquire long-term financial freedom through property investment. Find out more by exploring our FREE Capital Properties Discovery Session and the Switched-On Strategy Series.