A who's who of Australian surfing, business and entertainment has emerged on title records following the completion of Esprit Rainbow Bay, the latest boutique beachfront apartment development by former professional surfer Paul Gedoun's S&amp;S Projects.

The completed project has attracted an enviable collection of owners, many with long-standing ties to the southern Gold Coast and the surf culture that has helped define Rainbow Bay and neighbouring Kirra for generations.

Given Gedoun's own background in surfing, it perhaps comes as little surprise that some of Australia's most recognisable surfers have chosen to buy into the development overlooking one of the country's most celebrated stretches of coastline.

Pezet Matheson directors Jayde Pezet and Todd Matheson launched the project in late 2021, and have managed the sales campaign all the way through to its sell-out and recent completion.

<img alt="Esprit" data-entity-type="file" data-entity-uuid="08fc6261-b84e-4b09-8a44-66d3067fd0d1" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/Screenshot%202026-07-29%20at%208.51.05%E2%80%AFAM.png?VersionId=4AOcb6ETZwNUnMPdTtz1B3pZAIB_jgZ2" />

Former world champion Mick Fanning, who grew up in Coolangatta, secured an apartment in 2023. He paid&nbsp;$2.07 million. Last year he sold his Bilinga home for over $16 million.

Three-time world champion Joel Parkinson also purchased in the development, alongside big wave surfer Mark Mathews. Mathews bought the most expensive apartment in the building, spending just over $4 million.

Joining them is Rip Curl founder Doug Warbrick, whose company helped shape Australia's global surfing industry over the past five decades.

The appeal of Rainbow Bay has extended well beyond the surfing community.

International DJ Paul Fisher purchased an apartment through his investment vehicle, YLB Developments, an abbreviation of his trademark phrase "You Little Beauty".

The purchase comes as Fisher and his wife Chloe are developing their own luxury apartment project further north in Palm Beach. Their boutique beachfront development, Pescado, comprises just seven apartments on Jefferson Lane, which start from just shy of $6 million. The couple intend to retain the two-level penthouse as their Australian base between international touring commitments.

Melbourne Storm coach Craig Bellamy and his wife Wendy have also invested in Esprit, purchasing two apartments after spending decades holidaying on the southern Gold Coast. They also have a luxury apartment in Joe Adsett's Rockpool, less than 400m away from Esprit.

<h2>Boutique project draws owner-occupiers</h2>

Esprit launched in 2021 and sold strongly, with buyers drawn to its boutique scale, beachfront position and contemporary design.

The completed development comprises 94 apartments across 11 levels, offering expansive floorplans designed primarily for owner-occupiers rather than the investor market.

Crowning the building is Club Esprit, pitched as being the Gold Coast's first residential rooftop wellness centre. The roof features a&nbsp;25 metre magnesium lap pool, which is surrounded by wet daybeds and poolside cabanas,&nbsp;multiple barbecue areas,&nbsp;a yoga and relaxation play lawn, and a private dining room with a kitchen scullery, bar, lounges, and an outdoor terrace.

The wellness centre is&nbsp;fully equipped with a Technogym, ice bath, infra-red sauna, steam room, thermal room, and treatment room. The roof has views spanning&nbsp;Rainbow Bay, Snapper Rocks and the Pacific Ocean.

<h2>S&amp;S Projects continues to shape Rainbow Bay</h2>

S&amp;S Projects founder Paul Gedoun has become one of the key figures behind Rainbow Bay's evolution over the past several years.

After establishing S&amp;S Projects, Gedoun has focused on delivering lifestyle-driven apartment developments designed primarily for owner-occupiers seeking a permanent coastal home.

Esprit is Gedoun's third completed project in Rainbow Bay, following Flow and Awaken, both of which achieved record prices for the suburb.

He is now delivering <a href="https://www.apartments.com.au/new-apartments/radia-rainbow-bay-271-boundary-street-coolangatta-qld-4225">Radia Rainbow Bay</a>, a 38-apartment development on Boundary Street that is currently selling, and has no plans to leave the precinct anytime soon. S&amp;S Projects has also lodged plans for its fifth Rainbow Bay development, an 88-apartment project on Boundary Street featuring a strong wellness focus.

Read more:&nbsp;<a href="https://www.apartments.com.au/news/qld/first-look-s-s-projects-proposes-88-apartment-wellness-tower-at-coolangattas-boundary-street">First look: S&amp;S Projects proposes 88-apartment wellness tower at Coolangatta's Boundary Street</a>

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Joel Robinson

Who's who of buyers revealed as Esprit Rainbow Bay settles

Nature Based Cities (NBC), the not-for-profit organisation focused on improving biodiversity and nature outcomes in urban development, has launched its latest industry design guidelines and accreditation framework, this time targeting precinct-scale residential communities.

The move extends NBC’s influence beyond its initial focus on medium and high-density residential developments. Several projects have already achieved NBC accreditation since the launch of its Medium &amp; High-Density Residential Guidelines in early 2025.

The expansion into masterplanned communities and new residential precincts reflects the growing need for stronger nature-positive benchmarks as Australia’s outer suburban growth corridors continue to expand at pace.

Paul Hameister OAM, NBC Founder and the Executive Chairman of Melbourne developer Hamton who itself leans heavily into nature and biodiversity in its developments, says the&nbsp;nature-first approach to mitigate the effects of climate change has become standard in other parts of the world such as the UK, but Australia is lagging.&nbsp;Australia’s environmentally sustainable design (ESD) rating tools have no minimum mandatory requirements for living landscapes.

“We’ve always wanted to do more, and we know other developers who want to do more, but the ESD rating tools just aren’t there,” Hameister says. “In Australia, you can have a five-green-star rated building that’s concrete and glass with not a blade of grass. 
 
“The focus is on reducing emissions, which is laudable, but there hasn’t been enough attention paid to protecting and re-establishing nature. We need both for the health of the environment and for communities.”

He says that having now&nbsp;made good progress in supporting developers of medium and high-density residential projects, NBC is now looking to bolster better nature-based decision-making and recognise developers of greenfield projects in the outer ring and large inner-ring brownfield precincts, who want to champion nature and living landscape as a defining feature.

Since 2022, the not-for-profit has sought to remove the roadblocks preventing developers from incorporating nature and living landscapes into their projects, shifting the conversation from the reduction of emissions and grey infrastructure, toward recognising nature as an essential infrastructure.

The New Communities Design Guidelines and Scorecard arm developers with the tools needed to deliver a nature positive outcome for their new communities. Intended to be adopted at the outset of the planning process, the guidelines are designed to help create communities that are cooler, healthier and more resilient while also enhancing social wellbeing and long-term economic value.&nbsp;

New Communities developers seeking accreditation will be independently assessed across a range of key criteria including ecology, tree canopy, biodiversity, and walkability. Once the masterplan is complete and submitted for approval, the scorecard is formalised based on proposed outcomes. Projects that meet the NBC criteria will receive either Commended or Exemplary accreditation outcomes, creating a clear benchmark for nature-positive new communities in Australia.&nbsp;

Janis Fischer, Director at Tract and NBC Advisory Council member, said the development of new communities in our suburbs can have a substantial impact on nature and biodiversity.

"By incorporating nature-based design principles at the inception of a project, developers and their design teams can achieve nature positive outcomes that are good for both people and the planet.’’&nbsp;

NBC accredited New Community projects will gain access to NBC branding and marketing tools to help communicate their nature-based credentials to purchasers and the broader market.&nbsp;

Nature Based Cities: A new Australian benchmark for developing nature-positive new communities

Apartment buildings are increasingly being designed around how people actually live day to day, not just how they want a building to look.

For buyers, that shift is showing up in practical inclusions that respond to changing habits. Work-from-home spaces, EV charging, wellness amenities, secure bike storage and parcel management are becoming part of the broader apartment conversation, reflecting a move toward buildings that reduce friction in everyday life.

Online shopping has become one of the clearest examples of that change.

Australians spent a record $82.6 billion online in 2025, with nearly one in four retail dollars now spent online. That has made parcel delivery a regular part of apartment living, rather than an occasional inconvenience.

For apartment residents, however, the delivery process can be less straightforward than it is for detached homes. Parcels may be left in lobbies, redirected to Post Offices, missed entirely, or placed under the responsibility of building managers and concierge teams.

That is why secure parcel infrastructure is increasingly being considered alongside more familiar apartment amenities.

<iframe allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" allowfullscreen="" frameborder="0" height="315" referrerpolicy="strict-origin-when-cross-origin" src="https://www.youtube.com/embed/-VjjLwoViX0?si=A3k7ws9NX35Uac7_" title="YouTube video player" width="560"></iframe>

Australia Post Parcel Lockers offer one way to address the issue. When a parcel arrives, residents receive a notification through the AusPost app or SMS, then collect it using a QR code or one-time PIN. The parcel is kept secure, accessible and removed from common areas.

The broader Parcel Locker network now includes more than 1,500 locations across Australia, positioned at Post Offices, shopping centres, supermarkets, transport hubs and other accessible locations.

For new apartment projects, the relevance is clear. A building’s amenity offering is no longer only about lifestyle spaces, but also about convenience, security and functionality.

As buyer expectations evolve, secure parcel delivery is becoming part of the same design conversation as flexible working, sustainable transport and resident wellbeing.

It is one less thing for residents to worry about, and another example of apartment design adapting to the way Australians now live.

Apartment design is adapting to the way Australians shop

While school holidays and trips to Europe tend to define the winter property market, there's been no cold snap at <a href="https://www.apartments.com.au/new-apartments/the-walden-north-sydney-177-walker-street-north-sydney-nsw-2060">The Walden</a> in North Sydney.

Developer-builder&nbsp;<a href="https://www.apartments.com.au/developers/aland">ALAND</a> sold more than $35 million worth of apartments throughout June, including a $6.8 million apartment that now ranks among the highest apartment sales ever recorded in North Sydney.

SRM Residential agent Ben Stewart said buyer demand throughout June reflected a mix of improving market confidence and longer-term thinking from owner-occupiers.

"We're seeing strong demand from owner-occupiers who are taking a longer-term view," Stewart said.

"Many recognise the opportunity to secure an apartment in an iconic building and premium location while values remain attractive. They may initially lease the property, but the intention is to eventually move in themselves, rather than purchasing purely as an investment."

[smartcode_project:default project_id=134323 project_image_fid=367129]

Located at 177 Walker Street, The Walden will deliver 161 one, two, three and four-bedroom residences across a 30-storey tower designed by Rothelowman. Every apartment occupies a corner position, maximising natural light, cross ventilation and views across Sydney Harbour, the Opera House, Sydney Heads and the northern districts.

Rather than a traditional balcony, the residences feature winter gardens that seamlessly extend the open plan living areas, creating versatile spaces for relaxing or entertaining throughout the year. Floor-to-ceiling glazing draws in natural light while showcasing sweeping views from the building's elevated Walker Street position.

Every apartment features high-end Calacatta marble, bespoke joinery, and fully integrated appliances.

The larger residences have been planned with distinct entertaining and private zones, with many master suites positioned on corners to capture natural light and harbour views. Walk-in dressing rooms, freestanding baths and refined stone finishes reinforce the house-like feel that has resonated with downsizers and owner-occupiers.

[smartcode_project:default project_id=134323 project_image_fid=6393]

Rothelowman Principal Ben Pomroy said the project was designed to make the most of its unique position overlooking the harbour.

"The Walden is a celebration of all things beautiful, curated for those who expect nothing less than exceptional," Pomroy says.

"Meticulously designed entertaining spaces and light-filled living areas that capitalise on capturing the natural beauty of Sydney's iconic harbour."

Residents will also have exclusive access to The Pavilion, a dedicated amenity building featuring a rooftop pool, wellness studio, gymnasium, sauna, concierge service, residents' lounge, private dining spaces and work-from-home facilities.

[smartcode_project:default project_id=134323 project_image_fid=6402]

The project marks ALAND's first major luxury apartment development in Sydney's inner-city market after more than two decades delivering residential communities across Greater Sydney.

Founder and CEO Andrew Hrsto previously said the rarity of the Walker Street site made it an opportunity the company could not overlook.

"This is a rare opportunity to bring a truly exceptional project to life in one of Sydney's most iconic locations, and to showcase our craftsmanship and design expertise at a world-class level," Hrsto said.

[smartcode_project:default project_id=134323 project_image_fid=6383]

The Walden has been introduced to the market at a time when demand for living in North Sydney is at an all-time high. Billions of dollars have been invested in infrastructure, including the recently opened Victoria Cross Metro station, located just 300 metres from The Walden, providing residents with direct access to the Sydney CBD in just minutes.

Private investment has also transformed the area through the arrival of new retail and dining destinations, elevating the lifestyle offering in what was once considered primarily a commercial precinct rather than an aspirational residential address.

The Walden is currently under construction and is scheduled for completion in 2028.

[smartcode_project_cta:default project_id=134323]

ALAND records $35 million in sales in North Sydney as The Walden bucks quiet winter selling season

The long-awaited redevelopment of the former Eastlakes Shopping Centre site has reached a major milestone, with Conquest's plans for a new mixed-use precinct officially placed on public exhibition.

The State Significant Development Application would transform the 1.7-hectare site at <a href="https://www.apartments.com.au/new-apartments/19a-evans-avenue-eastlakes-nsw-2018">19A Evans Avenue</a> into one of Sydney's largest urban renewal projects, delivering 736 apartments above a new shopping centre anchored by Woolworths, alongside specialty retail, dining, commercial space and new public open spaces.

The public exhibition marks the next chapter for the project after <a href="https://www.apartments.com.au/developers/conquest">Conquest</a> acquired the stalled Stage Two development from Crown Group, who completed the first stage across the road prior to their voluntary liquidation.

<img alt="First look: Conquest unveils plans for 736-home Eastlakes Shopping Centre redevelopment" data-entity-type="file" data-entity-uuid="5fca22c5-d1ed-4e2c-8801-03f7df1eafc8" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/eastland%20podium.png?VersionId=uomwr41nF8CmLUZRDcu3mHQechlbxucS" />

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Designed by DKO Architecture, the proposal comprises four residential buildings ranging from 14 to 18 storeys above a two-level retail podium. The development would deliver 736 apartments, including 74 affordable homes, 215 Build-to-Rent apartments and 521 market residences. Provision has also been made for dual-key apartments, which could increase the total number of dwellings to 877.

At ground level, the shopping centre has been designed as the suburb's new meeting place, anchored by a full-line Woolworths and complemented by a curated mix of fresh food retailers, cafés, restaurants, health services and everyday convenience shopping. Generous pedestrian links and landscaped public spaces will connect the retail precinct through to Jack Mundey Reserve, creating a more walkable and connected neighbourhood.

Conquest CEO Michael Akkawi said the redevelopment was about far more than replacing a shopping centre.

"Eastlakes has been overlooked for too long, and this is the community’s moment. We are building a shopping centre and homes, a genuine heart for the suburb, and we genuinely want locals to help shape it."

"We enrich communities through the creation of homes, places, and experiences designed for life, built to last, and owner for generations. That starts with listening, so we warmly encourage everyone with a connection to Eastlakes to view the plans and share their thoughts."

<img alt="First look: Conquest unveils plans for 736-home Eastlakes Shopping Centre redevelopment" data-entity-type="file" data-entity-uuid="22f6fb20-54fb-4bd7-8a92-48fafdd00608" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/eastland.png?VersionId=cugp7s9hrMHGJJdYzkeAkrFoQgnF4GXf" />

DKO said the design had been shaped by the site's landscape setting and surrounding open space.

"Our vision for the site embraces its unique Bidjigal identity by blending the residential living with generous landscaping and a material palette inspired by the Bidjigal locality, and celebrating the panoramic views to Botany Bay and the wetlands reserves."

"Taking cues from Country, we seek to harmonise built form with the landscape and lightly touch the earth. By reconnecting, retaining and regenerating existing ecology, and weaving in natural elements, we can deepen our connection to Country."

The landscape strategy extends across the podium and rooftops, incorporating communal gardens, children's play areas, lawns, community gardens, family gathering spaces and extensive tree planting. New landscaped links will also strengthen the connection between the precinct and Jack Mundey Reserve, while publicly accessible open spaces have been integrated throughout the development.

The proposal builds on Conquest's broader placemaking strategy for the site. Through an ongoing partnership, local artist Joe Rashbrook has been appointed Urban Art Curator, working alongside young residents to transform the project's site hoardings into a public art gallery that allows the community to engage with the redevelopment before construction is complete.

Conquest has rapidly expanded its development pipeline since acquiring the Eastlakes site, with more than $6 billion worth of mixed-use projects now in planning across Sydney, including Stanmore, Castlecrag and Waterloo.

Conquest CEO Michael Akkawi said the redevelopment was about far more than replacing a shopping centre.

First look: ‘Far more than replacing a shopping centre’ as Conquest unveils 736-home Eastlakes redevelopment

Sydney’s property market is known for high prices, competitive bidding, and mounting pressure on first home buyers. But change is on the horizon.

From late 2025, eligible first home buyers in New South Wales will have access to a new federal government initiative aimed at addressing affordability: the Help to Buy Scheme.&nbsp;

<h2>What is the Help to Buy Scheme?</h2>

The program introduces a shared equity model intended to reduce the upfront cost of entering the property market, particularly in high-demand urban areas such as Sydney.

The scheme operates under a shared ownership structure in which the federal government takes an equity stake of up to 40 per cent for new homes, or 30 per cent for existing dwellings. This arrangement allows eligible buyers to significantly reduce their loan size and avoid the added cost of Lenders Mortgage Insurance (LMI).

Under this model, purchasers can enter the property market with as little as a two per cent deposit, well below the traditional 10 to 20 per cent usually required. The government’s contribution is not a loan but a co-ownership stake in the property. As such, there is no interest or rent charged on its portion.

Because the government’s equity combined with the buyer’s deposit typically meets or exceeds the 20 per cent threshold, LMI does not apply. The remaining balance, generally between 60 and 70 per cent of the property’s value, is financed through a standard home loan with a participating lender.

The government's equity in the property remains in place until the buyer chooses to repay it voluntarily or until the property is sold. Buyers can buy back the government’s share over time, in increments of at least five per cent, depending on their financial situation.

There is no fixed repayment timeline, but the amount to be repaid will be based on the property's market value at the time of repayment, not the original purchase price.

<h2>How do you qualify for the&nbsp;Help to Buy Scheme?</h2>

To qualify for the Help to Buy Scheme, applicants must meet the following conditions:

<ul>
	<li>Be an Australian citizen at least 18 years of age.</li>
	<li>Be a first-home buyer who does not currently own property.</li>
	<li>Intend to live in the property as their primary residence.</li>
	<li>Earn less than $100,000 per year for individuals, or $160,000 for couples.</li>
	<li>Purchase a property within the regional price caps, currently $950,000 in Sydney, though this is expected to rise to approximately $1.3 million ahead of the program’s launch.</li>
</ul>

While the Help to Buy Scheme does not solve affordability challenges across the board, it does offer a more accessible pathway for a defined segment of the market, particularly younger buyers with moderate incomes who have been priced out of traditional lending routes.

The scheme is expected to commence in NSW in late 2025, as part of a national rollout.

Under the new model, purchasers can enter the property market with as little as a two per cent deposit, well below the traditional 10 to 20 per cent usually required

Help to Buy Scheme: What first home buyers in NSW need to know

The First Home Owners Grant (FHOG) is a government initiative designed to help eligible first-time home buyers by offering financial assistance towards the purchase or construction of a new home.

While the FHOG is a nationwide program, it is administered separately by each state and territory, meaning the eligibility criteria, grant amounts, and property requirements can vary depending on your location. This means that the amount available and the conditions attached to the grant will differ, so it is important to check the specific guidelines for your state or territory.

It’s important to note that the FHOG is just one of several incentives available to first home buyers. In most states and territories, the grant is not linked to stamp duty exemptions or concessions, with the exception of the Australian Capital Territory (ACT). The FHOG is typically a one-off payment, reducing the overall cost of purchasing or building a new home before any stamp duty concessions are applied.

Below, we provide a breakdown of the First Home Owner Grants available across Australia, outlining the specific details for each state and territory.

<h2>New South Wales First Home Owner Grant</h2>

First Home Owner Grant: Offers a $10,000 grant for new homes valued up to $600,000. For land purchases and owner-builders, the threshold extends to $750,000.

Stamp Duty Benefits: Provides full stamp duty exemption for homes valued up to $800,000, with concessions available for properties up to $1 million.

<h2>Victoria South Wales First Home Owner Grant</h2>

First Home Owner Grant: Provides a $10,000 grant for first-home buyers purchasing or building new homes valued up to $750,000.

Stamp Duty Benefits: Offers full stamp duty exemption for properties up to $600,000, with concessions available up to $750,000.

<h2>Queensland First Home Owner Grant</h2>

First Home Owner Grant: Offers $30,000 for contracts signed between 20 November 2023 and 30 June 2025. The FHOG applies to new homes valued up to $750,000.

Stamp Duty Concessions: Provides additional concessions for properties valued up to $800,000.

<h2>Western Australia First Home Owner Grant</h2>

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First Home Owner Grant: Offers a $10,000 grant for new homes valued up to $750,000 in the southern regions and up to $1 million in the northern regions.

Stamp Duty Concessions: Available for homes valued up to $600,000 for transactions entered into on or after 9 May 2024.

<h2>Australian Capital Territory First Home Owner Grant</h2>

First Home Owner Grant: Replaced by the Home Buyer Concession Scheme, offering full stamp duty concessions for eligible buyers.

<h2>South Australia First Home Owner Grant</h2>

First Home Owner Grant: Provides up to $15,000 for new homes, including houses, apartments, and townhouses. As of 6 June 2024, there is no property value cap for eligibility.

Stamp Duty Relief: Available for new homes and vacant land purchases.

<h2>Tasmania First Home Owner Grant</h2>

First Home Owner Grant: Offers a $10,000 grant for new homes and off the plan purchases.

Stamp Duty Exemption: Between 18 February 2024 and 30 June 2026, first home buyers of established homes valued up to $750,000 receive a full exemption on property transfer duty.

<h2>Northern Territory First Home Owner Grant</h2>

First Home Owner Grant: The Northern Territory provides a $10,000 grant for new homes only. Additional government grants and concessions are available for first home buyers.

Stamp Duty Exemption: The only stamp duty exemption available to property buyers is the House and Land Package Exemption (HLPE).

Eligibility criteria and application processes differ across states. Prospective buyers should refer to their respective state revenue offices for full details on grant availability, conditions, and additional concessions.

Every First Home Owner Grant for new property by state

In the ever-evolving landscape of sustainable architecture and environmentally conscious design, systems and ratings in place can help determine the energy efficiency of residential buildings in Australia.

Australia has multiple building rating systems that evaluate energy efficiency and sustainability in existing and new building designs.

Some systems assess individual building components, while others provide an overall rating for the entire structure.

A rating system ensures that homes are comfortable and energy-efficient, whether you are buying, renovating, or building.

NatHERS (Nationwide House Energy Rating Scheme) is a common way for new homes to meet energy efficiency requirements.

As new developments continue to shape the urban environment, understanding NatHERS ratings becomes essential for developers and homeowners. This article delves into the concept of NatHERS ratings, their significance, and how they contribute to creating energy-efficient homes.

<h2>What is NatHERS?</h2>

NatHERS is a national initiative implemented by the Australian government to promote energy efficiency in residential buildings. The scheme aims to provide a standardised method for assessing the thermal performance of homes, considering factors such as insulation, orientation, ventilation, and building materials.&nbsp;

NatHERS ratings are the most common way new homes meet the National Construction Code's (NCC's) minimum energy efficiency requirements.&nbsp;

NatHERS assessments provide thermal and whole-home ratings for new homes, townhouses, and apartments.

The rating helps evaluate the energy performance of buildings, guides homeowners and developers to make informed decisions about the energy efficiency of their properties, and encourages the construction of more sustainable, comfortable, and cost-effective homes.

<h2>How NatHERS Ratings Work</h2>

NatHERS ratings are determined through four accredited software tools (AccuRate, BERS Pro, FirstRate5, HERO) using a calculation engine CSIRO developed to predict building temperature based on various factors.

The tools can model complex effects of building mass, insulation, window size, and other elements.

The outcome is a star rating that reflects the building's overall thermal efficiency, indicating how well it can maintain a comfortable indoor temperature without excessive reliance on heating or cooling systems.

The star rating scale ranges from 0 to 10, with a 6-star rating being the minimum requirement for compliance with the National Construction Code (NCC).&nbsp;

Achieving a higher star rating demonstrates a commitment to energy efficiency and sustainability, as the building is better equipped to minimise its environmental impact and reduce long-term energy costs.

Anyone can use NatHERS tools, but accredited assessors can provide certified ratings and professional advice.

<h2>Benefits of Higher NatHERS Ratings</h2>

Energy Efficiency: Buildings with higher NatHERS ratings are more energy-efficient, requiring less heating and cooling energy. This reduces the structure's carbon footprint and lowers occupants' energy bills.

Cost Savings: Homes with higher NatHERS ratings are generally more energy-efficient, resulting in reduced energy consumption for heating and cooling. This translates to lower energy bills for homeowners, making sustainable living environmentally friendly and economically viable in the long run.

Environmental Impact: Lower energy consumption directly translates to a reduced environmental impact. Buildings with higher NatHERS ratings contribute to the overall goal of mitigating climate change by lowering greenhouse gas emissions associated with heating and cooling systems.

Improved Comfort: Buildings with high NatHERS ratings offer better thermal comfort to occupants. Proper insulation, well-designed ventilation, and optimal orientation maintain a consistent and comfortable indoor temperature, providing occupants with a more enjoyable and healthier space.

Market Value and Desirability: Higher NatHERS ratings can enhance the market value of a property. As energy efficiency becomes a more significant consideration for homebuyers, a well-rated building may attract a premium price and stand out in the real estate market.

Compliance with Building Codes: NatHERS ratings are a vital component of the National Construction Code (NCC), and compliance with these ratings is often a mandatory requirement for new developments. Local councils and planning authorities may set minimum energy efficiency standards that must be met to obtain development approval.

The Nationwide House Energy Rating Scheme (NatHERS) is a crucial initiative shaping the future of energy-efficient, resilient, and cost-effective homes. With its recent upgrades, NatHERS has evolved into a world-leading tool for the building sector, supporting the global commitment to achieving net-zero emissions by 2050.

Staff Writer

What is a NatHERS rating in new off the plan apartment developments?

Mixed-use developments have gained significant popularity across Australia in recent years due to their unique blend of residential, commercial, and recreational spaces.

Unlike traditional single-purpose developments, mixed-use projects offer a harmonious integration of various functions within a single locale.

Residential units seamlessly coexist with commercial establishments, retail outlets, dining venues, entertainment hubs, and recreational facilities, with the combination not only enhances convenience but also fosters a vibrant lifestyle and a sense of community.

<h3>Convenience and accessibility</h3>

Mixed-use developments are designed with convenience in mind. They often integrate residential units with commercial spaces, retail outlets, restaurants, and recreational facilities, creating a self-contained community.

[smartcode_project:default project_id=114215 project_image_fid=204874]

The proximity allows residents to enjoy the convenience of having essential amenities and services within walking distance. Whether it's grabbing a cup of coffee, going grocery shopping, or accessing healthcare services, everything is conveniently located, saving residents time and effort.

<h3>Vibrant lifestyle and community</h3>

One of the major advantages of mixed-use developments is the vibrant lifestyle they offer. With a diverse range of amenities and communal spaces, residents have ample opportunities to interact, socialise, and build a sense of community.

[smartcode_project:default project_id=107714 project_image_fid=214122]

The presence of parks, community centres, and shared spaces fosters a lively atmosphere, encouraging residents to engage in various activities and events. The vibrant lifestyle within these developments creates a unique sense of belonging and camaraderie among the residents.

<h3>Potential for higher rental yields and property value appreciation</h3>

Mixed-use developments tend to attract a broad range of tenants and buyers due to their versatile nature. This high demand can result in higher rental yields for investors and potentially lead to property value appreciation over time.

[smartcode_project:default project_id=139989 project_image_fid=212887]

The integration of commercial and retail spaces attracts businesses, which can provide a stable rental income stream. Additionally, the popularity of mixed-use developments often drives up property values, making them a potentially lucrative investment in the long term.

<h3>Enhanced security and maintenance</h3>

Mixed-use developments typically have comprehensive security measures in place. With controlled access points, CCTV surveillance, and professional security staff, residents can enjoy enhanced safety and peace of mind.

[smartcode_project:default project_id=108019 project_image_fid=212658]

Additionally, these developments often have dedicated maintenance teams responsible for the upkeep of common areas, landscaping, and infrastructure. This ensures that the overall appearance and functionality of the development are well-maintained, creating a pleasant living environment for residents.

<h3>Live-work-play balance</h3>

One of the key attractions of mixed-use developments is the ability to achieve a desirable live-work-play balance. The integration of residential and commercial spaces allows residents to live closer to their workplaces, reducing commuting time and improving work-life balance.

The proximity to various amenities and recreational facilities encourages an active and healthy lifestyle. Residents can easily access fitness centres, parks, restaurants, and entertainment options, all within the same development, leading to a more fulfilling and convenient way of life.

alisonwarters@gmail.com

The top five reasons to buy in a mixed-use development

When buying a property, everyone needs to be aware of the additional costs that come as part of the buying process.

Often the largest outlay, after the deposit which goes to the bank, is stamp duty.

<h2 style="line-height: 1.38;">What is Stamp Duty?</h2>

Stamp duty is an extra tax to pay the government when you buy land, a property, and other certain assets.

It happens when the legal ownership is transferred. It can also be known as property transfer duty or transfer duty.

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<h2>Who pays Stamp Duty?</h2>

In some circumstances, you may get an exemption. For some states, you won’t have to pay for stamp duty if you are a first home buyer or a pensioner for houses under a particular price. There are also stamp duty concessions, where you may be entitled to a discount.

<h2>How much does Stamp Duty cost?</h2>

Each state has different rules which affect how much you need to pay. These rules can affect the rate you pay, and the timeframe you will need to pay in. Before you buy land or a property, make sure you check the up-to-date information for your state’s stamp duty.

You can use a free stamp duty calculator online to see approximately how much you’ll need to pay. Find out if you’re eligible for an exemption by enquiring on a project via Urban!

Overall, the stamp duty you need to pay will depend on:

<ul>
	<li aria-level="1">How much your land/property is worth</li>
	<li aria-level="1">Where your land/property is located</li>
	<li aria-level="1">What type of land/property it is</li>
</ul>

Want to find out more? <a href="https://www.youtube.com/@UrbanAustralia?utm_source=YouTube&amp;utm_medium=Video&amp;utm_campaign=Subscribe&amp;utm_id=Subscribe">Subscribe to our YouTube channel</a> for more property videos.

Ellen Walker

Off-the-plan property explained: What is stamp duty?

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The ABC’s recently departed director of news Kate Torney and her husband, photojournalist John Donegan have sold their Alexandria home for around $2.2 million.
The couple has moved back to their home town of Melbourne where she recently took up the post of chief executive of the State Library of Victoria.
<a href="https://www.mcgrath.com.au/buy/house-alexandria-nsw-2015/274998/?searchID=56964368" target="_blank">The renovated Victorian-era cottage with modern extension</a> on nearly 300 square metres was bought in mid-2010 for $1.64 million. 
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Librarian chief Kate Torney sells Alexandria cottage as she heads to Victoria

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GUEST OBSERVER
Inflation-targeting central banks usually benefit from what some economists have labelled a “divine coincidence”.
This is when the best policy response to inflation also turns out to be the best response to unemployment. A central bank should raise its policy rate when inflation is high and the unemployment rate is low — and vice versa. All else equal, the effect of such a policy response is that inflation and unemployment will return to their long-run levels.
An absence of a trade-off in achieving an inflation target and stabilising unemployment makes the lives of central bankers relatively easy — most of the time. But, alas, this divine coincidence doesn’t always hold.
The stagflating ‘70s
In the 1970s, central bankers faced a dilemma due to massive spikes in oil prices that resulted in less-than-divine sounding “stagflation” - that is, simultaneously high inflation and unemployment. If central banks pushed interest rates high enough to put a lid on inflation, they would increase unemployment further. But if they tried to hold interest rates down, they risked inflation spiralling out of control.
Most economists believe that central banks were too timid in the 1970sand inflation targeting was developed in the late 1980s and early 1990s as a way to make sure central bankers would keep their eye on the inflation ball whenever the divine coincidence failed again.
A surprising downside to the divine coincidence
The divine coincidence hasn’t really failed since the 1970s. For example, the recent global financial crisis led to lower inflation and higher unemployment in most countries. In this case, central bankers faced no dilemma in pushing interest rates downwards. Their only dilemma was what to do after their policy rates hit the zero lower bound.
But there is a surprising downside to the divine coincidence holding over the past quarter century. It seems to have lulled most everyone into thinking central bankers are miracle workers who can hit two targets with one arrow.
Worse yet, if central bankers can hit two targets, why not ask for more? Shouldn’t they also keep house prices under control? Stock prices? The exchange rate? Bank lending rates?
This idea of targeting bank lending rates has received much attention over the past few weeks in Australia, where the major banks have raised their mortgage rates, supposedly to cover increased costs related to changing capital requirements from Basel III.
Following this increase in bank lending rates, there were public calls for the Reserve Bank of Australia (RBA) to cut its policy rate to help bring mortgage rates back down. The RBA wisely chose not to listen.
But it is notable how easily the (implicit) idea that the RBA should target mortgage rate spreads could become such a focus of the public discussion surrounding monetary policy.
What’s the problem?
Public officials should want to cool an overheating housing market. They should want to minimise anti-competitive practices in the banking industry. And surely they should want a low and stable rate of inflation.
But they just can’t use one instrument - that is, the policy rate — to achieve all of these wonderful outcomes at the same time.
In the absence of more widespread divine coincidences, different desired outcomes will always require different policy instruments. And most practical tools to achieve outcomes other than just low and stable inflation have big distributional consequences.
For example, if policymakers really want to prevent an overheated housing market, they need to design tax and planning policies that influence demand and supply of housing. These have very different effects on homeowners and renters and are clearly more the domain of governments (national and local), rather than a central bank.
Likewise, if policymakers really want to make the banking system more competitive, they should do so via the regulatory environment. To be sure, any policy changes along these lines ought to involve consultation with the central bank given that there is a likely trade-off between a more competitive banking system and greater systemic risks, at least if the recent experience of the global financial crisis is any indication.
But the point is that such policy should not be conducted by a central bank alone. And it definitely shouldn’t be done by adjustments to the policy rate. This would be a misguided “duct tape” solution to a more serious architectural flaw.
Who is steering the ship?
Inflation targeting central bankers need to focus on their main objective of stabilising inflation and not be sidetracked into trying to correct all other macroeconomic and financial problems. They are not miracle workers — although they have generally delivered on their inflation targets.
To the extent the divine coincidence has held, inflation targeting central bankers have been lucky enough to also help stabilise unemployment. But they should not be expected to offset the effects of an uncompetitive banking system — or ill-conceived fiscal policy, for that matter. Their objective of low and stable inflation should always guide their decisions, not a response to the decisions of others with different objectives.
We should expect central banks to be focused on the inflation horizon, not to be divine.
 
 
James Morley is professor of economics and Associate Dean (Research), UNSW Australia and author for The Conversation.
He can be contacted <a href="https://theconversation.com/profiles/james-morley-9918" target="_blank">here</a>.
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RBA Governor Glenn Stevens is a not a miracle worker

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GUET OBSERVER
In its November Statement on Monetary Policy (SoMP), the Reserve Bank maintained its key forecast that growth in the economy would be 3.00% in the year to December 2016.
We believe this is 0.25% above where the Bank currently estimates trend growth. Therefore, at this stage, the Bank expects there will be no need to cut rates further in 2016. If it had for instance decided to cut rates in November, or was signalling an intention to cut at the December board meeting, it is likely to have forecast growth in 2016 at 2.50% – 0.25% below trend.
The growth forecast for the year to December 2015 has been lowered to 2.25% from 2.50% in the August SoMP. This largely reflects the soft 0.2% of Q2, but also indicates that the Bank is expecting growth in the final two quarters of 2015 to average around 0.60% (slightly below trend, unchanged from the August view). It has lowered its forecast for growth to the year ending December 2017, from 3.75% to 3.50%. Importantly, that is not a downgrade on the outlook for domestic demand, but simply reflects a revision to the expected contribution to net exports from LNG.
Overall, the Bank’s growth forecasts are little changed since the August SoMP.
There were also changes to the inflation outlook. Underlying inflation to December 2015 has been lowered from 2.50% to 2.00%. With 1.30% coming in the first half of 2015, and the surprisingly low 0.3% read of the September quarter, the implied assumption is for another low number in the December quarter – around 0.40–0.50%.
Underlying inflation through the year ended June 2016 is also forecast at 2.00%, indicating an expectation that these measures will resume a “normal pace” of around 0.60% per quarter in the first half of 2016. Consistent with that view, underlying inflation is expected to print 2.50% in the year to December 2016 – back to the middle of the target range. That forecast is maintained for the year to December 2017.
The discussion around inflation highlights that the lagged effect of the fall in the Australian dollar is expected to add around 0.50% to underlying inflation in both 2016 and 2017. That means the drag on inflation from domestic factors, particularly weak wages growth, is expected to be sustained in 2016 and 2017.
Assumptions
In February this year, the Bank adopted a new assumption around the interest rates being used to drive their forecasts. That assumption was to move away from “rates unchanged” to “rates to move broadly in line with market pricing”, although that is qualified with “does not represent a commitment by the Board to any particular path or policy”.
In August for instance, market pricing implied a 40% probability of a rate cut by November, rising to a 60% probability of a cut by February. Today’s market pricing is more aggressive, with a 75% probability of a cut by February, and a 100% probability of a cut by May. Clearly the Bank is in an awkward position and probably values stability in communications rather than changing its model unexpectedly.
With growth forecast at 3.00% next year, we expect that, even with a no rate change forecast, the growth forecast in 2016 would still have been at or above trend, and therefore this assumption does not imply that the rate cut is necessary to achieve at or above trend growth.
It is also important that the assumptions around bank interest rates are noted. The assumption here is that banks will increase interest rates on variable rate mortgages by up to 20bps. This assumption implies that no further increases by the banks are considered likely.
Other assumptions around the AUD and oil prices are broadly the same as in the August SoMP. The AUD is forecast to remains steady at USD0.72 (USD0.74 in August). And the oil price at USD52 per barrel, compared to USD53 per barrel in August.
Commentary
Because the Bank does not consistently provide forecasts for the unemployment rate, the commentary around the labour market is always important. In that regard, the Bank notes “employment growth is expected to be a bit stronger than had been forecast earlier”. Leading indicators around the business surveys, job advertisements and vacancies are pointing to an uptrend in employment. On the other hand, there is no marked upgrading of the outlook for the unemployment rate. In August, the Bank expected it to remain steady and to decline gradually in 2016 H2 and 2017. However, this lift in employment growth is expected to be offset by a more than expected increase in labour supply, due to the increase in the participation rate – overall, a marginally more positive assessment of the labour market since August, and significantly more positive than seen in May, when the Bank expected that the unemployment rate would continue to rise.
The Household Sector
The key to the expected lift in growth between 2015 (2.25%) and 2016 (3.00%) is the view on household consumption. The Bank expects household consumption growth to be a bit above average in 2016 (that is broadly 3.00%+ compared to 2.00–2.50% in 2015). That is expected to be driven by the stronger employment growth and falls in the savings rate, although it is recognised that weak wages growth will continue to weigh on income growth. From our perspective, this is a key assumption. Evidence that
the household sector is not gaining momentum will be the key trigger for the bank to revise down its growth outlook.
Housing
Views on house prices remain cautious, with risks that excess demand could continue to pressure prices, particularly in Sydney. The forecasts also indicate that the Bank expects residential investment to add to growth in 2016 given the strong pipeline – a forecast that we do not share.
Business Investment
The Bank continues to forecast an overall fall in business investment, with the downturn in mining investment swamping improving non-mining investment. The commentary on non-mining investment is more upbeat than we have seen in recent SoMP’s. For example, in August, the Bank further revised down its forecasts for non-mining investment. Whereas, in this SoMP, it notes that “the preconditions for a pick-up in investment are in place”.
The Outlook
We continue to expect that rates will remain on hold over the course of 2016. The Bank’s forecasts in this statement are consistent with it expecting that to be the outcome as well. However, the fact that it is using a “rate cut profile” for its forecasts and appears to expect that the December quarter underlying inflation print will be a soft circa 0.40–0.50% signals that the risks to our outlook are to the downside.
The key appears to be an ongoing improvement in employment growth which will boost consumer confidence and lift the pace of household spending. Our forecasts for household spending and GDP growth are slightly more modest than indicated in the SoMP, but are still consistent with steady rates. Surprises for the Bank might always be a further substantial deterioration in the terms of trade, associated with a weaker than expected world environment which would threaten incomes, and the all important profile for household spending and employment.
The really key events in the lead up to the February Board meeting will be the Q3 national accounts, printing on December 2, and the December quarter inflation report printing on January 27. Further, any major shocks to the global economy which significantly lower our terms of trade will also be very important.
As discussed however, the Bank will need to assess all of these factors as pointing to a downward revision to growth in 2016, from its current 3.00% to a below trend 2.50%, to trigger lower rates.
Bill Evans is chief economist of <a href="https://www.westpac.com.au/" target="_blank">Westpac</a>.
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RBA Statement on Monetary Policy consistent with rates on hold in 2016: Westpac's Bill Evans

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The graphs summarise macroeconomic and financial market trends in Australia as viewed by the Reserve Bank of Australia.
The charts cover Household Saving Ratio, Private Residential Building Approvals (below), Household Finances, Household Wealth and Liabilities, Housing Prices and Housing Loan Approvals. <a href="https://www.rba.gov.au/chart-pack/household-sector" target="_blank">Click here</a> to view them all.
<a href="/images/2015/11/5/Screen%20Shot%202015-11-06%20at%2012.27.59%20PM.png" target="_blank">Click to enlarge</a>
<img src="/images/2015/11/5/Screen%20Shot%202015-11-06%20at%2012.27.59%20PM.png" alt="">
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Six charts that shape RBA rate thinking: November chart pack

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Auction clearance rates fell for the third consecutive week across the combined capital cities, down to 61.0% last week across a total of 2,288 reported auction results. 
This week 1,297 are scheduled across Sydney, with the 1,262 auctions are scheduled for Melbourne, accounting for over 80 per cent of all capital city auctions. 
Auction activity in Sydney has increased since this time last year, the latest CoreLogic RP Data figures show.
There are 1,297 auctions this week as opposed to 1,261 this time last year.
Brisbane, Canberra, Sydney, and Perth are all expecting fewer auctions than last week, while in Melbourne and Adelaide, the number of auctions this week relative to last week is higher. 
CoreLogic RP Data say Mosman is the busiest Sydney suburb with 18 auctions scheduled.
Last weekend the previously strong inner west in Sydney fell to its weakest auction clearance rate for some time, at 64%. The east, that had also been travelling above 80%, also fell, but only to the mid 70s. 
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Sydney inner west and east auction clearance rate tumbles: CoreLogic RP Data

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Government Property NSW has sold its 1910 Munn Street, Millers Point apartment for $5.5 million, and announced eight new property listings for auction, including a Victorian terrace at prestigious 1 Lower Fort Street.
The pre-auction price guidance was $4.5 million plus.
The auction was through Richard Shalhoub and Peter Starr of McGrath.
“Highly competitive bidding was always expected for the freehold block of four two-bedroom apartments on Munn Street, given its exceptional location,” said Government Property NSW chief executive Brett Newman.
The property is situated in one of the most sought after areas of Millers Point with panoramic views across Barangaroo and towards Balmain.
Its apartments were ranging from 83sqm to 104sqm in size.
To date 39 government-owned properties have sold in Millers Point, raising more than $92 million for social housing across the state.
Proceeds from the Millers Point auctions are being reinvested into building more than 1,500 social housing dwellings across Sydney and regional NSW.
Close to 100 new dwellings have already been built in Condell Park, Padstow, Yagoona, Gymea, Lurnea, Chester Hill, Kingswood, Mount Warrigal, Beverly Hills, Warilla, Casula and Miranda.
The upcoming 1 Lower Fort Street – a four storey Victorian terrace built in the late 1870s which forms part of Milton Terrace row - has been listed for December 3 auction.
“Milton Terrace is one of the few remaining intact grand Victorian terraces in inner Sydney, and was built to coincide with the staging of the International Exhibition in 1879,” Newman said.
Another seven properties, marketed by McGrath Estate Agents, are:
<ul>
<li>Three residences in the Davies Terrace row built circa 1870: 28 Merriman Street (three bedrooms), 36 Merriman Street, (two bedrooms) and 38 Merriman Street (three bedrooms)</li>
<li>36 Kent Street, a three-bedroom terrace</li>
<li>55 Kent Street, a four-bedroom sandstone terrace</li>
<li>59 Kent Street, a three-bedroom end terrace in the Hexham Terrace row</li>
<li>71 Windmill Street, a four-bedroom terrace</li>
</ul>
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NSW government raises $5.5 million through Millers Point property auction; eight more up for bidding

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Some 1,220 auctions across 320 suburbs are expected across Victoria this weekend with Mount Waverley, Resevoir and Epping tipped as the hot auction locations by the REIV.
Waverley has 23 auctions slated, Reservoir 18 auctions and Epping 17 auctions
According to the REIV, Murrumbeena boasted the highest clearance rate for any Melbourne suburb in October 2015 (95%), followed by three suburbs from inner Melbourne – Kensington, West Footscray and Thornbury, all reporting clearance rates of 94%.
<table border="0" cellspacing="1" cellpadding="1"><tbody>
<tr>
<td>Last weekend</td>
<td>527 auctions (exc. 19 postponed and 17 withdrawn) </td>
</tr>
<tr>
<td>This weekend</td>
<td>1,220 auctions</td>
</tr>
<tr>
<td>This weekend last year     </td>
<td>64% from 1,143 auctions 
</td>
</tr>
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<a href="/images/2015/11/5/Screen%20Shot%202015-11-06%20at%2010.02.58%20AM.png" target="_blank">Click to enlarge</a>
<img src="/images/2015/11/5/Screen%20Shot%202015-11-06%20at%2010.02.58%20AM.png" alt="">
<a href="https://www.reiv.com.au" target="_blank">Source: REIV</a>
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Tight weekend auction market for Victoria's Waverley, Epping

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Auction clearance rates fell for the third consecutive week across the combined capital cities, down to 61.0% last week across a total of 2,288 reported auction results.
The number of auctions due to be held across the capital cities this week rose to 3,068 from 2,547 last week when there were just 629 auctions held across Melbourne as the city prepared for Melbourne Cup.
This week, 1,262 auctions are scheduled for Melbourne and 1,297 across Sydney, accounting for over 80% of all capital city auctions. These figures also demonstrate just how much of an impact these two auction markets results can have on the weighted average clearance rate. Last week, Sydney’s final clearance rate fell to 60.2%, heightening the reality that the clearance rate could likely slip into the 50’s over the coming weeks to wrap up an otherwise strong year for the city.
Brisbane, Canberra, Sydney, and Perth are all expecting fewer auctions than last week, while in Melbourne and Adelaide, the number of auctions this week relative to last week is higher.
Compared to last year when there were 2,942 auctions held across the combined capitals, auction activity will be busier in Adelaide, Melbourne and Sydney this year, while volumes are expected to be slightly lower in Brisbane, Canberra and Perth as per below
Sydney: 1,297 this year, 1,261 last year Melbourne: 1,262 this year, 1,139 last year Adelaide: 151 this year, 131 last year Canberra: 127 this year, 141 last year Brisbane: 173 this year, 188 last year Perth: 45 this year, 65 last year
In terms of clearance rates, last week the best performing capital city auction market was Canberra, where 71.0% of the reported auctions were successful. Following this was Melbourne, where the final auction clearance rate for the week came in at 65.6%.
This week, the busiest individual suburbs for auctions nationally are Mount Waverley (Vic) with 23, Glen Waverley (Vic) with 18 and Mosman (NSW) with 17.
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Combined capital clearance rate at 61% while auction volumes rise: CoreLogic RP Data's Shana Miller

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This week, I came across a couple of quotes that really resonated with me. They were both around giving. 
It's funny but developing property in a way can be very 'taking'. What I mean by this is that you are always trying to get something more like a better deal or cheaper cost, a faster timeframe or a better sale price or rent.
But I've found over the years, if you give first then it becomes a far more enjoyable journey.
The first quote is from Robert Kiyosaki, the famous author of Rich Dad, Poor Dad. I read this book 15 years ago and it changed my life.
"Teach and you shall receive."
I think he's used a twist on a well known biblical quote 'Ask and you shall receive'. Maybe he was thinking along the lines of teaching so they didn't have to ask?  
Teaching someone is giving them the gift of your knowledge and experience and it's one of the many tips that Kiyosaki shares throughout the book. His words are eloquent concerning this idea: “There are powers in this world that are much smarter than we are. You can get there on your own, but it’s easier with the help of the powers that be. All you need to be is generous with what you have, and the powers will be generous with you.”
I call these "powers that be" the Universe and for me it is a powerful thing.
The other quote I liked is from Mike Dooley, author and entrepreneur - "Every time you give, whether it's your time, your compassion or your financial abundance, you're saying 'I am provided for'."
He's talking about leveraging the Universe and he says giving is powerful because it's a physical act that can demonstrate you know you're ok and that you have enough and it's this sentiment or perhaps energy that manifests for you.
Giving is such a simple thing we can all include in our everyday lives. It can be the smallest gift of a compliment that may make someone's moment a bit brighter.
Relating this back to property development, I do try to incorporate giving into our business. We hope what we give to our clients - time, knowledge and experience meets a number of their needs and helps them move towards financial freedom. Our clients pay us for our service but it's the extra thing - education - that we incorporate into this service in the hope they'll be able to use it sometime in the future.
I also hope by writing each week that I'm sharing something with those who read my stories. When I sit down and wonder what I'm going to write about today, I always try and make it come from my heart as well as my head and hope the information may help someone with what they are trying to achieve. 
 
Jo Chivers is chief executive officer of property development project managers <a href="https://www.propertybloom.com.au/about" target="_blank">Property Bloom</a>.
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Teach and you shall give: Jo Chivers

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GEUST OBSERVER
Some Australian birds are pushing out other species, and even damaging trees. Noisy and bell miners are two of Australia’s most aggressive bird species. Found throughout eastern Australia, in recent years their numbers have increased at the expense of our smaller birds.
Both myna species are spreading to new areas, largely due to human destruction of habitat. Noisy miners are able to invade areas where habitat has been modified, particularly gardens.
Bell miners, meanwhile, can invade areas that have invasions of weeds in the understorey such as blackberry and lantana that they use for nesting.
The good news is we can help stop the spread of these birds, by putting native plants in our gardens.
<h2>Good birds gone bad</h2>
Both species of these miners (genus Manorina) have been found to reduce bird diversity through their aggressive behaviour, and have been associated with eucalypt dieback.
Human disturbance has been linked to increasing numbers of noisy miners. One study in the box-ironbark forests of southeast Australia, found that noisy miners an move into areas of smaller fragments and unhealthy trees.
They then chase away other birds, reducing the number of species and potentially having knock-on effects on ecosystems. The problem is so serious that noisy miners are listed as a national threatening process.
More research is needed to find out why bell miners are becoming more common. But our research has found that bell miners show similar behaviour to noisy miners. They have a distinctive call that travels for tens of metres through the forest.
Bell miners cause Bell Miner Associated Dieback in trees. It is thought that their feeding and breeding behaviours lead to the death of eucalypts on the east coast of Australia. They also take over habitat that would be used by other birds.
<h2>Are the birds to blame?</h2>
Where miners are normally found in lower numbers, disturbances by people can tip the balance in their favour. This includes increasing noise levels, removing corridors of connecting native vegetation, creating gardens with exotic plants, building cities, houses, parks, logging and introducing invasive species that create thick understories.
These disturbances increase the habitat available for these two species, allowing them to increase in number and drive out the smaller birds that compete for their food sources.
Noisy miners particularly favour open areas that don’t have thickets of shrubs of smaller trees underneath the canopy. Conversely, bell miners prefer thick understoreys, particularly those create by introduced weeds such as lantana.
So if we are causing these birds to increase in number, how can we reduce their numbers and re-create the original habitat where all species could co-exist?
<h2>Build a bird-friendly garden</h2>
You need to create a multi-layered habitat of ground covers, small and medium shrubs, and trees that provide food and shelter locations all year for a variety of species.
These plant species need to have diverse structures, and should be close together to form dense, protective thickets, including climbers within medium-to-tall shrubs and trees, nectar-bearing and seed-bearing plants. Mulch can also encourage insect life for insectivorous birds.
Plants should also be local species that grow naturally in the area and are suited to the climate. Native birds that live in the area will then visit your garden as another food source in their territory.
Reducing weeds in your garden and neighbouring bushland (many weeds are derived from garden plants) can help native species. General natives can also be planted if you can’t find local natives in your local nursery.
Even in gardens where noisy miners dominate, smaller birds can survive in a dense understorey.
Meanwhile, a thin midstorey with fewer leaves may help to reduce bell miner abundance, as suggested by our recent study near Kyogle, New South Wales.
You should also consider the timing of flower and fruit production, to ensure that there is always food available for birds. You should also remove fruiting plants such as cotoneaster and blackberry that attract predators such as currawongs, to help reduce predation on smaller bird species.
Using chemical-free weed and pest control and mulching garden waste can also increase the food available for birds.
Lawns can also be replaced with native grasses that produce seed to attract finches and other seed-eaters such as crimson rosellas. Birds also need fresh water, which you can provide with a pond or bird bath. This should be placed within vegetation to ensure birds feel safe from predators.
<h2>Why are native gardens important?</h2>
Local biodiversity can be maintained by native gardens, ensuring long-term ecological sustainability. Small birds and other wildlife benefit from planting native species.
Many species are negatively affected by the current structure of gardens such as lawns, few scattered trees and the placement of concrete and houses without any access to nesting habitat.
Gardening in Australia needs to be changed to favour more native species and provide structure on a landscape scale that includes a variety of gardens.
 
Kathryn Teare Ada Lambert is research associate, University of New England and author for The Conversation. She can be contacted <a href="https://theconversation.com/profiles/kathryn-teare-ada-lambert-186436" target="_blank">here</a>.
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