<p>ASX-listed developer <a href="https://www.apartments.com.au/developers/stockland">Stockland</a>&nbsp;is continuing its push back into the new apartment market, filing plans for a prominent gateway site between Collingwood and East Melbourne.</p>

<p>The development giant, which moved back into the new apartment space when it announced Stanton Place in Sydney's Rosebery and have since filed plans for a 50-storey tower, are jumping into the off the plan Melbourne market.</p>

<p>They are hoping to create a mixed-use neighbourhood precinct for <a href="https://www.apartments.com.au/new-apartments/79-81-victoria-parade-collingwood-vic-3066">79-81 Victoria Parade</a>, replacing an existing commercial building with a scheme by <a href="https://www.apartments.com.au/architects/john-wardle-architects">Wardle</a>&nbsp;for 478 apartments,&nbsp;ground-floor retail, new public open spaces and a publicly accessible pedestrian laneway.</p>

<p><img alt="First look: Stockland plans new mixed-use neighbourhood precinct for Collingwood gateway site" data-entity-type="file" data-entity-uuid="72dbbca9-3918-4073-afad-a0c0c35be8e7" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/stockland%20pers.png?VersionId=bzMVUKKxvwuNK1m0v_td126Rgct32uk_" /></p>

<p>The design report identifies the public realm as a central driver of the proposal.</p>

<p>"Collingwood has limited access to high-quality parks and public open space, and the proposal delivers valuable new areas for respite, social interaction and fine-grain retail activity."</p>

<p>The development would deliver a diverse mix of housing, including studio, one, two and three-bedroom apartments alongside townhouse-style residences. Two basement levels are proposed beneath the development, providing resident and retail parking as well as extensive bicycle facilities.</p>

<p>Wardle's design draws heavily on Collingwood's industrial character, using articulated building forms, brickwork and robust materials inspired by the suburb's warehouse and manufacturing heritage. The built form has been broken into a series of smaller volumes to better respond to the surrounding streetscape while extensive communal gardens, rooftop amenities and shared resident spaces are integrated throughout the project.</p>

<p><img alt="First look: Stockland plans new mixed-use neighbourhood precinct for Collingwood gateway site" data-entity-type="file" data-entity-uuid="7b2135ed-65df-4253-ad53-f216f06bd467" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/stockland%20podium.png?VersionId=l1B6Hqn8zs772VxH6L1fDPg0KHshan9v" /></p>

<p>The planning documents describe the existing office building as offering little engagement with the public realm, with the redevelopment intended to create a more permeable and active neighbourhood destination.</p>

<p>"The proposed scheme presents a significant opportunity to deliver a vibrant retail plaza and a local neighbourhood hub serving both existing and future Collingwood residents."</p>

<p>The 79–81 Victoria Parade site occupies a strategic location about 1.5 kilometres east of Melbourne's CBD, at the threshold between Collingwood and East Melbourne. It is well served by tram services along Victoria Parade and sits within walking distance of St Vincent's Hospital, Fitzroy Gardens, the Fitzroy activity centre and a broad range of employment, retail and hospitality destinations.</p>


Joel Robinson

Stockland plans new mixed-use neighbourhood precinct for Collingwood gateway site

<p>An 1880s timber cottage that has survived Kangaroo Point's transformation from riverside suburb to high-density apartment precinct is set to become the centrepiece of <a href="https://www.apartments.com.au/developers/zephyr">Zephyr Group</a>'s proposed Banksia development.</p>

<p>Rather than see the locally heritage-listed Alpha Cottage as an obstacle to navigate, plans integrate the landmark home into a new 18-storey residential tower, giving one of the suburb's oldest surviving residences a new role as the project's communal hub.</p>

<p>The development application covers a 1,177 sqm amalgamated site at 127-133 Lambert Street and 30 Shafston Avenue, where Zephyr Group plans to deliver 64 apartments above three basement levels. Designed by <a href="https://www.apartments.com.au/architects/joe-adsett-architects">Joe Adsett Architects</a>, the proposal carefully weaves the retained heritage cottage into a contemporary residential scheme, with the tower elevated above the historic building to preserve its presence within the Lambert Street streetscape.</p>

<p><img alt="First look: Zephyr Group's Banksia to wrap new Kangaroo Point tower around 1880s Alpha Cottage" data-entity-type="file" data-entity-uuid="f9dc5bdb-d691-4c60-bf2b-c3ed405a3e75" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/Banksia.png?VersionId=Jh4bjlewU.o8HXWt0V4KaFA_lPcF7KWM" /></p>

<p>Named after the native Australian Banksia flower, the project draws inspiration from its distinctive form through curved balconies, sculpted planter boxes and cascading subtropical landscaping that soften the building's profile.</p>

<p>As the design report explains: "The tower's identity is defined by its feature facade, drawing direct inspiration from the Banksia wildflower. The building departs from traditional rigidity through the use of elegant, GRC-moulded planter boxes that appear as if shaped by the breeze."</p>

<p>Plans propose 64 apartments, comprising 32 two-bedroom and 32 three-bedroom residences, across an 18-storey tower. Residents would have access to rooftop amenities including a swimming pool, spa, gym, sauna, private cinema, dining spaces and landscaped recreation areas, while more than half the site is dedicated to planting and open space.</p>

<p><img alt="First look: Zephyr Group's Banksia to wrap new Kangaroo Point tower around 1880s Alpha Cottage" data-entity-type="file" data-entity-uuid="16041b5f-033e-47fa-8fbe-9886e072c1f2" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/pool.png?VersionId=kpx5w4EbLx0_TdWfDoD1vrSs0_cZ5Ao1" /></p>

<p>The heritage component is the defining feature of the proposal. Constructed in the early 1880s and occupied from at least 1883, Alpha Cottage is recognised by Brisbane City Council as an important surviving example of Kangaroo Point's nineteenth-century residential development and as a representative transverse-gable timber cottage. Despite extensive redevelopment across the peninsula, the building has retained a high degree of its original form and internal fabric.</p>

<p>As part of the redevelopment, the cottage will be carefully relocated a short distance within its original allotment to facilitate construction before being returned to a prominent position along Lambert Street. Original verandah elements will be dismantled, catalogued and reinstated, while significant internal features, including timber flooring, wall linings, joinery, doors, windows and hardware, will be retained. Later additions, including the enclosed rear verandah, will be removed to better reveal the building's original form.</p>

<p>Once restored, Alpha Cottage will accommodate the building manager's office, mail room and parcel facilities, providing an active everyday use that supports its long-term conservation rather than preserving it as a static display. The heritage strategy also maintains landscaped space around the building, allowing it to remain visually distinct beneath the new tower.</p>

<p><img alt="First look: Zephyr Group's Banksia to wrap new Kangaroo Point tower around 1880s Alpha Cottage" data-entity-type="file" data-entity-uuid="43b027e1-576e-4624-a66c-7cc54ea8b7be" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/banksia%20tower.png?VersionId=2W6E2yfkj2AQlWlLeV986grA5zB9f817" /></p>

<p>The Heritage Impact Assessment concludes that "the proposal secures the ongoing occupation, maintenance and conservation of Alpha Cottage," finding the development would result in "no more than a minor impact on the cultural heritage significance" of the building while ensuring its long-term future.</p>

<p>Joe Adsett Architects have designed the tower to sit above the heritage building rather than overwhelm it, creating a clear visual separation between old and new. The development's flowing balconies, integrated planting and organic façade respond to Brisbane's subtropical climate while complementing the restored cottage below.</p>

<p>Banksia occupies a prominent corner in Kangaroo Point within walking distance of the Kangaroo Point Bridge, Brisbane River, ferry services, QUT, the CBD and the Woolloongabba precinct. The site also benefits from direct access to active transport infrastructure and sits within an area earmarked for continued higher-density residential growth.</p>


Zephyr Group's Banksia to wrap new Kangaroo Point tower around 1880s Alpha Cottage

<p>Buying into a masterplanned community often means committing to a vision still years from taking shape. At <a href="https://www.apartments.com.au/new-apartments/kew-tallawong-23-27-schofields-road-tallawong-nsw-2762">Kew Tallawong</a>, that vision is already visible.</p>

<p>Residents have moved into the completed first stage, landscaped spaces are established, and the next chapter is now underway. Stage 1 has been completed and settled, with Stage 2 now selling off-the-plan.</p>

<p>Designed by <a href="https://www.apartments.com.au/architects/pbd-architects">PBD Architects</a>, <a href="https://www.apartments.com.au/new-apartments/kew-tallawong-23-27-schofields-road-tallawong-nsw-2762">Kew Tallawong</a> combines attainable apartment living with sustainability initiatives rarely seen at this price point, including rooftop solar, battery storage and a resident EV-sharing program.</p>

<p><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/6RNt3AvtBpI?si=JUhuCV2ZRXsYaoJZ" title="YouTube video player" width="560"></iframe></p>

<p>Located on Schofi​elds Road, just moments from Tal​lawong Metro Station and Schof​ields Train Station, <a href="https://www.apartments.com.au/new-apartments/kew-tallawong-23-27-schofields-road-tallawong-nsw-2762">Kew Tallawong</a> has been designed to appeal to a broad mix of buyers, from first-home purchasers looking for a foothold in Sy​dney's property market to downsizers seeking a connected, low-maintenance lifestyle.</p>

<p><a href="https://www.apartments.com.au/new-apartments/kew-tallawong-23-27-schofields-road-tallawong-nsw-2762">Kew Tallawong</a> has been conceived as a thoughtfully planned masterplanned community that will evolve over multiple stages, with buyers now able to secure one, two and three-bedroom apartments within a neighbourhood that is already beginning to establish its identity.</p>

<p>One of the project's defining features is its focus on sustainability. Solar energy systems, battery storage and future EV charging infrastructure have been incorporated throughout the development, reflecting a long-term approach to both environmental performance and everyday convenience.</p>

<p>Sustainability sits at the centre of the development's vision, with solar energy systems, battery storage and future EV charging infrastructure integrated throughout the community.</p>

<p>That emphasis on future-ready living extends beyond the technology. Landscaped communal gardens, outdoor gathering spaces and plans for a future retail precinct aim to create a neighbourhood where residents can access daily conveniences without travelling far from home.</p>

<p>[smartcode_project:default project_id=149637 project_image_fid=351027]</p>

<p>The apartments themselves have been designed with liveability front of mind. Rather than chasing maximum density, the focus has been placed on creating practical homes with generous natural light, usable layouts and strong connections to outdoor space.</p>

<p>Importantly, these design principles have been applied consistently across the one, two and three-bedroom apartment offerings.</p>

<p>The appeal of <a href="https://www.apartments.com.au/new-apartments/kew-tallawong-23-27-schofields-road-tallawong-nsw-2762">Kew Tallawong</a> is also closely linked to its location within Syd​ney's rapidly evolving north-west growth corridor. Over the past decade, major infrastructure investment has transformed the area, with new transport links, business precincts and community facilities reshaping suburbs like Talla​wong and Schofiel​ds.</p>

<p>The agent says buyers are increasingly recognising the area's long-term potential.</p>

<p>"Typical buyers that we're finding across <a href="https://www.apartments.com.au/new-apartments/kew-tallawong-23-27-schofields-road-tallawong-nsw-2762">Kew Tallawong</a> especially are your first-home buyers, your investors, your upsizers as well as your downsizers," Hawes says.</p>

<p>Connectivity remains one of the project's strongest drawcards. Residents have access to both Tallaw​ong Metro Station and Schofi​elds Train Station, providing links to the Sydn​ey CBD, Norw​est Business Park, Macquari​e Park and other major employment hubs. Retail centres including Rous​e Hill Town Centre and Sch​ofields Village are also nearby, alongside schools, parks and future healthcare infrastructure.</p>

<p>[smartcode_project:default project_id=149637 project_image_fid=351031]</p>

<p>For Stage 1 resident Roji, it is the balance between convenience and comfort that has defined the experience of living at Kew.</p>

<p>"For me, it's a balance of quality and convenience," she says. "Everything I need is right here."</p>

<p>"If I wanted to catch the train, Scho​fields Station is just around the corner. Tallaw​ong Metro connects me to the city."</p>

<p>More importantly, she says, the development has delivered something that cannot be measured in floorplans or specifications.</p>

<p>"<a href="https://www.apartments.com.au/new-apartments/kew-tallawong-23-27-schofields-road-tallawong-nsw-2762">Kew Tallawong</a> feels like home."</p>

<p>[smartcode_project:default project_id=149637 project_image_fid=351024]</p>

<p>As Stage 2 enters the market, that lived experience may be one of the project's strongest selling points. Buyers are not purchasing into an untested concept or a future promise. They are joining a community that is already taking shape.</p>

<p>Ongoing investment in transport, retail, healthcare and public open space continues to strengthen the appeal of Syd​ney's north-west growth corridor, while <a href="https://www.apartments.com.au/new-apartments/kew-tallawong-23-27-schofields-road-tallawong-nsw-2762">Kew Tallawong</a>'s established first stage provides buyers with a tangible sense of the community's future direction.</p>

<p>For a limited time, buyer can secure a new home at <a href="https://www.apartments.com.au/new-apartments/kew-tallawong-23-27-schofields-road-tallawong-nsw-2762">Kew Tallawong</a> with just a $10,000.</p>

<p>[smartcode_project_cta:default project_id=149637]</p>


Kew Tallawong: A growing community taking shape in Sydney's north-west

<p><a href="https://www.apartments.com.au/developers/freecity">Freecity</a> has received development approval for its 51-storey mixed-use tower at 153-157 Walker Street, North Sydney, set to be one of the tallest mixed-use residential-led buildings in one of Sydney’s most sought-after commercial and residential addresses.</p>

<p>Lodged as a State Significant Development Application (SSDA) through the Housing Delivery Authority (HDA) pathway and approved by the NSW Department of Planning, Housing and Infrastructure following a comprehensive public exhibition and submissions process, <a href="https://www.apartments.com.au/new-apartments/153-walker-street-north-sydney-nsw-2060">the project</a> will deliver 296 apartments, alongside a 170-room, luxury hotel, activated retail and significant public domain improvements.</p>

<p>Situated just 200 metres from Victoria Cross Metro Station, on one of the largest developable sites in North Sydney, the development will rise to 234 metres, making it one of the tallest buildings in the suburb. With an end value of approximately $1.5 billion, the project responds directly to the NSW Government’s mandate to accelerate housing delivery in well-located, transit-connected areas.</p>

<p><img alt="Freecity gets green light for mixed-use residential and hotel tower in North Sydney" data-entity-type="file" data-entity-uuid="192ec455-94bf-4e01-83ef-922b1b269d67" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/Freecity%20-%20Walker%20Street%20North%20Sydney%201%20RESIZED%20.jpg?VersionId=Bzqp0SBHCDvLAHjA4QXkjuGoOEIh73Jl" /></p>

<p data-end="1160" data-start="703">The apartment mix will cater to a broad range of buyers, with 65 studio and one-bedroom apartments, 139 two-bedroom residences, 35 three-bedroom apartments, 48 four-bedroom homes, and nine penthouses. Residents will have access to a dedicated amenity level on Level 33, featuring a swimming pool with views towards the Harbour Bridge, Sydney Opera House and North Sydney CBD, as well as a gym, library, shared kitchen, lounge and outdoor entertaining areas.</p>

<p data-end="1394" data-start="1162">The hotel will occupy the lower six levels of the building and include meeting and function spaces, a wellness centre with gym, yoga studio, swimming pool and sauna, further strengthening North Sydney's growing hospitality offering.</p>

<p data-end="1767" data-start="1396">At ground level, the development has been designed to improve pedestrian connections through the precinct. More than 700 sqm of retail space will activate the street frontage, while a landscaped through-site link connecting Walker Street, Little Walker Street and Doris Fitton Park will provide new public open space with seating, paving and extensive native landscaping.</p>

<p data-end="1936" data-start="1769">Freecity Group Co-Founder and Joint CEO Tony Sun said the project represents one of the most significant development opportunities currently available in North Sydney.</p>

<p data-end="2070" data-start="1938">"This is one of the most significant development sites in North Sydney and it comes at a pivotal moment for the precinct," Sun said.</p>

<p data-end="2230" data-start="2072">"North Sydney is undergoing a genuine transformation, and this project will contribute housing the city urgently needs while creating a landmark destination."</p>

<p data-end="2397" data-start="2232">Executive Director of Development Michael Romano said demand for both residential and hotel accommodation would continue to strengthen as the Metro precinct matures.</p>

<p data-end="2600" data-start="2399">"The structural demand for high-quality housing and hotel accommodation in North Sydney is compelling, and will only grow as the precinct continues to evolve around the new Metro station," Romano said.</p>

<p data-end="2805" data-start="2602">Architectus has designed the tower, orientating the apartments to maximise views towards Sydney Harbour while introducing a sculpted façade intended to respond to light, wind and the surrounding skyline.</p>

<p data-end="2942" data-start="2807">Architectus Principal Marko Damic said the design sought to create a tower that contributes to the public realm as much as the skyline.</p>

<p data-end="3078" data-start="2944">"We wanted to design a tower that doesn't just sit in the skyline but actively participates and contributes to city life," Damic said.</p>


First look: Freecity gets green light for mixed-use apartment and hotel tower in North Sydney

<p><a href="https://www.apartments.com.au/developers/abadeen">Abadeen</a> and <a href="https://www.apartments.com.au/developers/perifa">PERIFA</a> have celebrated the topping out of <a href="https://www.apartments.com.au/new-apartments/putney-wharf-harbourfront-precinct-20-waterview-street-putney-nsw-2112">Putney Wharf,</a> marking a significant milestone in the delivery of one of Syd​ney's most anticipated waterfront communities.</p>

<p>Located on Sydney's harbourfront at <a href="https://www.apartments.com.au/developments/putney-nsw-2112">Putney</a>, the project has now reached its highest structural point, with construction progressing strongly towards completion in 2027.<br />
&nbsp;<br />
The milestone was celebrated on-site with project partners Phoenix Property Investors, Mitsubishi Estate Asia, Versatile Construction, <a href="https://www.apartments.com.au/architects/sjb-architects">SJB</a>, consultants and stakeholders, to recognise the collective effort behind the transformation of the historic waterfront site into a vibrant new residential, marina and lifestyle destination.</p>

<p>[smartcode_project:default project_id=13962 project_image_fid=362240]<br />
&nbsp;<br />
<a href="https://www.apartments.com.au/new-apartments/putney-wharf-harbourfront-precinct-20-waterview-street-putney-nsw-2112">Putney Wharf</a> will deliver a mix of waterfront residences and terraces, complemented by a private 36-berth marina, waterfront dining opportunities and a revitalised foreshore designed to reconnect the community with the river's edge.<br />
&nbsp;<br />
Abadeen Executive Chairman and Founder Justin Brown said the project represented a rare opportunity to create the next chapter in Sydn​ey's long history of successful waterfront precincts.<br />
&nbsp;<br />
"Throughout Sydney, some of the city's most sought-after addresses have emerged from carefully considered waterfront precincts such as Woolloom​ooloo Wharf, Walsh Bay and Breakfast Point," Brown said.</p>

<p>[smartcode_project:default project_id=13962 project_image_fid=362566]<br />
&nbsp;<br />
"What makes these places so successful is that they become much more than residential developments," Brown said.</p>

<p>"They bring together homes, hospitality, marina facilities, public spaces and a strong sense of community in locations where future supply is incredibly limited."</p>

<p>Brown has long described absolute waterfront land in Sy​dney as "finite."</p>

<p>"Once these opportunities are developed, they are rarely replicated. That's why Syd​ney's waterfront precincts have consistently demonstrated strong demand and long-term value growth over many decades.<br />
&nbsp;<br />
"<a href="https://www.apartments.com.au/new-apartments/putney-wharf-harbourfront-precinct-20-waterview-street-putney-nsw-2112">Putney Wharf</a> is one of the few remaining opportunities to secure a residence within a masterplanned waterfront community that combines direct water access, marina ownership opportunities and a genuine village lifestyle just moments from the Sy​dney CBD."</p>

<p>[smartcode_project:default project_id=13962 project_image_fid=362564]<br />
&nbsp;<br />
PERIFA Founder and Managing Director Fabrizio Perilli said the project reflected a shared commitment to delivering exceptional places that create long-term value for residents and the broader community.<br />
&nbsp;<br />
"The topping out milestone is a significant achievement for the Versatile Group and a testament to the collaboration between all project partners, consultants and contractors involved," Perilli said.<br />
&nbsp;<br />
"Beyond the residences themselves, <a href="https://www.apartments.com.au/new-apartments/putney-wharf-harbourfront-precinct-20-waterview-street-putney-nsw-2112">Putney Wharf</a> will establish a new waterfront destination that celebrates the history, character and lifestyle of this unique location while creating a lasting legacy for future generations."</p>

<p>[smartcode_project:default project_id=13962 project_image_fid=291195]<br />
&nbsp;<br />
Construction is being delivered by <a href="https://www.apartments.com.au/builders/versatile">Versatile Construction</a>, with structural works now substantially complete across the precinct. Attention will progressively shift to the construction of the waterview terraces, apartment façades, services and interior fit-out works over the coming months.<br />
&nbsp;<br />
With limited residences and marina berths remaining, <a href="https://www.apartments.com.au/new-apartments/putney-wharf-harbourfront-precinct-20-waterview-street-putney-nsw-2112">Putney Wharf</a> continues to attract strong interest from owner occupiers and downsizers seeking a premium waterfront lifestyle within close proximity to Putne​y Village, Rh​odes, Top Ry​de and the Syd​ney CBD.<br />
&nbsp;<br />
As one of the last opportunities to secure a residence within a new masterplanned waterfront community on Sy​dney Harbour, <a href="https://www.apartments.com.au/new-apartments/putney-wharf-harbourfront-precinct-20-waterview-street-putney-nsw-2112">Putney Wharf</a> is expected to remain a highly sought-after address for years to come.</p>

<p>[smartcode_project_cta:default project_id=13962]</p>


Abadeen, PERIFA, top out Putney Wharf harbourfront precinct

<p>Sydney’s property market is known for high prices, competitive bidding, and mounting pressure on first home buyers. But change is on the horizon.</p>

<p>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;</p>

<h2>What is the Help to Buy Scheme?</h2>

<p>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.</p>

<p>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).</p>

<p>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.</p>

<p>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.</p>

<p>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.</p>

<p>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.</p>

<h2>How do you qualify for the&nbsp;Help to Buy Scheme?</h2>

<p>To qualify for the Help to Buy Scheme, applicants must meet the following conditions:</p>

<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>

<p>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.</p>

<p>The scheme is expected to commence in NSW in late 2025, as part of a national rollout.</p>


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

<p>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.</p>

<p>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.</p>

<p>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.</p>

<p>Below, we provide a breakdown of the First Home Owner Grants available across Australia, outlining the specific details for each state and territory.</p>

<h2>New South Wales First Home Owner Grant</h2>

<p><strong data-end="252" data-start="225">First Home Owner Grant:</strong> 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.</p>

<p><strong data-end="413" data-start="389">Stamp Duty Benefits:</strong> Provides full stamp duty exemption for homes valued up to $800,000, with concessions available for properties up to $1 million.</p>

<h2>Victoria South Wales First Home Owner Grant</h2>

<p><strong>First Home Owner Grant:</strong> Provides a $10,000 grant for first-home buyers purchasing or building new homes valued up to $750,000.</p>

<p><strong>Stamp Duty Benefits</strong>: Offers full stamp duty exemption for properties up to $600,000, with concessions available up to $750,000.</p>

<h2>Queensland First Home Owner Grant</h2>

<p><strong data-end="920" data-start="893">First Home Owner Grant:</strong> 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.</p>

<p><strong data-end="1162" data-start="1135">Stamp Duty Concessions:</strong> Provides additional concessions for properties valued up to $800,000.</p>

<h2>Western Australia First Home Owner Grant</h2>

<p>&nbsp;</p>

<p><strong>First Home Owner Grant:</strong> 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.</p>

<p><strong>Stamp Duty Concessions:</strong> Available for homes valued up to $600,000 for transactions entered into on or after 9 May 2024.</p>

<h2>Australian Capital Territory First Home Owner Grant</h2>

<p><strong data-end="1617" data-start="1590">First Home Owner Grant:</strong> Replaced by the Home Buyer Concession Scheme, offering full stamp duty concessions for eligible buyers.</p>

<h2>South Australia First Home Owner Grant</h2>

<p><strong>First Home Owner Grant:</strong> 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.</p>

<p><strong>Stamp Duty Relief:</strong> Available for new homes and vacant land purchases.</p>

<h2>Tasmania First Home Owner Grant</h2>

<p><strong>First Home Owner Grant</strong>: Offers a $10,000 grant for new homes and off the plan purchases.</p>

<p><strong>Stamp Duty Exemption</strong>: 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.</p>

<h2>Northern Territory First Home Owner Grant</h2>

<p><strong>First Home Owner Grant:</strong> The Northern Territory provides a $10,000 grant for new homes only. Additional government grants and concessions are available for first home buyers.</p>

<p><strong>Stamp Duty Exemption</strong>: The only stamp duty exemption available to property buyers is the House and Land Package Exemption (HLPE).</p>

<p><em>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.</em></p>


Every First Home Owner Grant for new property by state

<p>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.</p>

<p>Australia has multiple building rating systems that evaluate energy efficiency and sustainability in existing and new building designs.</p>

<p>Some systems assess individual building components, while others provide an overall rating for the entire structure.</p>

<p>A rating system ensures that homes are comfortable and energy-efficient, whether you are buying, renovating, or building.</p>

<p>NatHERS (Nationwide House Energy Rating Scheme) is a common way for new homes to meet energy efficiency requirements.</p>

<p>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.</p>

<h2>What is NatHERS?</h2>

<p>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;</p>

<p>NatHERS ratings are the most common way new homes meet the National Construction Code's (NCC's) minimum energy efficiency requirements.&nbsp;</p>

<p>NatHERS assessments provide thermal and whole-home ratings for new homes, townhouses, and apartments.</p>

<p>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.</p>

<h2>How NatHERS Ratings Work</h2>

<p>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.</p>

<p>The tools can model complex effects of building mass, insulation, window size, and other elements.</p>

<p>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.</p>

<p>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;</p>

<p>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.</p>

<p>Anyone can use NatHERS tools, but accredited assessors can provide certified ratings and professional advice.</p>

<h2>Benefits of Higher NatHERS Ratings</h2>

<p><strong>Energy Efficiency:</strong> 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.</p>

<p><strong>Cost Savings:</strong> 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.</p>

<p><strong>Environmental Impact:</strong> 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.</p>

<p><strong>Improved Comfort: </strong>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.</p>

<p><strong>Market Value and Desirability:</strong> 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.</p>

<p><strong>Compliance with Building Codes:</strong> 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.</p>


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?

<p>Mixed-use developments have gained significant popularity across Australia in recent years due to their unique blend of residential, commercial, and recreational spaces.</p>

<p>Unlike traditional single-purpose developments, mixed-use projects offer a harmonious integration of various functions within a single locale.</p>

<p>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.</p>

<h3>Convenience and accessibility</h3>

<p>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.</p>

<p>[smartcode_project:default project_id=114215 project_image_fid=204874]</p>

<p>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.</p>

<h3>Vibrant lifestyle and community</h3>

<p>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.</p>

<p>[smartcode_project:default project_id=107714 project_image_fid=214122]</p>

<p>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.</p>

<h3>Potential for higher rental yields and property value appreciation</h3>

<p>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.</p>

<p>[smartcode_project:default project_id=139989 project_image_fid=212887]</p>

<p>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.</p>

<h3>Enhanced security and maintenance</h3>

<p>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.</p>

<p>[smartcode_project:default project_id=108019 project_image_fid=212658]</p>

<p>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.</p>

<h3>Live-work-play balance</h3>

<p>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.</p>

<p>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.</p>


alisonwarters@gmail.com

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

<p style="line-height: 1.38;">When buying a property, everyone needs to be aware of the additional costs that come as part of the buying process.</p>

<p style="line-height: 1.38;">Often the largest outlay, after the deposit which goes to the bank, is stamp duty.</p>

<h2 style="line-height: 1.38;">What is Stamp Duty?</h2>

<p>Stamp duty is an extra tax to pay the government when you buy land, a property, and other certain assets.</p>

<p>It happens when the legal ownership is transferred. It can also be known as property transfer duty or transfer duty.</p>

<p style="line-height: 1.38;"><iframe allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="" frameborder="0" height="415" src="https://www.youtube.com/embed/C32BWkB5--c" title="YouTube video player" width="660"></iframe></p>

<h2>Who pays Stamp Duty?</h2>

<p>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.</p>

<h2>How much does Stamp Duty cost?</h2>

<p>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.</p>

<p>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!</p>

<p>Overall, the stamp duty you need to pay will depend on:</p>

<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>

<p style="line-height:1.38">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.</p>


Ellen Walker

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

<p>For the first time in a long time, Australia's inflation story is starting to look more like a landing than a fight.</p>

<p>The latest Consumer Price Index figures from the Australian Bureau of Statistics showed annual inflation eased to four per cent in May, down from 4.2 per cent in April. On the surface, that might not seem like a major move. Inflation remains above the Reserve Bank's target range and some categories continue to record stubborn price growth.</p>

<p>But the significance of this result lies less in where inflation sits today and more in what it means for where interest rates are likely heading next.</p>

<p>The biggest takeaway is that inflation continues to move in the right direction.</p>

<p>Markets had been bracing for another sticky result after a period where progress appeared to stall. Instead, headline inflation came in softer than expected, helped by falling fuel prices and easing transport costs. Annual transport inflation halved from 6.6 per cent in April to 3.3 per cent in May, while automotive fuel prices fell 11.9 per cent during the month following lower oil prices and the impact of reduced fuel excise measures.</p>

<p>While petrol prices don't solve Australia's affordability challenges, they are one of the most visible and immediate costs for consumers. Falling fuel costs feed through the economy quickly, helping ease pressure on household budgets and business operating expenses.</p>

<p>The ABS data also showed headline inflation is now sitting at its lowest annual level in several months, reinforcing the broader trend that price growth is gradually moderating.</p>

<p>That trend is important because it aligns with what many economists and lenders have been saying for the last month.</p>

<p>Prior to this week's inflation data, ANZ, NAB and Commonwealth Bank had all shifted their forecasts, now believing the Reserve Bank had likely reached the peak of the interest rate cycle. Following the May inflation release, ANZ reaffirmed that view.</p>

<p>In its latest economic update, ANZ said it expects quarterly trimmed mean inflation to come in at 3.7 per cent for the June quarter, slightly below the Reserve Bank's forecast of 3.8 per cent. Importantly, the bank said that outcome, when combined with slowing economic activity, "supports our view that the cash rate has peaked".</p>

<p>The Reserve Bank has spent the better part of three years attempting to bring inflation under control through higher interest rates. If Australia's major banks are correct and rates have now peaked, the conversation shifts from how much higher rates could go to when they might begin coming down.</p>

<p>Westpac's caution comes from underlying inflation. The trimmed mean, the measure most closely watched by the Reserve Bank, increased from 3.4 per cent to 3.6 per cent annually. Housing inflation remains elevated at 6.5 per cent, reflecting ongoing increases in rents, electricity costs and new dwelling construction.</p>

<p>Electricity prices remain particularly problematic, rising 21.1 per cent over the past year following the removal of government rebates.</p>

<p>Housing construction costs are also showing signs of renewed pressure. ANZ noted new dwelling costs rose 0.9 per cent in May and are now running at an annualised pace of 8.6 per cent over the past three months. Builders continue to face higher labour, fuel and material costs, a reminder that inflationary pressures have not completely disappeared.</p>

<p>Housing affordability has deteriorated largely because of higher interest rates rather than higher property prices alone. Even modest reductions in mortgage rates would improve borrowing capacity, increase buyer confidence and reduce repayment pressure on existing homeowners.</p>

<p>While August is far from a certainty, the latest inflation result has strengthened the view that the next move in rates is more likely to be down than up. For borrowers, buyers and the development sector, that alone represents a significant shift from the conversation that dominated much of the past two years.</p>


The inflation result the property market was waiting for

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<p>Global architectural firm Buchan has created a sustainably-designed facility design of Swimming WA’s latest aquatic centre, WestSwim Lakelands.</p>
<p>Buchan was appointed on behalf of PEET Ltd to provide architectural, master-planning and interior design services to the project.</p>
<p>It was completed in May.</p>
<p>WestSwim is a business unit of Swimming WA – a not-for-profit organisation dedicated to growing the sport of swimming in Western Australia.</p>
<p>The 724 square metre facility includes, a pool hall featuring a five-lane, 25 metre graded-depth swimming pool, with specialised in-built teaching ledge, retail space and office facility with an additional 48 square metre outdoor entertainment area.</p>
<p><img src="https://res.cloudinary.com/dz9xllyip/image/fetch/c_scale,w_580,q_auto:good/https://s3-ap-southeast-2.amazonaws.com/po.images/2018/7/5/WA%20Pool%202.jpg" alt=""></p>
<p>WestSwim Lakelands is located on the corner of Mandurah Road and Lake Valley Drive in the new Lakelands Town Centre.</p>
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j.ballantyne1990-6AQqhLzZaK

Architectural firm Buchan designs WA aquatic centre in Lakelands

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<p>Geocon's latest development High Society almost sold out prior to public release, making High Society the best-selling project in Australia this year.</p>
<p>“We have sold 500 units with less than 10 percent of the stock remaining by day one,” Geocon Managing Director Nick Georgalis (pictured below alongside Mark Bouris) said.</p>
<p><img src="https://res.cloudinary.com/dz9xllyip/image/fetch/c_scale,w_580,q_auto:good/https://s3-ap-southeast-2.amazonaws.com/po.images/2018/7/6/Geocon%20dudes.jpg" alt=""></p>
<p>"That’s double the record of 250 that we sold in Grand Central Towers on a single night in February."</p>
<p>High Society’s two 27-storey glass towers at 113 and 100 metres will be Canberra’s tallest buildings and the third release in Geocon’s $1 billion Republic development. </p>
<p>Construction on High Society has commenced with an expected completion date of September 2020 due to a Goldman and Sachs deal Geocon made.</p>
<p>This project will contain 541 apartments, 135-room Abode hotel, 500 public carparks in addition to resident parking, and retail and commercial offerings, set in the one-hectare Republic precinct in Belconnen.</p>
<p>The two glass towers of High Society are the ACT’s biggest construction project since Canberra International Airport.</p>
<p>In conjunction with the <em>High Society</em> launch, Georgalis announced that Geocon had sold more than 1200 apartments this year across all of his projects, more than half of the ACT’s annual sales.</p>
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Geocon secures sales record at High Society development

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<p>Langley Hall, one of Bendigo's most historic residences, has been listed for sale.</p>
<p>It has been operating as a B&amp;B, fetching between $175 and $200 a night for a room.</p>
<p>The Edwardian landmark in White Hills was built in the early 1900s for Henry Langley, the first Anglican Bishop of Bendigo.</p>
<p>The mansion and its collective buildings comprise over 1,200 square metres, including a grand manor and chapel.</p>
<p>There are 15 bedrooms. In World War I the large living and dining areas were used as medical residential accomodation and the hall was a recuperation centre for returned soldiers.</p>
<p>The 9045 square metre grounds have been restored to maintain the vision of architects William Vahland and John Beebe.</p>
<p>Vahland is regarded as being the principal 19th century architect in Bendigo.</p>
<p>Castran Real Estate father and son agents John and Lachlan Castran seek offers by July 25.</p>
<p>Langley Hall last traded for $1.61 million in 2010.</p>
<p>It has been operating as a B&amp;B, fetching between $175 and $200 a night for a room.</p>
<p>Langley Hall, built in 1903 by the Anglican Church, is expected to sell for about $3 million with scope for a commercial redevelopment or residential subdivision.</p>
<p>The <a href="https://www.realestate.com.au/property/484-488-napier-st-white-hills-vic-3550" target="_blank">484-488 Napier Street</a> premises have been listed by Anthony Gurry.</p>
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jonathanchancellor-7SQnKwU6yx

Bendigo B&B Langley Hall listed for sale

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<p>EXPERT OBSERVER</p>
<div>Setting stronger energy standards in the National Construction Code for new buildings would, between now and 2050, reduce energy bills by up to $27 billion, lower energy network costs by up to $7 billion and deliver 78 million tonnes of cumulative emissions savings, according to a new report released today.</div>
<div> </div>
<div>'Built to Perform, an industry led pathway to Zero Carbon Ready building code', created by the Australian Sustainable Built Environment Council (ASBEC) and ClimateWorks Australia, outlines a series of forward pathways for Code energy requirements that cover a range of building types and climates across Australia.</div>
<div> </div>
<div>It presents the final results of the Building Code Energy Performance Trajectory Project aimed at supporting the adoption of medium term targets and trajectories for mandated minimum energy requirements in the Code.</div>
<div> </div>
<div>We, the Green Building Council of Australia (GBCA) welcomed the new report, it highlights the need for Government to unlock the full potential of the Code and target the cost-effective opportunities found in the buildings sector to improve Australia’s energy efficiency and affordability.</div>
<div> </div>
<div>Better buildings, built to perform in a zero carbon future, are one of the easiest and cheapest ways to reduce Australia’s emissions, save money and create comfortable homes and workplaces.</div>
<div> </div>
<div>This report shows that the triple-bottom-line dividend from plotting a zero net carbon path in the Code early is enormous.</div>
<div> </div>
<div>By 2050 Australia will need to be at or near zero net emissions and that means the Code must ensure that buildings under construction today are being built to meet the energy performance required in the future.</div>
<div> </div>
<div>A clear trajectory for the Code would also give industry the certainty to innovate and invest in high performing buildings at lower cost.</div>
<div> </div>
<div>We welcome the report’s recommendation for well designed and implemented targets along with a clear, transparent process for upgrading Code energy requirements.</div>
<div> </div>
<div>The world-leading practices being implemented by a growing number of Australian companies need to extend further across industry.</div>
<div> </div>
<div>The Code is a vital tool for lifting the bar across the board and our communities are the ones who will benefit, from reduced out-of-pocket energy costs and a healthier, lower-emissions built environment. </div>
<div> </div>
<div>However, the Code can only take us part of the way to net zero. Code improvements must go hand in hand with other measures to deliver a zero carbon buildings sector by 2050.</div>
<div> </div>
<div align="justify">Through our <a id="LPlnk805788" href="https://gbca-web.s3.amazonaws.com/media/documents/carbon-positive-roadmap-discussion-paper-fa.pdf" target="_blank"><span id="LPlnk805788">Carbon Positive Roadmap for the built environment project</span></a>, the Green Building Council of Australia is also proposing a pathway for the building industry to decarbonise by raising the benchmark for sustainable design, construction and building operation in Australia.</div>
<p>The Carbon Positive Roadmap presents many complementary measures which, along with a strengthened National Construction Code, will help lead the delivery of a more sustainable built environment and meet our international emissions commitments.</p>
<p><em>Romilly Madew is Chief Executive of Green Building Council of Australia.</em></p>
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RomillyMadew-zVLXsYSc74

New pathway to a zero carbon ready building code': Romilly Madew

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<p>A Melbourne based investor has paid $2.27 million on a 4.4% yield for 440 Hampton Street, Hampton.</p>
<p>The securely leased retail asset comprises a 180 square metre ground floor component of a three storey building, on a 180 square metre site zoned Commercial 1 with 10 metres frontage to Hampton Street and three car spaces on title located in Melbourne’s south-eastern Bayside.</p>
<p>According to selling agents, Teska Carson directors, George Takis and Michael Ludski, four bidders from a strong auction crowd pushed the price to more than $170,000 above the vendor’s reserve.</p>
<p>The property was sold subject to a brand new five year lease to Australia Post at an annual rental of $100,000 with 3.2% annual increases.</p>
<p>Ludski said the area had seen significant growth in recent years with a number of medium density residential and commercial developments transforming the precinct.</p>
<p>"What has been an upsurge in this area’s popularity, with its easy access to Melbourne’s CBD via major arterial routes, and the beach, has driven the development of new, high-profile, residential and commercial projects that have further enhanced a much sought after destination,’’ Ludski added.</p>
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Investor pays $2.27 million for Australia Post-occupied Hampton retail building

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<p>SPONSORED POST</p>
<p>Senior Legal Counsel &amp; Early Childhood educator / Ironfish Customers</p>
<p>“As a lawyer, I’m pretty discerning and can be quite sceptical in my assessment of things.</p>
<p>“Having invested with Ironfish, we’re not only impressed by the level of knowledge, customer service and ethics of everyone we’ve dealt with, we also trust our strategist completely. She’s been to our home countless times, nothing is ever too much trouble.”</p>
<h2><strong>CASE IN PROFILE</strong></h2>
<ul>
<li>Time-poor professionals with young family</li>
<li>Needed to minimise tax liability</li>
<li>3 properties purchased through Ironfish</li>
<li>Diversified across multiple cities and housing types</li>
</ul>
<h2><strong>Avoiding buyer’s remorse</strong></h2>
<p>Robert and Paula had been considering property investment as a tax minimisation strategy for some time – being higher income earners and having built up some equity in their own home. After talking to a few companies, they signed a contract to purchase one off-the-plan property, but immediately started to experience some ‘buyer’s remorse’. At this point, a friend suggested they meet with Ironfish Chief Investment Strategist, Priscilla Cheung. Their friend had invested with Priscilla in the past, and had a lot of trust and respect for both Priscilla and the Ironfish investment platform.</p>
<p>“We hadn’t heard of Ironfish before, but because of the recommendation, we thought we’d meet Priscilla and hear her out. As a result of our meeting, we actually ended up cancelling our other contract and went with Ironfish instead, because we could feel straight away that Priscilla genuinely had our interest at heart.”</p>
<h2><strong>No more bells and whistles</strong></h2>
<p>Their first meeting with Priscilla took place at their home, after hours – a personal touch that was greatly appreciated by Rob and Paula.</p>
<p>“With the other company, there was a feeling that we were being buttered up – going into a flashy office, being taken out for lunch, having coffees brought to us. By contrast, Priscilla came to our home – and with the kids and an extremely difficult and demanding job – we appreciate this flexibility.</p>
<p>“What sold us was that she set it all out plainly – she said if we went with the other company, that we’d still be doing the right thing. She confirmed that everything the other company had told us was sound and there was no reason not to go ahead with our purchase. She wasn’t putting it down, she was just interested in what was good for us. What she did say was that if we did choose to invest with her, that she would be able to provide an extra level of service that we wouldn’t necessarily get elsewhere. And given that we are incredibly time poor, we really valued this.”</p>
<h2><strong>Too hard to do it alone</strong></h2>
<p>Even prior to their introduction to Ironfish, Robert and Paula never considered investing in property on their own; like many senior professionals with a young family, the investment in time required meant it simply wasn’t an option.</p>
<p>“My job as an in-house Senior Legal Counsel is very challenging, and I have no room to make any mistakes. So, after spending all day at work expending my energy on other very complicated matters, by the time I get home, I’m just a mess. Investing on our own seemed too terrifying to even consider. We didn’t know where to begin, or how to break the ice. I’m an excellent lawyer, but when it comes to my own interests, I’m hopeless – because I’m just too busy looking after everyone else! That’s why you need trusted professionals around you to help navigate things you don’t understand, or don’t have time to understand – and that’s what we value so much about Priscilla and Ironfish.”</p>
<h2><strong>A new strategy for property selection</strong></h2>
<p>Initially, Rob and Paula had decided to purchase 2 house and land packages in Queensland, but decided to diversify once they heard about the Ironfish Portfolio Approach strategy.</p>
<p>“We thought the Portfolio Approach made a lot of sense. So, our first purchase with Ironfish was a South East Queensland house and land package – similar to what we’d signed on with the other company, but a better location and property. Priscilla provided all the data and stats – which all lined up, so we were ready to go with that one. Our next purchase was a townhouse in Marsden Park in Sydney. We drove out to Marsden Park a few times, and fell in love with the idea of having a piece of an impressive new suburb. Plus it’s a Stockland development; we were impressed that Ironfish had that relationship with a developer of the calibre of Stockland as well. Our third purchase was a unit in Melbourne village.”</p>
<h2><strong>Going above and beyond</strong></h2>
<p>Rob and Paula have now come to rely on the expertise, reliability and personalised service of Priscilla and the entire Ironfish team on a whole range of matters.</p>
<p>“The customer service we’ve experienced with everyone we’ve dealt with at Ironfish is excellent. Priscilla herself, has a lot of credibility and nothing ever seems to be too much trouble for her. Every time we feel like we’re stretching the relationship, she makes you feel like you’re the only customer she has. Everyone at Ironfish makes you feel like this; I don’t know if they receive special training to do this, but that’s truly been our experience. You never feel like you’re being a bother, nothing is too hard, too difficult or too stressful. For example, I was struggling to sort out all my bank accounts recently, it’s not Priscilla’s job to restructure my bank accounts for me, but she was happy to help!”</p>
<h2><strong>We didn’t have to worry about anything</strong></h2>
<p>The smooth transition from settlement to Ironfish Property Management also stands out for Rob and Paula.</p>
<p>“Communication with us throughout has been great. We really enjoyed getting regular updates and photos of the construction stages. Then we received information about a tenant within just a few days, it seemed. We barely blinked and it was done. Now we have this tenant living happily in this place we bought and we don’t even have to think about it. We basically just get emails from Ironfish that we need to approve. It’s always a collaborative process between us and them, and we all want the same outcome. It’s just so easy. We literally don’t have to worry about a thing.”</p>
<h2><strong>Robert and Paula’s property investment tips:</strong></h2>
<ul>
<li>Book a meeting to help you understand your position; then go away and speak to other people who’ve done it before.</li>
<li>Don’t believe the doom and gloom hype in the SMH; look at the facts, speak to Ironfish, and speak to one of their competitors to get another perspective.</li>
<li>We are taking advantage of negatively gearing our property until such time legislation changes, as well as the depreciation deductions for new properties.</li>
<li>You’ll find some people will understand what you’re doing, others will be against it, and will stick to the usual plan of paying off one house and waiting till retirement to enjoy life. But at the end of the day, we could be giving a lot more money to the tax office, but we’d rather have our money working for us!</li>
</ul>
<p> </p>
</body></html>

jrobinson-rf4aSBido9

Robert and Paula Licuria - Senior Legal Counsel, Early Childhood educator & Ironfish Customers

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<p>SPONSORED POST</p>
<p>In a year that has had its fair share of challenges – as well as opportunities – this end of financial year, I thought I would take the time to share my own property investment strategies and some tips to succeed within the current market and lending environment.</p>
<h2>My FY 2018 property investment strategy</h2>
<p><a href="http://www.ironfish.com.au/blog/2018/03/18/set-property-investment-plan-2018-now/" target="_blank">Last year</a>, I said I was going to leave residential property investment for a while, as I have already achieved my goals. But when I spotted an opportunity, I couldn’t help myself.</p>
<p>This financial year, I’ve invested heavily in Brisbane and South East Queensland (SEQ); I’ve purchased some more properties and also settled a few. This is part of my long-term strategy but also to invest at the right time of the cycle – as in my experience the property market in SEQ is around half a cycle behind Sydney and Melbourne.</p>
<p>SEQ is also a major growth corridor, which is experiencing record levels of interstate<span class="Apple-converted-space"> </span><a href="http://www.ironfish.com.au/blog/2018/01/19/migration-pushing-queensland-property-price-growth/" target="_blank">migration</a>, infrastructure investment – and then there’s the Commonwealth Games which has put the Gold Coast on the world map as well. I saw a great opportunity, so I’ve personally invested there.</p>
<div id="attachment_7779" class="wp-caption alignnone">
<p class="wp-caption-text">In the last few years, Queensland at its peak had about 50 – 60 new residential developments in a single year, and we’re now down to<span class="Apple-converted-space"> </span><a href="http://www.ironfish.com.au/blog/2018/05/04/cranes-fast-disappearing-analysts-predict-future-brisbane-housing-undersupply/" target="_blank">single digits</a>. Now only a handful of truly strong developers are able to bring anything off the ground. So it’s worth keeping this in mind.</p>
</div>
<h2>Get into Perth</h2>
<p>I’m also continuing my investment in<span class="Apple-converted-space"> </span><a href="http://www.ironfish.com.au/blog/2018/03/19/perth-brisbane-adelaide-housing-affordability-best-20-years/" target="_blank">Perth and Adelaide</a>. I feel like the Perth market has bottomed out and it’s a great opportunity now to invest, not just for myself personally, but we’re looking closely for our Ironfish investors as well.</p>
<p>When property values start going up, most people aren’t aware of all the underlying factors that tend to drive prices up. For example, I also invest in shares, and I’ve noticed that my investments in mining stock have actually fared better than before. At the end of last year, there was also an industry report that suggested the mining downturn has come to an end – with higher prices reported across the board.</p>
<blockquote>
<p>Warren Buffett once said, that as an investor it is wise to be “Fearful when others are greedy and greedy when others are fearful.” I tend to stick to this motto. Most people will wait for 3-4 years when the market is really booming to get on board, and that’s already too late to get the biggest gains.</p>
</blockquote>
<p>While it might still be a little bit early for some investors, for long-term investors, one thing is for sure:<span class="Apple-converted-space"> </span><a href="http://www.ironfish.com.au/blog/2018/03/29/now-good-time-buy-property-perth/" target="_blank">you’re not going to miss out</a>. Get into Perth!</p>
<h2>Top investment tips for Sydney</h2>
<p>This year I’ve also bought a little bit in Sydney. Although the market has slowed down, there are still pockets of opportunity in<span class="Apple-converted-space"> </span><a href="http://www.ironfish.com.au/blog/2018/05/30/south-west-sydney-suburb-primed-growth-see/" target="_blank">Sydney’s west,</a><span class="Apple-converted-space"> </span>for example, with the 2<span>nd</span><span class="Apple-converted-space"> </span>airport coming in. But you do need to be careful. Be very strategic and almost fanatical when it comes to investing in Sydney and to some extent, Melbourne.</p>
<div id="attachment_7276" class="wp-caption alignnone">
<img src="https://www.urban.com.au/images/2017/11/15/Sydney-3-cities-map.png" alt=""><br><p class="wp-caption-text"><em>The area around Badgerys Creek airport is planned as a 3rd CBD for Sydney</em></p>
</div>
<h2>The goal I didn’t meet</h2>
<p>I was hoping to acquire a substantial commercial investment property this financial year. I’ve been looking in Sydney and Melbourne, but haven’t been able to find the right property, with returns being relatively low. Since I’m in my mid-50s, I’m moving gradually from capital growth to income as my main strategy, so I’m starting to put my money into these types of investments. But I’ve put my feelers out there and I’m more serious than ever to make this investment, so we will see!</p>
<h2>Looking ahead to 2019:</h2>
<h2>Key market challenges – and how to meet them</h2>
<ol>
<li>
<h4><strong>Market confidence</strong></h4>
</li>
</ol>
<p>One of the key challenges for any investor is confidence. When things are rosy, when all you hear are good stories from friends, from the media, when you’re experiencing capital growth – this is what will encourage many investors to enter the property market, or stay in the market.</p>
<p>With the Sydney market posting negative growth, albeit a small percentage, there’s plenty of negative or gloomy sentiment in the market. But for long-term investors, if you have the money to buy the right property in the right location, if you have the ability to hold that property and service your loan over the long term – then you shouldn’t be deterred. It’s about thinking where you’ll be or where you want to be financially in 15+ years’ time.</p>
<ol start="2">
<li>
<h4><strong>Lending</strong></h4>
</li>
</ol>
<p>With the Royal Commission, and tightened investor lending, (though there has been some loosening up as well, with some interest only loans extended or advanced) banks require more documentation and people need greater qualification to borrow money to invest. Which means people need to make sure they are being prudent when they go to make a purchase. It’s important to speak to multiple financiers and ensure you have enough buffer in your equity, savings or serviceability so that you can settle.</p>
<p>I remember in the last few years of the Sydney boom, people would go with whichever broker, or bank manager who would lend them money. Now you really need people who understand the bigger picture, you probably need a more senior, more experienced professional to<span class="Apple-converted-space"> </span><a href="http://www.ironfish.com.au/blog/2017/08/17/need-good-mortgage-broker-spot-great-one/" target="_blank">strategise within your mortgage and structure</a>.</p>
<p>That said, it’s still easier than way back when I first started as an investor!</p>
<ol start="3">
<li>
<h4><strong>Selecting the right property</strong></h4>
</li>
</ol>
<p>Investors need to be a lot more selective when it comes to<span class="Apple-converted-space"> </span><a href="http://www.ironfish.com.au/project-details/?project=current" target="_blank">choosing a property</a><span class="Apple-converted-space"> </span>within the current market. People need to be more wary of inferior quality developments and stick to properties that have strong owner-occupier appeal. When you’re aiming for capital growth, properties designed for owner occupiers will appeal to a wider spectrum of buyers – so if you decide to sell, you can access the whole market, not just investors.</p>
<h2>4 tips and trends to watch</h2>
<ol>
<li>
<h4><strong>More non-bank lenders</strong></h4>
</li>
</ol>
<p>With major banks tightening up on lending, this has opened an opportunity for more non-bank lenders to come and fill the space and meet the needs of the market. It’s something that happened in the last cycle – that could happen again. It’s a trend we’ve already seen, for example, with FIRB lending, with more and more mortgage funds coming in to fill some of the gap.</p>
<ol start="2">
<li>
<h4><strong>Look for areas that have yet to boom</strong></h4>
</li>
</ol>
<p>It’s important to note that the so-called ‘boom’ has really only happened in Sydney and Melbourne. And while these markets may be slowing, there are others performing very well – such as Hobart. I also believe very strongly in Brisbane, with Perth and Adelaide typically following, based on historical records. At the peak of its last cycle, the Perth median price was getting close to Sydney median price. Gold Coast at peak of last cycle almost equal to Sydney.</p>
<p>And while Melbourne houses have done better than Sydney in recent years, I think Melbourne apartments will catch up, with recent planning changes and reduced supply of new developments.</p>
<ol start="3">
<li>
<h4><strong>Prepare well for<span class="Apple-converted-space"> </span><a href="http://www.ironfish.com.au/blog/2017/08/18/prepare-property-settlement-time/" target="_blank">settlement</a></strong></h4>
</li>
</ol>
<p>For off-the-plan investors who have already purchased, speak to a number of brokers, prepare enough buffers to ensure you can settle. For new investors, when you go into a new building, make sure you are confident with the track record of the developer.</p>
<ol start="4">
<li>
<h4><strong>Gather your team</strong></h4>
</li>
</ol>
<p>Though the economy is strong, we are in a relatively uncertain period in terms of lending. So, now more than ever, people need to have the right team around them. Experienced people from different fields with their best interests at heart and who are positive – who don’t give up easily. </p>
<p>When faced with a challenge, many people look for easy way out. But consider this, if you plan to give up on your property investment, what alternatives are there?  Because fact of the matter is, so many Australians will not have enough saved for retirement. So now is the perfect time to learn more, to become more financially literate so you can be better prepared for your future.</p>
<blockquote>
<p>It’s easy in the ‘post-truth’ era to be swayed by others, or by incredible stories of overnight cryptocurrency billionaires. But the fact is, investment isn’t speculative. For us at Ironfish, it is about common sense: acquiring a portfolio of quality properties in a great location and holding it over the long-term.</p>
</blockquote>
<p>To borrow another piece of wisdom from Mr Buffett: “If you aren’t willing to own a stock for 10 years, don’t even bother holding it for 10 days.”</p>
<p>It’s the same with property; people may make money in the short term through sheer luck, but investing is a long-game, and there will always be challenges. That’s why we’re here to help you every step of the way.</p>
<p>Joseph Chou is the founder and CEO of property investment firm Ironfish.</p>
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Should I invest in property in 2018 or wait a year?

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<p>SPONSORED POST</p>
<p>As the latest Census results show, the strong shift towards apartment living in Australia continues, particularly in the major capital cities. A growing proportion of people are prioritising access to jobs and local amenity over the traditional Aussie dream of the big backyard.</p>
<p><img src="https://res.cloudinary.com/dz9xllyip/image/fetch/c_scale,w_580,q_auto:good/https://s3-ap-southeast-2.amazonaws.com/po.images/2017/dwelling-structure-type.jpg" alt=""></p>
<p class="mceTemp"><em>Medium and higher density housing now makes up 26% of all Australian housing. In Sydney, this figure is even higher (42.1%).  </em>Source: ABS </p>
<p class="mceTemp">At the same time, architects are continuing to push the envelope in apartment design. Over the last 10 years, apartment design has changed dramatically – and decidedly for the better, according to one of Australia’s leading multi-residential architects, Callum Fraser, Director at Elenberg Fraser.</p>
<div id="attachment_6627" class="wp-caption alignleft">
<img src="https://res.cloudinary.com/dz9xllyip/image/fetch/c_scale,w_580,q_auto:good/https://s3-ap-southeast-2.amazonaws.com/po.images/2017/08/callum-fraser.jpg" alt=""><br><p class="wp-caption-text">Callum Fraser, Director, Elenberg Fraser</p>
<p class="wp-caption-text">“Apartment buildings have become better for you than houses. They foster a richer community with a greater sense of belonging. They deliver this through active social groups and extensive facilities. Residents now have a plethora of unique spaces – karaoke rooms, private dining rooms, cellars, lounges, meditation areas etc – that deliver a more engaged and active life. “They now help us live longer and better – they are the future,” said Mr Fraser.</p>
</div>
<p>With demand for apartment living increasing, it is important to understand how to select the right property, with the right features to cater to today’s tenants/owners, and tenants/owners of the future.</p>
<h4><strong>So, how do you spot an apartment of the future?<span class="Apple-converted-space"> </span></strong></h4>
<h4>“New apartment buildings create lighter, brighter and infinitely more liveable spaces that are so much more appealing and alluring than previous “box” type living offered by apartments of previous decades,” said Ironfish Property Director, Grant Ryan.</h4>
<p>“There are 3 major transformative design themes that best summarise why this dramatic shift has resulted in growing demand for liveable buildings with the “cool” factor.”</p>
<p><strong>1. Stunning Glass Facades</strong></p>
<p>Most of the best buildings feature less brick and concrete in favour of more glazing. This design choice greatly enhances the building both externally in terms of aesthetics, and internally in terms of light and liveability. Residents enjoy unobstructed views via a floor-to-ceiling window from inside their apartment and interesting glazed external surface finishes add further light and texture.</p>
<p>Melbourne-based Elenberg Fraser architects were early adopters of bringing glazing manufacturing technology – previously dedicated to commercial buildings – into the residential space. The firm’s expertise in this area is now being utilised to deliver nearly half of all the apartments under construction or nearing completion in Melbourne.</p>
<div id="attachment_6635" class="wp-caption alignnone">
<img src="https://res.cloudinary.com/dz9xllyip/image/fetch/c_scale,w_580,q_auto:good/https://s3-ap-southeast-2.amazonaws.com/po.images/2017/08/Lighthouse.jpg" alt=""><br><p class="wp-caption-text">Light House, designed by Elenberg Fraser architects, is a landmark building in the heart of Melbourne. Its innovative kaleidoscopic glass facade also helps to maximise natural light and ventilation, whilst carefully balancing privacy and views inside the apartment.</p>
<p class="wp-caption-text"><img src="https://res.cloudinary.com/dz9xllyip/image/fetch/c_scale,w_580,q_auto:good/https://s3-ap-southeast-2.amazonaws.com/po.images/2017/St-Julien-glass.jpg" alt=""></p>
</div>
<div id="attachment_6644" class="wp-caption alignnone">
<p>St Julien Residences, developed by ARIA Property Group, feature floor to ceiling glass.</p>
<p><strong>2. Designer Facilities</strong></p>
<p class="wp-caption-text">Gone are the days where there was either no resident amenity or just a pool and a small gym. The trend of increased facilities is here to stay through unwavering demand from residents for more luxurious, social and useful spaces that are an extension of residents’ own apartments.</p>
</div>
<p>Private dining rooms and cinemas for residents to book and use for parties, libraries and reading zones, BBQ areas, garden breakout spaces and resort style pools are now giving fresh reasons for people to live in new apartment buildings.</p>
<div id="attachment_6647" class="wp-caption alignnone">
<img src="https://res.cloudinary.com/dz9xllyip/image/fetch/c_scale,w_580,q_auto:good/https://s3-ap-southeast-2.amazonaws.com/po.images/2017/FV-pool.jpg" alt=""><br><p>The stunning wrap-around roof-top infinity pool at FV, Fortitude Valley</p>
<p class="wp-caption-text"><img src="https://res.cloudinary.com/dz9xllyip/image/fetch/c_scale,w_580,q_auto:good/https://s3-ap-southeast-2.amazonaws.com/po.images/2017/FV-cinema.jpg" alt=""></p>
</div>
<div id="attachment_6648" class="wp-caption alignnone">
<p class="wp-caption-text">Gurner’s lavish FV apartment development or “urban resort” in Brisbane includes over 2,500sqm of communal spaces for residents, including a cinema, 4 pools, yoga studio and private dining areas.</p>
<p class="wp-caption-text">Leading developers and architects are now putting a lot of additional thought into the “arrival experience” of residents into a building. Lobbies are being designed to exude an enhanced sense of luxury, intimacy and community.</p>
</div>
<p>Buildings that feel like a 5-star hotel in terms of style while providing the comforts of a home are particularly in vogue, and will have sustainable long-term appeal to current and future owners.</p>
<div id="attachment_6649" class="wp-caption alignnone">
<img src="https://res.cloudinary.com/dz9xllyip/image/fetch/c_scale,w_580,q_auto:good/https://s3-ap-southeast-2.amazonaws.com/po.images/2017/Melbourne-village-lobby-e1504162325201.jpg" alt=""><br><p class="wp-caption-text">The Melbourne Village apartment building lobby offers the experience of a high-end hotel at home, complete with concierge.</p>
<p class="wp-caption-text"><img src="https://res.cloudinary.com/dz9xllyip/image/fetch/c_scale,w_580,q_auto:good/https://s3-ap-southeast-2.amazonaws.com/po.images/2017/08/oxley-stirling-e1504162265345.jpg" alt=""></p>
</div>
<div id="attachment_6650" class="wp-caption alignnone">
<p class="wp-caption-text">The lobby at Oxley &amp; Stirling, located in South Brisbane, and other shared spaces within the building were designed by Elenberg Fraser architects to echo the glamour of days gone by.</p>
<p class="wp-caption-text">However, according to Mr Ryan, it’s important to note that this trend is not consistent across all buildings, locations and developers, as some have embraced it more than others and quality varies extensively.</p>
</div>
<p>“My observations, having reviewed projects nationally over the past decade, are that these trends were born out of Melbourne’s edgier and more adventurous architectural environment. And in a social media world – and the fact that many local and overseas developers have been expanding into developing across multiple capital cities and states – the trends have naturally expanded and now feature prominently across the major capital city markets,” he said.</p>
<p>In the April 2017 JLL Brisbane Apartment market research report, it states:</p>
<p>“Projects with a point of difference such as superior ground floor retail, finishes or resident amenity continue to outperform the wider market.”</p>
<p>These are key aspects buyers need to take into consideration when making their purchasing decisions.</p>
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What you need to know about new apartment trends

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<p>SPONSORED POST</p>
<p>“My one bedroom investment property created more wealth in 3 years, than I could have saved in 13 years in my career. At this point, I realised I needed to take property investment very seriously. Because just one property purchase had changed the course of my life.”</p>
<p><img src="https://res.cloudinary.com/dz9xllyip/image/fetch/c_scale,w_580,q_auto:good/https://s3-ap-southeast-2.amazonaws.com/po.images/2017/12/Bruce-262x300.jpg" alt=""></p>
<h2><strong>CASE IN PROFILE:</strong></h2>
<ul>
<li>Former graphic designer/account director and Ironfish customer</li>
<li>Career change into property investment</li>
<li>8 investment properties, 5 purchased through Ironfish</li>
<li>Rent-vestor</li>
</ul>
<h2>That one property purchase</h2>
<p>Bruce has been with Ironfish for nearly 3 years and is a senior Strategist as well as being part of the leadership team in the Ironfish Burwood office.</p>
<p>Prior to joining us, Bruce enjoyed a successful 13-year career in the design industry, starting out as a graphic designer and moving on to account management when (as he says quite matter-of-factly) he discovered his talent and love for working with people far outweighed any natural creative genius! At around the same time as making this switch, Bruce and his wife Evelyn, also decided to buy their first investment property: a one-bedroom second-hand apartment in Stanmore, a suburb in Sydney’s inner west. A decision which turned out to be life-changing.</p>
<blockquote>
<p>“The amount of wealth my one-bedroom investment property in Stanmore created for me was about 10 times more than I could have saved in my career for the past 13 years. I knew then that I needed to get involved with property – initially that was by becoming a more active property investor, and eventually, this put me on the path to joining Ironfish as well.”</p>
</blockquote>
<h2>Why I decided to buy property with Ironfish</h2>
<p>After Stanmore, Bruce and Evelyn purchased two off-the-plan apartments in Parramatta through a different company, and after two years, when they had built some equity across all 3 properties, they agreed to meet with Ironfish Burwood Strategists Yusi and Haibin to consider further investment options.</p>
<p>“I’ve bought from our ‘competitors’, I’ve bought from traditional real estate agents, and what I’ve found is that most people are quite transaction focussed, and there is very little contact after you’ve bought your property.</p>
<p>“When Yusi and Haibin came to our place, it was a very different type of service. Initially I was still thinking from a transactional view as well, and wanted to just quickly view properties and move on. But before they would show me any properties, they first asked me questions like: ‘What are you going to do in the next 10 – 15 years?’ ‘What are your dreams?’ ‘What are the things you want to pursue in life?’ And a big one, which we had never considered: ‘How can you ensure you can continue the lifestyle you enjoy now, in the event that one or both of you needs to stop working?’ What I learned from our first meeting was that Ironfish Strategists were different; they were not focused on the transaction, they truly cared about my future and about building wealth for my family.”</p>
<div id="attachment_7493" class="wp-caption alignnone">
<img src="https://res.cloudinary.com/dz9xllyip/image/fetch/c_scale,w_580,q_auto:good/https://s3-ap-southeast-2.amazonaws.com/po.images/2017/12/Bruce-evelyn-1024x768.jpg" alt=""><br><p class="wp-caption-text">Bruce and his wife Evelyn, with their Strategists Yusi and Haibin</p>
</div>
<h2>A cut above</h2>
<p>While Bruce was impressed with the service and ethos of Ironfish Strategists, he and his wife also fell in love with the properties. On their second meeting, they decided to buy two properties: one apartment in Brisbane (The Melbourne Residences) and one in Melbourne (Aurora).</p>
<p>“The quality of the properties and the locations of those properties were a cut above anything else I’d seen out there. For example, we bought a one-bedroom apartment in ‘Aurora’ for $397,000. Aurora is built on top of Melbourne’s central station, and is the only building in Australia with direct lift access down into the train station and shopping centre below. Imagine if a luxurious skyscraper was built on top of the QVB – that was the kind of building we’d managed to buy into. And I always thought that you needed to be a millionaire or have special connections to get into those developments. The fact that Ironfish could offer me a property like that made me think this company has a lot going for it!”</p>
<h2>Paying the price</h2>
<p>Shortly after their purchase, Yusi invited Bruce along to one of Joseph’s half day seminars – which set him on his path to a new career.</p>
<div id="attachment_7480" class="wp-caption alignleft">
<img src="https://res.cloudinary.com/dz9xllyip/image/fetch/c_scale,w_580,q_auto:good/https://s3-ap-southeast-2.amazonaws.com/po.images/2017/12/bruce-dreamboard-low-res-e1512083506577-168x300.jpg" alt=""><br><p class="wp-caption-text">“Travel to all the fabulous places around the world” – A page out of Bruce and Evelyn’s dream-book</p>
</div>
<p>“I was extremely impressed and inspired by Joseph, and I knew immediately that he was someone I wanted to learn from. There was one thing he said that sticks with me to this day. He said: ‘First, you decide what it is you want from life, secondly, ask yourself what price you have to pay to achieve it, and thirdly, pay the price.’ I went home and asked my wife that question: ‘What do you want to achieve in life?’</p>
<p>“We sat down and made ourselves a ‘dream-board’ with pictures of everything we wanted for ourselves and those around us. At the end of the day, I really believe in the law of attraction. I knew that joining Ironfish, talking to successful investors and entrepreneurs like Joseph or [Burwood MD] Linda everyday would help us get to where we wanted to go – and that staying in our current jobs wasn’t going to be adequate. So, my wife and I both made the decision to resign from our jobs and came onboard with Ironfish. It has completely transformed our lives – not just financially, but mentally – how we look at life and perceive things. I can safely say it’s the best decision we’ve ever made!”</p>
<p>After joining the Ironfish team, Bruce has since purchased a further 3 investment properties diversified across multiple cities, and has helped nearly 100 customers invest in the Australian property market. Bruce’s next investment is likely to be a house and land package in South East Queensland.</p>
<h2><strong>Bruce’s property investment tips:</strong></h2>
<ul>
<li>Buying an investment property rather than a home to live in may help accelerate your ability to build wealth – so it’s worth considering if this is more of a priority to you than immediate lifestyle demands.</li>
<li>Build a successful team with the sole purpose of protecting and building your wealth, e.g. a successful property professional, a mortgage broker who knows the ins and outs of financing structures, an accountant who can help you with tax minimisation, lawyer who can identify clauses that might put you at disadvantage in your purchases.</li>
<li>No market is perfect, no market is certain. As an investor, be prudent and diversify and look at where the bigger picture lies. If an area has good scope for population growth, infrastructure spending and employment, and the property is high quality and you can service it comfortably, then I have the confidence to recommend my customers get into any market – whether it’s a peak market like Sydney, or an up and coming market like Perth.</li>
</ul>
<p>Bruce Guan is a senior property investment strategist at Ironfish.</p>
</body></html>

How one property purchase changed the course of someone's life

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<p>SPONSORED POST<a href="http://www.ironfish.com.au/blog/2017/12/14/australias-population-growth-30-years-ahead-schedule/"> </a></p>
<p>In 1998, the Australian Bureau of Statistics (ABS) predicted that Australia’s population would grow to at least 23.5 million people in 2051.</p>
<p>In reality, we reached that milestone back in July 2014 – that was the ‘low-growth’ prediction.</p>
<p>At most, the ABS predicted, that our population would grow to 26.4 million people by 2051.</p>
<p>But in 2017, our population already sits at 24.7 million people, meaning we’ll hit that upper-end forecast as early as 2021 – about 30 years earlier than the ABS predicted.</p>
<p>According to current growth patterns Australia is set to reach a population of about 38 million by 2051, around 12 million more people than even the highest forecast from 1998.</p>
<h2><strong>Population growth drivers</strong></h2>
<p>Social researcher and demographer Mark McCrindle says that this isn’t because the calculations were wrong, but that “migration policy changes, longevity increases and a solid birth rate have defied the trends that were evident 20 years ago.”</p>
<p><img src="https://res.cloudinary.com/dz9xllyip/image/fetch/c_scale,w_580,q_auto:good/https://s3-ap-southeast-2.amazonaws.com/po.images/2017/12/Ironfish_Infographic_AustralianPopStats_A4FINAL_150dpiResolution-724x1024.jpg" alt=""></p>
<p>Back then, they assumed that women would have fewer babies and the fertility rate (the number of babies a woman would have in her lifetime) would continue to drop to a minimum of 1.6 babies and a maximum of 1.75 babies. However, the fertility rate didn’t decrease, it increased, and now sits at 1.81: a figure which is above even the higher forecast from 1998.</p>
<p>In 1998, life expectancy at birth was 76.6 for and 82 for women. The 1998 prediction for 2051 was that life expectancy would hit a high of 82 for men and 86 for women. However, current life expectancy is already nearly 81 for males and 85 for females and will reach this 2051 target decades early.</p>
<p>“However,” McCrindle says, “the biggest growth factor that has blown out previous population modelling has been the rise and rise of Australia’s net overseas migration.</p>
<p>“In 1998 it was thought that it would grow our population annually by around 70,000, or at the most, 90,000 people. In the last 12 months, Australia has added 231,900 through net migration which is more than 2.5 times even the high-forecast of two decades ago.”</p>
<h2><strong>Global leader in growth</strong></h2>
<p>In the decade to 2016, Australia’s population growth rate was 1.69%, outpacing many other developed countries including other English speaking countries, such as the US, Canada and New Zealand. In fact, Sydney  alone is now home to more people than the whole country of New Zealand.</p>
<p>The world’s more developed countries in aggregate grew by an annual average of 0.3%. The world’s population as a whole increased by an average of 1.2% per year.</p>
<p>According to the UN Population Division, the only developed countries that had a faster rate of population growth were Singapore, Luxembourg and Israel.</p>
<p> </p>
<p><img src="https://res.cloudinary.com/dz9xllyip/image/fetch/c_scale,w_580,q_auto:good/https://s3-ap-southeast-2.amazonaws.com/po.images/2017/12/Australia-population-vs-world.jpg" alt=""></p>
<p><em>Source: Tom Wilson, Principal Research Fellow, Charles Darwin University, writing for<span class="Apple-converted-space"> </span><a href="https://theconversation.com/bloom-and-boom-how-babies-and-migrants-have-contributed-to-australias-population-growth-78097" target="_blank">The Conversation</a></em></p>
<h2><strong>The states compared</strong></h2>
<p>Queensland, NSW and Victoria are all outperforming the nation as a whole, with population growth rates of 1.85%, 1.87% and 2.4% respectively.</p>
<p>Back in 1998, Melbourne’s population was expected to reach between 3.6 and 4.5 million by 2051. It’s already surpassed this range, with a current population of 4.8 million people. Sydney was predicted to reach between 4.7 and 6.2 million. It has a current population of 5.1 million and set to reach the higher forecast within the next 10 years. Melbourne is also now tipped to overtake Sydney as the most populous Australian city in the next 20 years.</p>
<p>While overseas migration has been a primary driver of this growth, according to Principal Research Fellow at Charles Darwin University, Tom Wilson, even if migration policy changes take place in future, the population will still grow significantly.</p>
<p>“In particular,” Wilson notes, “relatively large numbers of people are in the peak childbearing ages. This means that even if migration fell immediately to zero the population would still increase. Demographers call this age structure effect “population momentum”.”</p>
<p><strong>How does population growth affect property prices and where to invest in property in 2018?</strong></p>
<p>Essentially, this comes down to a simple question of supply and demand; when the number of people grows faster than the number of new properties on the market in those key growth areas, then the shortfall will place pressure on prices.</p>
<p>“Of course, this is only one piece of the puzzle for property investors,” says Ironfish National Apartments Manager, Will Mitchell. “Our property and research team looks at the overall picture and considers a number of factors such as infrastructure and government spending, transport and employment options to select areas and properties set to outperform the wider market.</p>
<p>“However, the fact that Australia’s population has surpassed all forecasts from 1998 is truly remarkable and should not be taken lightly.</p>
<p>“One of the most common questions I am asked by people looking to buy investment property is whether now is the right time. My response to that is simple: property investment is a long-term investment, and in 10, 20 or 30 years, do you think property will be in more or less demand in Australia?</p>
<p>“Our unprecedented international migration reflects how unique our country is, and the lifestyle that it offers – we have stunning scenery, world-class healthcare, education, retail and dining and we are ranked as one of the<span class="Apple-converted-space"> </span><a href="http://www.businessinsider.com/worlds-safest-countries-global-peace-index-2017-6?IR=T" target="_blank">safest countries</a><span class="Apple-converted-space"> </span>in the world.</p>
<p>“I think it’s an amazing country, and that’s why so many people want to move here,” he said.</p>
<p>According to McCrindle, the lessons to be learned from this rapid growth in<span class="Apple-converted-space"> </span>Australia’s<a href="http://mccrindle.com.au/resources/Australia-Population-Map-Generational-Profile_Infographic_McCrindle.pdf" target="_blank"> </a>population<span class="Apple-converted-space"> </span>is that urban planners and governments alike need to keep a close eye on population forecasts and plan early for growth.</p>
<p>“And when in doubt,” McCrindle adds, “assume the higher growth forecasts not the lower ones. I’m yet to see an Australian population forecast that needs adjusting down.”  </p>
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