ANZ believes the Reserve Bank is in no rush to move again.

Following the release of the May Monetary Policy Board Minutes, ANZ has taken the view that the RBA is now firmly in a holding pattern, with the cumulative impact of previous rate hikes giving the Board scope to assess how the economy evolves from here.

That positioning, in ANZ’s view, makes a June rate hike unlikely.

The bank continues to expect the cash rate to remain unchanged at 4.35 per cent for an extended period, with the RBA adopting what is effectively a wait-and-see approach.

The Minutes point to a Board that sees financial conditions as already restrictive, but without a clear read on just how restrictive they are. That uncertainty has shifted the focus away from immediate policy action and toward monitoring both domestic conditions and global developments, particularly the conflict in the Middle East.

As ANZ interprets it, the Board is deliberately avoiding strong forward guidance.

Instead, it is allowing itself flexibility, acknowledging that monetary policy has limited ability to influence the near-term trajectory of inflation, while also recognising that economic growth is likely to remain below potential for some time.

Despite that pause in momentum, ANZ notes that the Board still carries a tightening bias.

The Minutes reveal that, in weighing up its decision, the Board seriously considered another 25 basis point increase. The key debate centred on the trade-off between inflation and activity, particularly in the context of global uncertainty.

Ultimately, most members leaned toward the inflation side of that equation.

Underlying inflation is still expected to remain above target for an extended period, regardless of how external risks evolve. That has led to a view within the Board that the risks to its inflation objective have increased, and that the current cash rate may not be sufficiently restrictive to fully contain those pressures.

That’s important.

While the decision, for now, is to hold, the underlying tone of the Minutes suggests the door to further tightening has not been closed.

ANZ also points to commentary from Assistant Governor (Economic) Sarah Hunter, who highlighted the risk that inflation could pass through the economy more quickly and broadly than in previous cycles. Both Hunter and a majority of the Board expressed concern that inflation expectations could become less anchored after such a prolonged period above target.

That combination, persistent inflation and the risk of expectations shifting, is what continues to underpin the RBA’s cautious stance.

However, where ANZ diverges from the RBA is on the outlook for activity.

The Board appears relatively comfortable with current spending patterns, effectively downplaying recent declines in business and consumer sentiment. It notes that sentiment has historically been only weakly correlated with actual spending, and that feedback from its liaison program has not yet pointed to a meaningful slowdown in consumption.

ANZ is less convinced.

The bank believes the link between household disposable income, sentiment and spending is more direct than the RBA is currently acknowledging. With inflation continuing to erode real incomes, ANZ expects household spending to soften more materially than the central bank is forecasting.

That divergence matters because it shifts the balance of risk.

If activity weakens more than expected, the trade-off between inflation and growth changes. In ANZ’s view, that would reduce the need for further tightening and reinforce the case for the RBA to remain on hold.

It also suggests that the current policy setting may already be doing more work than the Board fully appreciates.

The broader takeaway from ANZ’s interpretation is that the RBA is walking a narrow path.

On one side sits the risk of inflation remaining elevated for longer than expected. On the other is the growing pressure on households and the potential for a sharper slowdown in activity.

For now, the Board is choosing to wait.

But it is a pause that still carries an underlying tightening bias, rather than a clear pivot toward easing.

In practical terms, that leaves the cash rate anchored at 4.35 per cent for the foreseeable future, with the next move still uncertain.

For borrowers, it reinforces the reality that relief is not imminent.

And for the broader economy, it highlights the delicate balance the RBA is trying to strike, between bringing inflation back to target and avoiding an unnecessarily sharp slowdown in growth.

According to ANZ, it is a balance that is becoming increasingly difficult to maintain.

Joel Robinson

RBA to hold rates for "prolonged period" rather than hikes: ANZ

<a href="https://www.apartments.com.au/developers/venturecrowd-property-projects">VentureCrowd</a> is down to the final Canopy Villa release at Cumulus Grand Villas in Carrara, as construction continues on the 59-residence gated community positioned above 100 hectares of natural savanna on the Gold Coast.

The remaining Canopy Villa forms part of one of four collections within the <a href="https://www.apartments.com.au/architects/bda-architecture">BDA Architecture</a>-designed community and has attracted interest from buyers seeking larger-format homes that combine privacy, security and low-maintenance living. Positioned within a private cul-de-sac and facing a protected black she oak forest, the four-bedroom villa includes a large private outdoor area suited to pet owners and families wanting more flexible space.

<a href="https://www.apartments.com.au/new-townhouses/cumulus-grand-villas-carrara-17-baltimore-court-carrara-qld-4211">Cumulus Grand Villas</a>, located at 17 Baltimore Court, comprises a mix of three and four-bedroom villas across the Skyline, Canopy, Savanna and Broadview collections. Prices currently range from $1.455 million to $1.895 million, with the final Canopy Villa priced from $1.825 million.

[smartcode_project:default project_id=135663 project_image_fid=360477]

The Canopy Collection villas offer four bedrooms, 2.5 bathrooms and approximately 245 sqm of internal space, alongside double garages and landscaped private areas. Expansive glazing, open-plan living spaces and private balconies have been designed to maximise natural light and outlooks toward the surrounding savanna landscape.

Construction is now underway across the fully funded development, which VentureCrowd says has become an increasingly important consideration for buyers assessing off-the-plan opportunities on the Gold Coast. The project is being delivered by <a href="https://www.apartments.com.au/builders/devcon">Devcon Property Group</a>, which has operated in South East Queensland since 1993 and delivered more than 1,000 homes across the region.

VentureCrowd Director of Property David Whitting previously said the project responds to changing buyer priorities in the prestige Gold Coast market.

“Flexible floorplans have proven particularly relevant for purchasers aged between 40 and 65, including next home buyers, downsizers and investors,” Whitting said.

[smartcode_project:default project_id=135663 project_image_fid=360505]

The buyer profile at Cumulus has reflected that shift toward owner-occupier-driven demand. Stuart Towns and Tracey Loynes recently purchased a Canopy Villa, drawn to both the lifestyle offering and the flexibility the home provided for their next stage of living together.

The couple, who met three years ago, sold their Robina home earlier this year after identifying what they saw as strong long-term investment potential at Cumulus while remaining within the same Gold Coast market. The villa’s private backyard was a major drawcard for their dog Luna, while proximity to golf courses including Emerald Lakes also aligned with their lifestyle interests.

Beyond the residences themselves, the community has been planned around shared lifestyle and recreation amenities. The Infinity Terrace will include a 20-metre heated pool, barbecue facilities, alfresco dining spaces and elevated retreat areas overlooking the surrounding landscape. Walking trails, a private nature reserve, orchard and herb garden are also integrated into the masterplan.

[smartcode_project:default project_id=135663 project_image_fid=360473]

BDA Architecture Director Darren Greenaway said the design approach was heavily influenced by the site’s outlook and secluded setting.

The practice sought to create what Greenaway described as a “little piece of paradise,” drawing inspiration from the elevated views, surrounding greenery and quiet location.

<a href="https://www.apartments.com.au/developments/carrara-qld-4211">Carrara</a> continues to attract buyers seeking larger homes within proximity to the coast but without direct beachfront pricing. Cumulus sits within easy reach of Broadbeach, Pacific Fair, Robina Town Centre and the M1, providing connections north to Brisbane and south toward the Gold Coast Airport and northern New South Wales.

The first stage of Cumulus Grand Villas is targeting completion in 2026.

[smartcode_project_cta:default project_id=135663]

VentureCrowd nears sell-out of Canopy Collection at Cumulus Grand Villas in Carrara

Waverley Council has made a call that many councils have been reluctant to make publicly. Growth is coming, regardless of who controls it.

The release of the Bondi Junction Vision and Master Plan is less about whether the Eastern Suburbs’ primary centre will change, and more about how that change is shaped, funded, and ultimately experienced on the ground. Waverley Council has released a 100-page plan which is effectively the first comprehensive blueprint for Bondi Junction in over two decades, and in doing so, signals a clear shift in how councils are positioning themselves in the current planning environment.

For the past 18 months, the conversation across New South Wales has been dominated by the State Government’s Low and Mid-Rise Housing reforms and the emergence of the Housing Delivery Authority pathway. Both have created faster, more centralised avenues for development approvals, particularly in well-located, infrastructure-rich areas like Bondi Junction.

Waverley Council’s response has been to move early, and decisively.

Rather than react to individual proposals as they come through the HDA or broader State-led reforms, Council has sought to establish a clear, place-based framework that sets the terms for how Bondi Junction evolves. The underlying position is relatively straightforward: if densification is inevitable, it should be tied to infrastructure, public domain improvements, and a cohesive vision for the centre, not delivered piecemeal through ad hoc applications.

<img alt="bondi junction" data-entity-type="file" data-entity-uuid="7f1f729c-ed99-4c6c-bf87-ffbce6991941" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/Screenshot%202026-05-19%20at%209.58.16%E2%80%AFAM.png?VersionId=ULX4OlXKjeJ5BvNCNGL86evgXCjCfMih" />

At its core, the document is attempting to reposition Bondi Junction from what it largely functions as today, a transport interchange anchored by a major retail centre, into something far more layered. The ambition is to transform it into what the plan describes as the “civic and cultural heart of Sydney’s East,” a place that is active beyond commuting hours and capable of supporting a broader mix of uses, experiences and communities.

That repositioning is built around four key ambitions.

The first is to create a true destination. Bondi Junction already attracts significant foot traffic, with more than 86,000 daily transport users and millions of annual retail visits, but much of that activity is transient. People pass through, rather than stay.

The Master Plan seeks to change that dynamic. It leans heavily into the idea of an “18-hour economy,” extending activity well beyond traditional retail hours through dining, cultural programming, events, and a more active night-time offering. This is not just about adding more hospitality venues, but about fundamentally shifting how the centre operates, from a daytime shopping destination to a place that functions across the full span of the day and into the evening.

Oxford Street Mall sits at the centre of that shift.

Long seen as underperforming relative to its potential, the Mall is identified as one of the key catalyst projects in the plan. It is to be reimagined as a day-to-night spine, combining retail, dining, wellness and cultural uses in a way that creates a continuous flow of activity. Outdoor dining, rooftop venues, laneway activation and a curated events program are all part of the strategy, alongside significant public domain upgrades that aim to improve comfort, safety and usability.

&nbsp;

The second ambition is to transform Bondi Junction into a world-class interchange.

Despite being one of the most heavily used transport nodes in Sydney, the current experience is fragmented. Connections between the station, Westfield, Oxford Street Mall and surrounding streets are often unclear, and major roads create physical barriers that disrupt pedestrian movement.

The Master Plan proposes a more seamless, people-focused network. That includes clearer pedestrian links, improved wayfinding, better integration between transport modes, and a rethinking of how arrival into the centre is experienced. The aim is to shift the perception of Bondi Junction from a place people move through, to a place they arrive in.

The third ambition focuses on greening and open space.

One of the more consistent pieces of community feedback throughout the Vision phase was the need for more greenery, better public spaces, and a more comfortable urban environment. Despite being surrounded by major parks, Bondi Junction itself has relatively limited accessible open space, with much of the public realm dominated by hard surfaces and traffic infrastructure.

The plan responds with a network of new and upgraded public spaces, increased tree canopy, and what it terms the “Parkline,” a green link connecting Waverley Park through to Centennial Park. This is not just about aesthetics. It is about addressing heat, improving liveability, and ensuring that increased density is matched by access to high-quality outdoor space.

The fourth ambition is perhaps the most important from a development perspective: growth that gives back.

Bondi Junction is already the primary location for new housing supply in the Waverley LGA, and that is expected to continue. The area carries a target of 2,400 new dwellings by 2029, with further growth projected beyond that as demand for well-located housing continues to rise. The Master Plan does not seek to limit that growth. Instead, it attempts to shape it.

New housing is to be concentrated around transport, with stepped building heights designed to protect the character of surrounding neighbourhoods. At the same time, the plan introduces a more explicit link between development uplift and public benefit. This is where value capture becomes central.

The document outlines a framework where increased development potential is tied to contributions that fund public domain improvements, community infrastructure, open space, and affordable housing. It is an approach that recognises that much of the transformation of Bondi Junction will be delivered by the private sector, but seeks to ensure that the benefits of that growth are shared more broadly. The Civic Precinct is a key part of that equation.

Leveraging Council-owned land, the plan proposes a consolidated civic and cultural hub centred around Ebley Street. This would include new community facilities, cultural spaces, and potentially a new Council Chambers, creating a focal point for civic life that currently does not exist in Bondi Junction at scale.

It is one of several catalyst projects identified in the Master Plan, alongside the Oxford Street Mall transformation. These projects are intended to anchor change, acting as early interventions that unlock broader investment across the precinct.

Importantly, the Master Plan is not just a design document. It includes a delivery framework that sets out how these ambitions are intended to be realised.

Council is explicit in acknowledging that it cannot deliver the transformation alone. Implementation will require coordination between State agencies, private developers, landowners and the community, with a mix of planning agreements, infrastructure contributions and direct delivery mechanisms used to fund and stage improvements over time.

The plan outlines a mix of short-term, medium-term and long-term actions, from immediate public domain upgrades and planning controls, through to larger-scale projects that will unfold over the next decade or more. In practical terms, the next 12 to 24 months will be the most important.

This is when the Master Plan will move through exhibition, refinement and eventual adoption. It is also the period in which Council will seek to embed the framework into its planning controls, giving it weight in the assessment of future development applications.

Council officers have indicated that once the Master Plan is in place, it could be used as a benchmark when assessing Housing Delivery Authority proposals, and potentially reduce the need for further HDA declarations within Bondi Junction. In effect, it is an attempt to bring planning control back to the local level, while still aligning with State housing targets.

That tension between State-led reform and local planning control is not unique to Waverley. It is playing out across Sydney.

&nbsp;

&nbsp;

&nbsp;

If delivered as intended, Bondi Junction will become denser, more active, and more complex. It will support more residents, more workers, and a wider range of uses, extending beyond its current retail core into a more layered urban environment.

“The civic and cultural heart of Sydney’s East”: Bondi Junction masterplan revealed

Toorak's dress circle St Georges Road, home to some of the city's priciest homes, is set for a rare new apartment development.

Blood Diamond Group, an entity tied to Tina Brandi, wife of David Brandi who has been a prolific bidder on The Block over the years, has filed plans for an ultra-exclusive development across an amalgamated 3,662 sqm site at <a href="https://www.apartments.com.au/new-apartments/104-106-st-georges-road-toorak-vic-3142">104 and 106 St Georges Road</a>.

The proposal would replace two existing homes on the riverfront site with a five-level apartment building cascading down the steeply sloping land toward the Yarra River. Designed by Charles Wright Architects, the development has been carefully shaped around the site’s topography and river environs, with the upper levels stepping back to reduce visual bulk from both St Georges Road and the Yarra corridor.

Planning documents describe the proposal as “a site layout and building typology that is consistent with the emerging character of the area and which provides exceptional amenity for future residents without compromising that of neighbouring properties.”&nbsp;

<img alt="First look: Blood Diamond Group unveils riverfront apartment plans for Toorak Pavilion" data-entity-type="file" data-entity-uuid="ea19a17e-7528-4fa8-b727-05f2f7c025e5" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/Toorak%20pavilion%20a_0.png?VersionId=rZ2IjdoUL_UrRl1sZ4wZHnQXbYUaEmUQ" />

The scheme comprises 12 apartments, including 10 three-bedroom residences, one one-bedroom apartment, and a substantial split-level five-bedroom penthouse. A 624 sqm communal rooftop terrace will crown the building, while three undercroft levels embedded into the hillside will accommodate apartments and basement parking.

The design leverages the site’s dramatic northern outlook across the Yarra River, with living areas and balconies oriented toward the water. A central atrium running the full height of the building is intended to draw natural light deep into the residences and improve internal amenity.

Landscape architecture by <a href="https://www.apartments.com.au/landscape-architect/jack-merlo">Jack Merlo Design &amp; Landscape</a> will play a major role in softening the built form, particularly along the river edge where significant setbacks have been introduced. The proposal includes a minimum 30-metre setback from the Yarra River boundary, preserving a substantial landscaped buffer between the development and the waterway.

While a mature English Oak near the front of the site is proposed for removal, the plans retain a large English Elm closer to the riverfront, alongside other established vegetation in the lower section of the property.

<img alt="First look: Blood Diamond Group unveils riverfront apartment plans for Toorak Pavilion" data-entity-type="file" data-entity-uuid="ed3bf19b-5bc7-482f-bde7-41f709a13c3a" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/Toorak%20pavilion%20b.png?VersionId=SG_kBGu4rOaSPY8FtVcmPJfSCrstuOfg" />

Architecturally, the building adopts strong horizontal forms with expansive glazing and curved balcony edges facing the river. Planning documents note the upper levels “adopt a receding form” to ensure the building responds appropriately to the Yarra River environs overlay controls.&nbsp;

The surrounding streetscape is characterised by large contemporary homes embedded into the hillside, many presenting as modest one or two-storey forms to the street before expanding toward the river frontage below. The planning report notes this established pattern heavily influenced the massing strategy for Toorak Pavilion.&nbsp;

Until the recent sale of the landmark Clendon Road mansion Coonac for around $130 million, St Georges Road held the state's most expensive home, the $80,000,088 derelict "Ghost House" mansion that was bought by crypto king Ed Craven.&nbsp;

Blair House, also on St Georges Road, sold for $74.5 million in 2022.

First look: Toorak Pavilions slated for dress circle St Georges Road

Six months after a development site on Kangaroo Point’s Shafston Avenue sold for $6.55 million, plans have been lodged for a 23-storey apartment tower.

A company named JMT Mega Capital, understood to be interstate investors when the 1,222 sqm double block traded late last year through Patona Property, is proposing an 84-apartment development in place of the existing low-rise buildings.

The slender tower at <a href="https://www.apartments.com.au/new-apartments/212-220-shafston-avenue-east-brisbane-qld-4169">212–220 Shafston Avenue</a>, overlooking the Brisbane River, has been designed by <a href="https://www.apartments.com.au/architects/aplus-design-group">Aplus Design Group</a>. It will comprise a mix of one-, two- and three-bedroom apartments above six basement levels, topped by rooftop resident amenities.

<img alt="First look: 23-storey Kangaroo Point tower planned for Shafston Avenue riverfront precinct" data-entity-type="file" data-entity-uuid="7e17ba9e-553e-42ef-92b6-22081671521a" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/podium_3.png?VersionId=hlVUf99vrOjUs.vhQs0qV0DhOncUy9T8" />

The development has been designed as a vertically articulated tower with recessed balconies, curved façades and planted edges intended to soften its scale within the evolving Shafston Avenue skyline. In the submitted Urban Design Report, Aplus Design Group said the tower had been “shaped with a slender vertical expression, articulated façades, recessed balcony zones, integrated planting and a clearly defined podium relationship, helping to reduce perceived bulk and create a more elegant contribution to the Shafston Avenue streetscape and broader Kangaroo Point skyline.”

The scheme comprises 84 apartments, including 25 one-bedroom units, 34 two-bedroom apartments and 25 three-bedroom residences. A total of 104 car spaces are proposed across six basement levels, including resident, visitor and accessible parking.

Residents will have access to rooftop communal open space and shared amenities, while the development also incorporates deep planting zones and subtropical landscaping throughout the podium and tower levels. The project includes 35 per cent communal space coverage across the site and a 17.5 per cent deep soil zone allocation to support urban greening outcomes.

The application exceeds the mapped building height under the Kangaroo Point Peninsula Neighbourhood Plan and is being assessed under Brisbane City Council’s impact assessment pathway. The design team argues the additional height is supported by the site’s strategic inner-city location, existing high-density zoning, and proximity to transport and employment hubs.

“The design has been developed to make better use of a well-serviced urban site within an established high-density residential setting, while improving the street presentation and overall quality of the public realm interface,” the report states.

<img alt="First look: 23-storey Kangaroo Point tower planned for Shafston Avenue riverfront precinct" data-entity-type="file" data-entity-uuid="1ab44b1e-ff45-4bf3-8da8-8aa0cd79db33" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/site_10.png?VersionId=tSxeGekZOqj1e9g3PEn_yFoC3taKDp3U" />

The proposal adds to a growing pipeline of apartment developments reshaping Kangaroo Point ahead of the 2032 Brisbane Olympic Games, with demand continuing to strengthen for new housing supply in well-connected inner-city precincts.

Mosaic has nearly sold out its under-construction <a href="https://www.apartments.com.au/new-apartments/the-bedford-by-mosaic-16-30-prospect-street-kangaroo-point-qld-4169">The Bedford by Mosaic</a>&nbsp;and <a href="https://www.apartments.com.au/new-apartments/the-carter-by-mosaic-77-linton-street-kangaroo-point-qld-4169">The Carter</a>,&nbsp;while Pikos recently completed <a href="https://www.apartments.com.au/buildings/skye-residences-by-pikos-kangaroo-point-8-river-terrace-kangaroo-point-qld-4169">Skye Residences</a> nearby. Pikos is also delivering <a href="https://www.apartments.com.au/new-apartments/gaia-kangaroo-point-108-lambert-street-kangaroo-point-qld-4169">Gaia</a>, over 230 three- and four-bedroom apartments on Lambert Street.

First look: 23-storey Kangaroo Point apartment tower planned for Shafston Avenue riverfront precinct

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

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

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

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

Every First Home Owner Grant for new property by state

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

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

Staff Writer

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

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

alisonwarters@gmail.com

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

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

Ellen Walker

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

The booming Gold Coast market is seeing apartment developers, flush with a flurry of quick sales, fast-tracking the&nbsp;proposed construction date of their new developments.

Cabana at Palm Beach, the luxury six&nbsp;level absolute beachfront block at 1 Nineteenth Avenue from Ignite Projects, is now expected to commence construction as early as June, having seen 23 of its 34 apartments sell within two weeks of its launch.

They sold for a combined $52 million, an average price of $2.26 million.

The Plus Architect-designed apartment building is now slated for completion in late 2022, rather than early 2023.

[smartcode_project:default project_id=84861]

Now Gold Coast developer Azzura are looking to fast-track construction of the first stage in their $2.3 billion Imperial Square development in Southport.

Part of the project will be a 108-level tower, set to be one of Australia&#39;s tallest buildings.

Azzura have seen over $22.5 million in sales since launching the Regal Residences which comprises 145 apartments and 200 hotel suites in an 18-level tower. 53 of the apartments have sold, with a further 15 reserved by potential buyers.

<a href="/new-apartments/regal-residences-imperial-square-59-73-meron-street-southport"><img alt="" height="1200" src="https://s3-ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/pictures/article-images/regal_residences.jpg" width="1200" /></a>

Construction will now start in the coming months, with Azzura reserving a further 15 apartments for exclusive potential buyers.

Azzura&rsquo;s sales director Jason Paris says if apartment sales continue at the current pace, all remining apartments could be sold within the next six to eight weeks.

&ldquo;We&rsquo;ve experienced a solid pace of inquiries for apartments in this debut offering at Imperial Square since January,&rdquo; said Mr Paris.

&ldquo;Local buyers have included a mix of first-home buyers and downsizers, all looking for the lifestyle this central location has to offer.&rdquo;

Interstate buyers account for about half of the sales which have been struck at an average price of $425,000 as buyers take advantage of the project&rsquo;s incredible value.

&ldquo;Many of these buyers have sought a solid investment that will deliver a positive cash flow, which is supported by a shortage of quality properties in central locations on the Gold Coast,&rdquo; said Mr Paris.

&ldquo;Some of the buyers plan to spend the winter months in their Regal Residences apartment and rent it for the rest of the year. Others plan to rent it for two or three years before eventually retiring on the Gold Coast.&rdquo;

Regal Residences presents buyers with a choice of one-, two- and three-bedroom apartments.

Residents will also receive an&nbsp;Imperial Cub membership, including a complimentary stay for a week over five years for a friend or relative in the Regal Residences hotel. Membership includes valet parking and discounted prices at bars and restaurants in the development.

&nbsp;

The booming Gold Coast market is seeing apartment developers, flush with a flurry of quick sales, fast-tracking the proposed construction date of their new developments.



Which Gold Coast apartment developments are being fast-tracked due to strong sales?

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The enviable and quintessential Bayside lifestyle is yours for the taking in these three luxury family residences.

Stretching around Port Phillip Bay, Melbourne’s Bayside area offers all the elements that make an attractive suburb – beautiful beaches and excellent schools.

Set on Melbourne’s best coastline, the Bayside boasts a strong sense of community and merges leisure, waterfront views and an outdoor lifestyle with the convenience of city living.

Urban takes a look at three luxury family homes to secure within these premium Melbourne suburbs. 
 

1. Sandy Hill Penthouse, Sandringham 
Address: 222 Bay Road, Sandringham VIC 3191 
Three-bedroom apartments from $1,950,000

[smartcode_project:default project_id=324]

Perched atop the ninth floor of the Master Builders Association award-winning Sandy Hill complex, Blueprint Projects’ three penthouse apartments feature three bedrooms and two bathrooms.

Designed by Watson Young Architects, the contemporary penthouses feature a fireplace, cocktail bar, European oak parquetry flooring, executive-quality study with integrated desk and triple-glazed window suites.

The kitchen fits bespoke handles, marble benchtops and Gaggenau and Miele appliances, making the home the ideal setting for entertaining family and friends. A wrap-around terrace boasts views out to the bay, city and Dandenong Ranges.  

Blueprint Projects director Tony Quinert said residents can enjoy a wealth of fantastic Bayside attractions.

“Pop down to one of Melbourne’s best beaches at Half Moon Bay, (just 2km away) or take a stroll through your local Sandy Village retail precinct, Balcombe Rd, Black Rock or the vibrant seaside shopping strip of Hampton St.” 
 

2. Avenue, Brighton East 
Address: 14 Gleniffer Avenue, Brighton East VIC 3187 
Three-bedroom townhomes from $2,290,000

[smartcode_project:default project_id=29935]

Delivered by Skelton and designed by innovative architecture practice ADDARC, Avenue townhomes seamlessly engage and connect to the landscaping beyond. Japanese-influenced charred timber and production-grade zinc come together to form the home’s striking pitched roofs.

The perfectly crafted three-bedroom townhomes feature expansive, light-filled living and dining, exceptionally appointed kitchens, private garage for two or three cars and lush private gardens designed by renowned Jack Merlo.

Each master bedroom boasts 4.4-metre-high cathedral ceilings, as well as an abundance of light through the floor-to-ceiling windows. 
 

3. Vista Apartments, Highett 
Address: 9 Remington Drive, Highett VIC 3190 
Two-bedroom apartments from $699,500

[smartcode_project:default project_id=3303]

Hallmarc’s latest offering in the bayside suburb of Highett is the 154-apartment project, Vista Apartments. As the second stage of Hallmarc’s Kingston Park masterplanned community, Vista combines the need to express your individuality with the connectivity to essential amenities and like-minded people.

Designed to accommodate a modern lifestyle, residences within the development feature open-plan living areas, rustic timber flooring and a large breakfast bar for social dining and entertaining.

Residents at the Highett residence will have access to a state-of-the-art heated swimming pool and fully-equipped gym and inspiring views that overlook the expansive parklands of Sir William Fry Reserve.

Exclusive, outdoor communal spaces allow residents to mingle with neighbours, and offer informal outdoor seating, manicured gardens and courtyards.
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Stretching around Port Phillip Bay, Melbourne’s Bayside area offers all the elements that make an attractive suburb – beautiful beaches and excellent schools

max.kwok_55688

Three luxury family homes to secure in Melbourne’s Bayside 

Buoyed by strong sales, developer Azzura Investments is looking to accelerate construction on the $2.3 billion Southport development, Imperial Square.

Regal Residences, the first stage of the development, has achieved $22.5 million in sales across 53 apartments since its launch mid-last year.

According to the developers, sales picked up after buyers flocked to the Gold Coast during the busy holiday period, with a further 15 apartments reserved by potential buyers.

As a result, the Gold Coast developer is hoping to fast-track its construction.

[smartcode_project:default project_id=22476]

Situated at 59-73 Meron Street, Imperial Square&rsquo;s first stage will rise 18 levels and offer 145 apartments and 200 hotel suites.

&ldquo;We&rsquo;ve experienced a solid pace of inquiries for apartments in this debut offering at Imperial Square since January,&rdquo; said Azzura&rsquo;s sales director Jason Paris.

&ldquo;Local buyers have included a mix of first-home buyers and downsizers, all looking for the lifestyle this central location has to offer&rdquo;, he said.

Upon completion, the master-planned Imperial Square will offer a range of commercial and business spaces, rooftop bars and luxury amenities.

One-bedroom apartments in the complex start from just $349,000, and residents will enjoy valet parking and discounted prices at bars and restaurants in the development.

Azzura is also offering residents a complimentary stay for a week over five years for a friend or relative in the Regal Residences hotel. 
&nbsp;

<h2>Other amenity-rich developments on the Gold Coast</h2>

1. Chevron One, Surfers Paradise 
Address: 36-44 Stanhill Drive, Surfers Paradise QLD 4217 
One-bedroom apartments from $480,000

[smartcode_project:default project_id=6515]

Situated in Surfers Paradise, Bensons Property Group&rsquo;s Chevron One boasts intuitive design and quality finishes. Cooking for the family has been made easy in kitchens designed by the renowned chef, Shannon Bennett.

Designed by Marchese Partners, the development includes a Club One residents&rsquo; lounge, floating cinema, sculptured gardens and dining facilities. 
&nbsp;

2. Cabana, Palm Beach 
Address: 1 Nineteenth Avenue, Palm Beach QLD 4221 
Three-bedroom apartments from $2,325,000

[smartcode_project:default project_id=84861]

Delivered by Ignite Projects and designed by Plus Architecture, Cabana offers a collection of 34 apartments, fringed with coconut palms and offering views over Palm Beach and the Gold Coast hinterland.

Cabana boasts an exclusive residential living experience, including a residents&rsquo; retreat, ocean-facing infinity pool, cabana-style daybeds and an open-air recreation and entertainment space.

Buoyed by strong sales, developer Azzura Investments is looking to accelerate construction on the $2.3 billion Southport development

Construction to accelerate at Gold Coast residential development, Regal Residences

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Infinity Broadbeach comprises 63 beautifully appointed 3 and 4 bedroom residences, spanning over 39 storeys;

Half floor, 224m2 residences featuring north-facing balconies and superb views of the ocean an hinterland;

Whole floor, 451m2 residences boast uninterrupted 360 degree views with wrap around balconies; Premium finishes including imported marble and natural stone plus fully integrated appliances;

Resident facilities include a 20 metre north facing lap pool, generous indoor and outdoor entertaining areas, and a state of the art gymnasium.

Living minutes from Broadbeach’s world class parks, walking and cycle paths, and stunning beaches means nature’s playground is at your fingertips. Chase your dreams or simply relax your body and mind.

Here you’ll find streets rich in opportunity, exciting in atmosphere, boundless energy for work and play.

Everything that gives a richness to life is here: a broad sweep of beach along with restaurants, business and retail centres, the stimulation of fabulous Pacific Fair shopping and the world class entertainment of the Star Casino.
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urban.com.au

Explore whole floor luxurious residences at Infinity in Broadbeach

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Each townhouse is designed holistically; planned not from a checklist of fittings and finishes, but by considering first its position and orientation, envisaging how you will live in it and how it connects within and beyond its boundaries, and then equipping it for the needs and nuances of a contemporary lifestyle. Sleek design, latest fixtures and fittings, and a practical floor plan to accommodate all requirements.

<ul>
<li>Contemporary townhouses.</li>
	<li>Spacious and light filled interiors.</li>
	<li>Laid back location surrounded by parklands.</li>
</ul>
This excellence continues further in the bathroom with finishes including stone benchtop and beautiful floor to ceiling imported porcelain tiles and quality fixtures and fittings.

<figure><img alt="" class="image-article-full-width-580px" src="/s3/files/styles/article_full_width_580px/public/pictures/article-images/westmeadows-townhouses-15-wills-street-westmeadows-e3aba67718888db401d0eacd2f906afd.jpg?itok=PaSQGYdC" style="width: 580px; height: 435px;"></figure>Westmeadows is a laidback area studded with parks and schools, perfect for families. Matthews Avenue is the main thoroughfare, a cute, busy shopping strip packed with produce stores and cosy cafes. Westmeadows' attributes certainly speak to those who don't need a high-octane lifestyle, preferring to concentrate on family and a calmer way of life. You'll find the majority of people living here are families with growing kids, as well as middle-aged and older couples. 

<figure><img alt="" class="image-article-full-width-580px" src="/s3/files/styles/article_full_width_580px/public/pictures/article-images/westmeadows-townhouses-15-wills-street-westmeadows-2d0193cb85c24edffaff83a7b1ae295c.jpg?itok=h9xWVQrf" style="width: 580px; height: 435px;"></figure>Leafy parks are abounding in Westmeadows. You could take a walk besides Moonee Ponds Creek, and then play football at Westmeadows football club. These outdoor activities will release your inner sportsman and lead to a healthy happy lifestyle.
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Perfect for families, Westmeadows Townhouses is the best place to start a new life.

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Allium, brings a unique offering of 487 grand residences in four designer towers soaring to 20 storeys and with views from every angle of the city, championship golf courses, surrounding parklands and the east coast. 
The contemporary design at Allium has been skillfully created by SJB, a leading firm with 39 years’ experience in architecture, urban design, planning and interior design.

<figure><a href="/buildings/allium-128-bunnerong-road-pagewood"><img alt="" class="image-article_full_width_580px" src="/s3/files/styles/article_full_width_580px/public/pictures/article-images/allium-128-bunnerong-road-pagewood-d829048d1bd14ddf39e1b4fec8fa4524.jpg?itok=TOFC-HtO" style="width: 580px; height: 387px;"></a></figure>Residents will step straight into luxury as they walk through extravagant lobbies and ascend to their exceptionally large one, two, three and four bedroom grand residences – apartments of house like proportions with large balconies or terraces that serve as outdoor rooms with sensational vistas. Functional, uncomplicated floor plans provide uncluttered expanse for easy living and entertaining.  
A selection of apartments come with the addition of a full study room to maximise the use of space for your growing family. Choose one of the lower level loft apartments, providing you with the flexibility to orchestrate where and how the elements of your home can complement your living options.

<figure><a href="/buildings/allium-128-bunnerong-road-pagewood"><img alt="" class="image-article_full_width_580px" src="/s3/files/styles/article_full_width_580px/public/pictures/article-images/allium-128-bunnerong-road-pagewood-90a0abbd337cc5173ee5096b2b65a6f9.jpg?itok=jvQHyyMh" style="width: 580px; height: 377px;"></a></figure>Pagewood Green is poised to offer an enticing and unique opportunity to step into luxury and lifestyle in Sydney’s eastern suburbs. The park-like community’s designer towers will be home to grand residences with superior finishes, in a premium location. 
Lush fifth floor podium gardens shape a haven of green at Allium’s heart while rooftop retreats on level 16 are an uplifting sanctuary above – a space to gather for barbecues while admiring elevated views to Botany Bay and the CBD skyline. 

<figure><a href="/buildings/allium-128-bunnerong-road-pagewood"><img alt="" class="image-article_full_width_580px" src="/s3/files/styles/article_full_width_580px/public/pictures/article-images/allium-128-bunnerong-road-pagewood-aee4c91ba24a60933b2285db04f3f044.jpg?itok=R05mpy3k" style="width: 580px; height: 326px;"></a></figure>Designed by award-winning landscape architects, Arcadia, these private sanctuaries are designed exclusively for use by residents and their guests. Completed with a state-of-the-art barbecue, dining area, extensive turfed area, ample shade and a cinema screen, this perfect space is created for relaxation in a beautiful garden setting. 

<figure><a href="/buildings/allium-128-bunnerong-road-pagewood"><img alt="" class="image-article_full_width_580px" src="/s3/files/styles/article_full_width_580px/public/pictures/article-images/allium-128-bunnerong-road-pagewood-ea5d7344519b5eb3fb948e23d9fb72be.jpg?itok=uIOe29dn" style="width: 580px; height: 326px;"></a></figure>
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Australia’s largest apartment developer, Meriton, delivers excellence with their new development Allium, Pagewood

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Nicholas puts you at the centre of thriving Inner-West Ashfield. Imagine a new home, a new neighbourhood, and a fresh new life where everything you need is close at hand. Revered as one of Sydney’s most sought-after suburbs, Ashfield lies in the heart of everything you could ever need. It is in high demand, minutes to transport, immediate WestConnex access, City proximity, and features parklands and excellent private schools.

<figure><a class="colorbox colorbox-insert-image" href="/new-apartments/nicholas-ashfield-10-webbs-avenue-ashfield" rel="gallery-all"><img alt="" class="image-article-full-width-580px" src="/s3/files/styles/article_full_width_580px/public/pictures/article-images/nicholas-webbs-avenue-ashfield-9de9fb507fe02111ed96cb43f2c7eabb.jpg?itok=LLjFQ72K" style="width: 580px; height: 435px;"></a></figure>Nicholas offers contemporary easy living that you and your family have always dreamed about. Excellent indoor-outdoor living and elegant interiors combine to ensure you gain maximum amenity and enjoyment from your home.

These fresh and inviting apartments provide a brand new level of luxury in an area you’ll love to live in. Located just 8 kilometres from Sydney’s CBD, 6 kilometres from The University of Sydney, a few minutes’ walk from Ashfield Mall and Ashfield train station, Nicholas boasts one of the most convenient locations in Sydney’s Inner-West.
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Sydney’s most sought after suburb of Ashfield welcomes Nicholas Apartments

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The Towers’ spectacular apartments are already home to those who appreciate unrivalled living and the investment potential in Perth’s most prestigious riverside city precinct. 
You too have a once-in-a-lifetime opportunity to call this world-class locale yours. Today. A selection of one, two and three bedroom luxury apartments and two exclusively grand penthouses remain, for now, awaiting residents of note to share a refined lifestyle. To live, without limits.

<figure><a href="/buildings/the-towers-at-elizabeth-quay-11-barrack-square-perth"><img alt="" class="image-article_full_width_580px" src="/s3/files/styles/article_full_width_580px/public/pictures/article-images/the-towers-at-elizabeth-quay-1-riverside-drive-perth-16ae475471d9656ff93e907dac766cd6.jpg?itok=dxCRK1xq" style="width: 580px; height: 435px;"></a></figure>Elizabeth Quay connects Perth CBD with the Swan River, creating our city’s most exclusive and striking setting. The Towers is at its heart, soaring above a place people love to live, laugh, eat, create, work and play. It’s 10 hectares of unsurpassed riverfront. And it’s making gentle, but very influential, waves. 
It’s a gracious life at The Towers. Join the select few who already know this. Prospective residents have the opportunity to select 1, 2 or 3-bedroom apartments designed and styled with luxury as the watchword. They begin and end with sweeping, forever views. Display apartments are open. Only two elite penthouses remain. Their multi-level space and outlook is absolutely exceptional.

<figure><a href="/buildings/the-towers-at-elizabeth-quay-11-barrack-square-perth"><img alt="" class="image-article_full_width_580px" src="/s3/files/styles/article_full_width_580px/public/pictures/article-images/the-towers-at-elizabeth-quay-1-riverside-drive-perth-88bcb35a4e5c1b03b1fe732522d57f24.jpg?itok=cMWPoAhJ" style="width: 580px; height: 435px;"></a></figure>Superior amenities abound. Residents of The Towers at Elizabeth Quay enjoy exclusive access to a host of leisure, lifestyle and health-giving options. Living well is merely your starting point. The immediate precinct, with a world-class hotel as your neighbour, provides a sophisticate. 
Arrange a private viewing of display apartments now and request more details on our website. After the panoramic outlooks, they’ll take your breath away.d experience with an unrivalled lifestyle at The Towers.

<figure><a href="/buildings/the-towers-at-elizabeth-quay-11-barrack-square-perth"><img alt="" class="image-article_full_width_580px" src="/s3/files/styles/article_full_width_580px/public/pictures/article-images/the-towers-at-elizabeth-quay-1-riverside-drive-perth-7b8c694f2071ec55531f5fd3f008e991.jpg?itok=L-AmmLIX" style="width: 580px; height: 435px;"></a></figure>
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Invest in Perth’s most prestigious riverside city precinct, The Towers at Elizabeth Quay

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Introducing Lighthouse, the latest residential development situated at the heart of Dee Why’s town centre. These spacious apartments are the perfect home for discerning buyers, boasting an impressive list of lifestyle amenities, premium design features, and outdoor entertainment.

<figure><a href="/buildings/lighthouse-9-17-howard-avenue-dee-why"><img alt="" class="image-article_full_width_580px" src="/s3/files/styles/article_full_width_580px/public/pictures/article-images/lighthouse-9-17-howard-avenue-dee-why-d6ea9972cf6c86eaeb922bb1ff3f7465.jpg?itok=y0oASvPN" style="width: 580px; height: 387px;"></a></figure><ul>
<li>Kitchens are all fully-equipped with SMEG appliances, stone countertops and glass splashbacks.</li>
	<li>Bathrooms feature freestanding baths, wall hung toilet suites, and chrome polished fixtures</li>
	<li>Each apartment features floor-to-ceiling windows to allow for an abundance of natural light, and provide panoramic views</li>
	<li>Residents are treated to resort-style amenities including a 20m indoor pool, gymnasium, spa and sauna</li>
	<li>For residents who work from home, a high-speed internet connection is guaranteed for your workspace</li>
	<li>Facilities will be continuously maintained by an on-site team</li>
	<li>B-Line bus service to take you directly to Sydney CBD</li>
	<li>800m walk to Dee Why Beach</li>
	<li>A 3000sqm retail precinct at your doorstep</li>
</ul>
<figure><a href="/buildings/lighthouse-9-17-howard-avenue-dee-why"><img alt="" class="image-article_full_width_580px" src="/s3/files/styles/article_full_width_580px/public/pictures/article-images/lighthouse-9-17-howard-avenue-dee-why-5aef4a54d6a2b9fee4145b69f3d9fcf8.jpg?itok=X2JomhP1" style="width: 580px; height: 322px;"></a></figure>Lighthouse apartments are available in two and three bedroom configurations, each complete with stunning panoramic ocean views, floor-to-ceiling windows, and boast effortless, modern design. Kitchens are all fully-equipped with SMEG appliances, stone countertops and glass splashback for a luxurious feel, while bathrooms feature freestanding baths and polished chrome fixtures and fittings. Residents will feel right at home with the plush carpets and LED lighting, with reverse air conditioning maintaining optimum comfort throughout the year. 

<figure><a href="/buildings/lighthouse-9-17-howard-avenue-dee-why"><img alt="" class="image-article_full_width_580px" src="/s3/files/styles/article_full_width_580px/public/pictures/article-images/lighthouse-9-17-howard-avenue-dee-why-cec79cf0dfeed38a24fdefc27a1d8c8f.jpg?itok=gFkGdt6l" style="width: 580px; height: 387px;"></a></figure>Residents are treated to resort-style amenities including a 20m indoor pool, gymnasium, spa and sauna. Parents looking for some time to enjoy these facilities and relaxation can also utilise the on-site child care centre. A private garden with BBQs will also be available for those who enjoy al fresco dining and this will be maintained by a dedicated on-site maintenance team. For residents who work from home, a high-speed internet connection is guaranteed for your workspace. 

Located right at the centre of Dee Why, residents have the ability to walk to the nearest beach in a few minutes, with a selection of retail outlets at their doorstep. The new B-line bus service also provides a direct route to Sydney CBD. 

<figure><a href="/buildings/lighthouse-9-17-howard-avenue-dee-why"><img alt="" class="image-article_full_width_580px" src="/s3/files/styles/article_full_width_580px/public/pictures/article-images/lighthouse-9-17-howard-avenue-dee-why-b69df10d830c0341d9d9af9881e2f35b.jpg?itok=h8nJAIHC" style="width: 580px; height: 327px;"></a></figure>Book a tour of the Lighthouse display home today via Urban. The display suite will be open 10 am - 5 pm Saturdays and Sundays.  
 
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Discover Lighthouse, Dee Why’s latest residential addition

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Heritage Bank will offer variable rate home loan rates from as low as 2.54% after announcing cuts to its rates last week.

Heritage has reduced selected rates for new loans across its owner occupier and investment range from making it more attractive for prospective borrowers to take out a loan with Australia’s largest customer-owned bank.

Heritage has dropped its Discount Variable home loan interest rate to 2.54%, for eligible borrowers taking out a new owner occupier loan of $150,000 - $699,999 with a loan to value ratio equal to or less than 70%. 
  
Other rate reductions for new owner occupier loans include:

<ul>
<li>Selected Discount Variable loans reduced by 0.09%</li>
	<li>Selected Home Advantage Variable loans decreased by up to 0.19%</li>
</ul>
There is also news for investors with further rate cuts for new loans as follows:

<ul>
<li> Investor Discount Variable loan rates reduced by up to 0.14%</li>
	<li> Investor Home Advantage Variable loan rates cut by 0.14% - 0.24%</li>
</ul>
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Heritage has dropped its discount variable home loan interest rate to 2.54%

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