Too often, heritage buildings become the podium for a contemporary tower. At <a href="https://www.apartments.com.au/new-apartments/623-collins-607-623-collins-street-melbourne-vic-3000">623 Collins</a>, <a>Sterling Global</a> challenged its design team to reverse that process.

The brief to <a href="https://www.apartments.com.au/architects/plus-studio">Plus Studio</a> was deliberately simple: "Don't design around the heritage. Design from it." It became the philosophy behind a project that draws inspiration not only from two landmark heritage buildings, but from Collins Street itself, a street layered with architectural history and civic significance.

That philosophy has shaped one of <a href="https://www.apartments.com.au/developments/melbourne-vic-3000">Melbourne</a> CBD's most considered residential projects, where the 1924 State Savings Bank and neighbouring Batman's Hill Hotel have become the architectural foundation for 623 Collins rather than remnants preserved beneath a new development.

[smartcode_project:default project_id=145324 project_image_fid=372749]

Rather than approaching the site as a blank canvas, <a href="https://www.apartments.com.au/developers/sterling-global">Sterling Global</a> saw the existing buildings as the beginning of the story.

"Sites like this rarely become available," the developer said.

"623 Collins wasn't simply an opportunity to develop a prominent CBD site. It was an opportunity to restore and reimagine one of Melbourne's important heritage landmarks while contributing to the continued evolution of Collins Street. For us, the existing buildings weren't constraints. They were the beginning of the story."

Instead of mimicking the ornate heritage architecture, Plus Studio studied the proportions, rhythm and craftsmanship of the original buildings before translating those characteristics into a contemporary 42-storey tower.

[smartcode_project:default project_id=145324 project_image_fid=372748]

"The brief challenged us to create a contemporary landmark that respected Melbourne's architectural history without becoming nostalgic," Plus Studio said.

"Rather than mimicking heritage, we sought to understand its proportions, rhythm and material language before translating those qualities into a distinctly contemporary architectural expression."

The practice says the State Savings Bank and Batman's Hill Hotel became the project's primary source of inspiration, allowing the heritage buildings and contemporary architecture to exist "in conversation rather than contrast." Generous planted terraces further soften the transition between old and new, creating elevated green spaces while reinforcing the dialogue between the restored podium and the contemporary tower.

That dialogue continues throughout the interiors, where Melbourne designer Fiona Lynch developed a material palette inspired by the idea of alchemy, balancing contrasting materials that reference both the Neo-Grec detailing of the original bank and contemporary urban living. The result is a series of spaces that feel timeless rather than trend-driven.

[smartcode_project:default project_id=145324 project_image_fid=354343]

The project will deliver 316 residences across four collections, Heirloom, Signature, Reserve and the Penthouse Collection, with each responding differently to its position within the building, from the restored heritage podium through to the upper levels of the tower. The Heirloom Residences retain defining heritage elements including original heritage windows, generous proportions and high ceilings, while the tower introduces contemporary homes with expansive layouts and elevated views.

Amenities have likewise been designed to support long-term city living rather than short-stay convenience. Residents will have access to concierge services, wellness facilities including a pool, cold plunge, sauna, steam room and gym, alongside private lounges, entertaining spaces and dedicated resident clubs.

Sterling Global says that approach is resonating with buyers seeking permanence rather than novelty.

[smartcode_project:default project_id=145324 project_image_fid=354347]

According to the sales team, purchasers are looking for enduring architecture, generous floorplans, heritage character and long-term value, with many commenting that 623 Collins "doesn't feel like another apartment development" because of the way the architecture has been curated around the site's history.

Situated on the prominent corner of Collins and Spencer streets, the project occupies one of Melbourne's most recognisable gateway sites, marking the western entrance to the city's best-known street. For Sterling Global, it also reflects a broader shift in city-making.

"Rather than maximising development yield, the project embraces adaptive reuse as a design philosophy, allowing heritage to inform architecture, interiors and the overall resident experience," the developer said.

"The result is a building that feels uniquely connected to Melbourne."

[smartcode_project_cta:default project_id=145324]

Joel Robinson

How Sterling Global designed 623 Collins from Melbourne's history

Avant Townhomes is adding to Ivanhoe’s family-sized housing options with <a href="https://www.apartments.com.au/new-townhouses/three-82-ivanhoe-382-upper-heidelberg-road-ivanhoe-vic-3079">Three 82</a>, a collection of just 16 four-bedroom townhomes on Upper Heidelberg Road.

The <a href="https://www.apartments.com.au/developers/intrapac-property">Intrapac Property</a> townhome division has taken a contemporary approach to the traditional family home, pairing larger floorplans with the lower-maintenance format of a townhouse.

[smartcode_project:default project_id=152069 project_image_fid=374394]

Designed by <a href="https://www.apartments.com.au/architects/arcadia-studio">Arcadia</a>, with landscaping by Landsite, the homes feature generous open-plan living and dining areas that connect directly to outdoor spaces, with layouts also designed to maximise natural light and privacy.

Natural stone is used throughout the interiors, including in kitchens that pair stone surfaces with bespoke cabinetry, considered storage and SMEG appliances.

The four-bedroom layouts include built-in wardrobes and a main bedroom with its own ensuite, while family bathrooms service the additional bedrooms. Each home also includes a lock-up double garage and intercom entry.

[smartcode_project:default project_id=152069 project_image_fid=374399]

Energy efficiency has been incorporated into the design through solar panels, double glazing and reverse-cycle heating and cooling, with the homes targeting 7-star energy ratings.

Rather than incorporating extensive communal facilities, Three 82 has been conceived around private residential amenity, with the 16-home scale keeping the focus on individual homes and their own indoor and outdoor spaces.

The development is located at 382 Upper Heidelberg Road, around one kilometre from Ivanhoe Village's cafés and retail and a short drive from Eaglemont Station and Ivanhoe Station.

[smartcode_project:default project_id=152069 project_image_fid=374393]

Several of Ivanhoe's established schools are also nearby, including Ivanhoe Girls' Grammar and Ivanhoe Grammar School. The address also provides access to the suburb's parklands and the wider Yarra River corridor.

<a href="https://www.apartments.com.au/project-marketer/nelson-alexander">Nelson Alexander</a> has been appointed to handle sales.

Construction is underway and progressing well, with Three 82 currently tracking toward completion in Q2 2027.

[smartcode_project_cta:default project_id=152069]

Three 82 brings boutique four-bedroom townhome collection to Ivanhoe

Builder-developer&nbsp;<a href="https://www.apartments.com.au/developers/graya">Graya</a> has secured a prime Newstead site from fellow developer Fraser, subsequently lodging plans for The Silo, a major mixed-use residential project in Newstead designed around a new public laneway linking the James Street precinct with the wider Gasworks and Newstead neighbourhood.

Proposed for the corner of Chester and Morse streets, the <a href="https://www.apartments.com.au/architects/bureauproberts">Bureau^Proberts</a>-designed project places its strongest emphasis at ground level, where retail, landscaping and a new cobblestone pedestrian connection would open the site to the surrounding neighbourhood. The design team describes The Silo as “more than a residential building”, positioning the development as an extension of Newstead’s public realm rather than a standalone apartment tower.

“A new cobblestone laneway and landscaped connection between James Street and Gasworks unlock a missing pedestrian link, improving walkability and stitching together two of Brisbane’s significant urban destinations,” Bureau Proberts said in its Urban Design Report.

<img alt="First look: Graya plans The Silo as new pedestrian link between James Street and Gasworks" data-entity-type="file" data-entity-uuid="0ea1b06a-75f5-40a5-b2c5-33c97bc86052" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/silo%20bldg.png?VersionId=KmjsAtNePu57_B31EM_DJ5T6KPJHtcmo" />

The Silo is planned as a mixed-use development incorporating apartments alongside a bar and centre activities including food and drink outlets, indoor sport and recreation, office and retail uses.

Architecturally, Bureau Proberts has conceived the building as a collection of vertically expressed, stepping forms rather than a single uniform tower. The composition rises from an articulated podium before being broken by a triple-height landscaped recreation level, with the upper section becoming more compact before terminating in a landscaped rooftop garden.

The project's name and architectural language draw directly from Newstead's industrial history. Patterned off-form concrete is proposed as the principal façade material, complemented by slender metal rod balustrades and extensive planting. The cylindrical and vertically ribbed elements give the building its silo-like expression, while curved balconies and planted edges introduce a softer subtropical layer.

“The Silo reinterprets its robust forms, scale and materiality through a contemporary subtropical architectural expression, creating a building that acknowledges its industrial legacy, while responding to the way the precinct is occupied today,” Bureau^Proberts said.

The recreation level is one of the defining breaks in the tower. Plans include a lap pool, mature subtropical planting and shared resident facilities within an elevated communal garden. Landscaping continues through the podium and onto the rooftop, where a further garden forms what the architects describe as a “subtropical crown” to the building.

<img alt="First look: Graya plans The Silo as new pedestrian link between James Street and Gasworks" data-entity-type="file" data-entity-uuid="f8451036-35a4-49a9-8d88-2ef4438eba3d" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/Silo%20Lane.png?VersionId=h8N31_rYmCEqoNrpt4kbYVQhJGZn60LH" />

At street level, the development has been designed to establish a more permeable block. Retail and hospitality tenancies address the public realm, while landscaped pedestrian spaces lead into the new laneway connection. Renders in the design report show the proposed “Silo Lane” as a substantial opening through the podium, framed by cylindrical concrete forms with cascading planting above.

The Silo continues Graya's move into larger apartment developments after building its reputation across high-end residential projects in Brisbane and the Gold Coast.

Graya buys Frasers Newstead site, plans The Silo between James Street and Gasworks precincts

<a href="https://www.apartments.com.au/developers/wickton">Wickton</a>’s completed Linacre Rise development in Hampton is giving Bayside downsizers the opportunity to move into a spacious apartment near the beach, with the developer covering stamp duty for a limited time.

The 27-residence development has been designed for buyers who want to simplify their living arrangements without giving up the space, warmth and quality associated with a long-term family home. Most apartments have already been secured by Bayside locals, leaving a select collection of two and three-bedroom residences and penthouses available.

Two-bedroom apartments are priced from $1.275 million, three-bedroom residences from $2.25 million and penthouses from $3.375 million, with the completed homes available to inspect and move into now.

[smartcode_project:default project_id=95289 project_image_fid=366760]

<a href="https://www.apartments.com.au/buildings/linacre-rise-hampton-8-10-linacre-road-hampton-vic-3188">Linacre Rise</a> occupies an elevated position on one of <a href="https://www.apartments.com.au/developments/hampton-vic-3188">Hampton</a>’s quiet, tree-lined streets, around 250 metres from the bay and 500 metres from Hampton’s village centre. Its setting gives residents access to the beach, local cafés, shops and Hampton Train Station while retaining the feel of an established residential neighbourhood.

Architecture and interiors by <a href="https://www.apartments.com.au/architects/ewert-leaf">Ewert Leaf</a> draw on the warmth and permanence of traditional brickwork, with the building integrated into terraced landscaping by <a href="https://www.apartments.com.au/landscape-architect/john-patrick-landscape-architects">John Patrick</a>. Ground-floor apartments are elevated above the street and include private garden courtyards, while several upper-level residences have generous balconies and outlooks toward the bay.

Inside, the residences favour natural materials and generous proportions. Herringbone-pattern European oak flooring, natural stone benchtops, premium joinery and Swiss V-ZUG appliances are among the key inclusions, while integrated storage has been incorporated across kitchens, bathrooms, studies and living areas.

The kitchens have been planned as practical spaces for both everyday use and entertaining, with substantial island benches, detailed cabinetry and adjoining dining and living zones. Full-height wardrobes, plush bedroom carpeting and carefully considered lighting reinforce the residential character Wickton sought to retain for buyers moving from larger homes.

[smartcode_project:default project_id=95289 project_image_fid=366769]

A Linacre Rise purchaser said the completed apartment had delivered the space, outlook and construction quality they had been seeking.

“The unit is very light, has views to die for over the bay, all construction materials and fittings are premium quality, we have secure parking for three cars, EV charging at very competitive rates, the neighbours are friendly and there is just a lovely ambiance about the place,” the purchaser said.

Environmental features include solar panels, shared electric vehicle charging stations, rainwater harvesting for toilet flushing and landscape irrigation, double-glazed windows and water-efficient fixtures and appliances.

[smartcode_project:default project_id=95289 project_image_fid=366762]

The development was built by Balmain &amp; Co, with Wickton managing the broader development process through its in-house team.

For downsizers, the project’s completed status removes much of the uncertainty associated with buying off the plan. Purchasers can inspect the finished apartments, understand their outlook and proportions, and move in without waiting for construction to conclude.

The remaining selection includes north-oriented balconies, corner configurations and penthouses with elevated bay views. The developer-paid stamp duty initiative is available for a limited time, with potential savings of up to $200,000 depending on the residence purchased.

[smartcode_project_cta:default project_id=95289]

Limited-time stamp duty offer at completed Linacre Rise apartments in Hampton

Luxury apartment buyers have long prioritised design, space and finishes, but increasingly they're placing equal importance on something less tangible: how easily they can live without relying on a car.

At <a>Richmond Square</a>, <a href="https://www.apartments.com.au/developers/fortis">Fortis</a> believes that convenience begins beyond the apartment itself, with the mixed-use precinct earning a near-perfect Walk Score of 99.

The development has been planned around the idea that some of the most valuable amenities aren't contained within a building, they're the restaurants, cafés, parks, transport connections and daily conveniences that can all be reached on foot.

Located just behind Swan Street and Church Street, <a href="https://www.apartments.com.au/new-apartments/richmond-square-1-wiltshire-street-richmond-vic-3121">Richmond Square</a> places residents within one of Melbo​u​rne's most established lifestyle precincts while offering a quieter residential setting removed from the busiest thoroughfares. East Richmond Station is moments away, trams run along both Swan and Church Streets, and the MCG, Melb​​ourne Park, Yarra River trails and the CBD are all within walking distance. At the same time, the precinct itself will introduce a curated mix of dining, retail, hospitality and wellness offerings, creating a destination that extends well beyond its residential buildings.

[smartcode_project:default project_id=13181 project_image_fid=348530]

For Fortis, that combination of location and scale was what made the site unique.

"<a href="https://www.apartments.com.au/developments/richmond-vic-3121">Richmond</a> is one of Melb​o​urne's most established and distinctive inner-city neighbourhoods, with a rare combination of dining, culture, recreation, public transport and proximity to the CBD," the developer said.

"The opportunity at Wiltshire Street was particularly compelling because the site sits slightly removed from the activity of Swan and Church Streets while remaining only moments from everything that makes the area desirable."

Rather than developing a standalone apartment building, Fortis consolidated 15 individual properties to create one of the larger development parcels assembled on Mel​b​ourne's city fringe in recent years. That allowed the team to deliver a genuine mixed-use precinct comprising 107 residences across Wiltshire House and Carmine House, premium office space, hospitality venues, retail, wellness offerings and a future 57-room hotel.

"The scale of the site allowed Fortis to think beyond a standalone apartment building," the developer said.

"Richmond Square could be planned as a complete lifestyle precinct, bringing homes, workplaces, dining, retail, hospitality and wellness together around a series of activated public spaces. The aim was to create a destination that feels connected to Richmond rather than separate from it."

[smartcode_project:default project_id=13181 project_image_fid=348533]

The emphasis on walkability has also resonated with buyers.

Interest has been strongest from established owner-occupiers, particularly downsizers from Richmond and Melb​ourne's inner east who want to remain close to familiar restaurants, workplaces, family and social networks while moving into a more secure, lower-maintenance home. The project is also attracting Mornington Peninsula and interstate buyers seeking a Melb​ourne residence they can lock up and leave between visits.

Many are looking for generous living spaces, room to entertain, quality finishes and confidence in the project team, but location remains one of the biggest deciding factors.

"For many buyers, Richmond Square provides a way to simplify the practical side of home ownership without reducing the quality of their lifestyle," the sales team said.

"Location is also a major driver of interest. Buyers can remain connected to the CBD, major sporting events, the arts centres, local restaurants, cafes and bars and their family while living in a private and secure residence that is easy to lock up and leave for weekends or longer periods away."

[smartcode_project:default project_id=13181 project_image_fid=348549]

The residences themselves have been designed with that buyer in mind. Award-winning architecture practice SJB and interior designers Hecker Guthrie have created spacious two and three-bedroom apartments and penthouses that prioritise generous living areas, natural light, bespoke joinery and private terraces. Above, a rooftop sanctuary by Acre includes landscaped lawns, bookable dining rooms, barbecue facilities, wellness spaces and panoramic views across the CBD, the MCG and Port Phillip Bay.

Fortis believes Richmond Square reflects a broader evolution in apartment living, where the surrounding neighbourhood becomes just as important as the residence itself.

"Richmond Square introduces a different proposition: generously proportioned residences within a genuinely mixed-use, hospitality-led destination," the developer said.

"The project's location and Walk Score of 99 further support a lifestyle where residents can complete many everyday journeys without relying on a car."

Fortis has assembled an experienced team that includes <a href="https://www.apartments.com.au/architects/sjb-architects">SJB</a>, <a href="https://www.apartments.com.au/interior-designers/hecker-guthrie">Hecker Guthrie</a>, <a href="https://www.apartments.com.au/landscape-architect/acre">Acre</a> and builder <a href="https://www.apartments.com.au/builders/hacer-group">Hacer Group</a>, reflecting the developer's commitment to creating projects with enduring design quality and meaningful connections to the communities in which they sit.&nbsp;

Richmond Square is an expression of that philosophy, bringing together homes, workplaces, hospitality and wellness within one of Me​lb​ourne's most walkable neighbourhoods.&nbsp;

Construction is now almost complete, providing purchasers with growing confidence ahead of its expected September 2026 completion.

[smartcode_project_cta:default project_id=13181]

Walk Score of 99 places Richmond Square at the heart of Melbourne's most connected lifestyle

Prominent New Zealand apartment and hotel operator, <a href="/developers/safari-group">Safari Group</a>, is offering up a prime investment opportunity for Australians to purchase off the plan in one of the world’s most popular ski destinations.

They recently took to market Mountain Oak Queenstown Apartments, in the growing precinct of Remarkables Park in Frankton, near the airport and at the foot of The Remarkables - the mountain range the locals like to call “The Remarks”.&nbsp;

Sydney investors have shown interest in the one, two and three-bedroom apartments that secure high-season occupancy six months over the year, primarily over summer and winter months.

They average 90 per cent occupancy across their portfolio over January, February, March, August, November and December, while shoulder season months of April, July, September and October are still occupied 70 per cent of the time, with the growing appeal of Queenstown becoming not just a hotspot for the snow, but a lifestyle destination.

Even in the low seasons of May and June, occupancy levels reach around 40 per cent.

<img alt="Safari Group’s Mountain Oak Apartments brings new investment potential to Queenstown" data-entity-type="" data-entity-uuid="" src="https://res.cloudinary.com/dz9xllyip/image/fetch/f_auto,c_limit,w_1440,q_auto/https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/field/image/Ext_Cam15_Sunny.jpg?VersionId=SJAROUM_1s.Tr5ciMk4EEj5oAt_Vewmv" />

Safari’s Safari Hotels arm can also manage the holiday letting for an investor, from the listing on holiday accommodation websites such as Airbnb and Booking.com to the cleaning and maintenance of the investment. They’ve been in the short stay management business for 15 years and offer 24/7 support for investors, an important convenience benefit for any overseas investor

Another major drawcard for Australians is that New Zealand doesn’t have a stamp duty policy - so the entry price of NZ$639,000 (AU$586,000), is all that is payable on completion.

<img alt="Safari Group’s Mountain Oak Apartments brings new investment potential to Queenstown" data-entity-type="" data-entity-uuid="" src="https://res.cloudinary.com/dz9xllyip/image/fetch/c_scale,w_580,dpr_2.0,q_auto:good/https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/313_Livingv2_WEB.jpg?VersionId=nV229fM0ZeYpoxOrX372HyGjfwY_LR8c" />

Safari is starting construction of the 141 apartments in Q2 this year, with a two-year build estimated to complete in mid-to-late 2027.<img alt="" data-entity-type="" data-entity-uuid="" height="15" src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXczFpFAb7WuA6f4f9TtKWcqXyNwR8qqtakWv352ERkpqNlP3KwIo8YKxw67jZNHfpjEGIZGv5MQTbnvLZwNt8iu9IVdOrswOjCvBZ4zhSoOOLrpt6etVEZTN1gkBho0r_R72zdHNA?key=yq3daOanqHSb88QFd8jGYKdb" title="Click and drag to move" width="15" />​

The apartments will feature modern amenities and contemporary designs with expansive windows capturing sweeping views of The Remarkables mountain range.&nbsp;

Interiors are equipped with modern finishes, premium appliances, and secure electronic key-locked doors, ensuring a comfortable living experience for residents and guests alike.

With its strategic location near Coronet Peak and Cardrona Alpine Resort, as well as key retail and dining precincts such as Market Street, Five Mile Shopping Centre, and Remarkables Market, Mountain Oak offers a strong proposition for investors seeking high rental yields and capital appreciation in one of New Zealand’s most sought-after locations.&nbsp;

Queenstown’s sustained demand for visitor accommodation and rental properties is underpinned by a shortage of housing options, attracting both local and international buyers.

Safari Group offers low-touch investment proposition in Queenstown’s popular ski fields district

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Veteran economics columnists Terry McCrann and Robert Gottliebsen wrote last week that the RBA told the big four banks that a housing price boom is currently its greatest fear.
It seems someone at Westpac ought tell the Bank of Melbourne given their current advertising campaign.
<img alt="bank-of-melbourne-aug-22" src="/images/stories/2013/08/bank-of-melbourne-aug-22.jpg" width="470" height="629">
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jchancellor-FAypfDUnLy

Someone forgot to tell the Bank of Melbourne that we don't want irrational exuberance

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Historically low interest rates are driving signs of an improving residential market, according to Lend Lease which just posted a 10% increase in statutory profits for the year to $551.6 million.
It has construction backlog revenue of $17.3 billion and $15.0 billion of funds under management. The estimated end value of its development pipeline is $37.4 billion – the largest in the company’s history.
“While the market outlook presents challenges, the depth of our pipeline provides Lend Lease with significant earnings visibility and a platform for a strong growth trajectory over the next three years,” the newly reappointed Steven McCann said in a statement.
It says the domestic environment is challenging but says there are early signs of an improving residential market given low interest rates.
“(The) Australian interest rate environment should provide more favourable outlook for residential markets,” Lend Lease said in its results.
It says it had increased residential enquiry levels as well as strong pre-sales at key urban regeneration projects.
It made progress on six major projects in Australia during the 2012-2013 financial year.
Click to enlarge
<a rel="shadowbox" href="/images/stories/2013/08/lend-lease-results-aug-22-big.gif" title="Click to enlarge"><img src="/images/stories/2013/08/lend-lease-results-aug-22-small.gif"></a>
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awalsh-7Ub9EypybQ

Residential recovery under way as Lend Lease posts 10% profit increase

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Auction listings on the day of the federal election are down 44% in Sydney, but just 15% in Melbourne compared to last year, according to Australia Property Monitors.
There are 199 scheduled auctions in Sydney on September 7 and 414 in Melbourne. That's compared to 538 auctions scheduled for the weekend before in Sydney and 703 in Melbourne.
Real estate sage John McGrath says vendors shouldn't be worried about the election.
"It really doesn't matter. If you're going to buy a house, you'll find time. Voting will probably only take most people about 30 minutes so an election shouldn't pose a problem," McGrath told News Limited earlier this month.
"In fact if anything sellers could benefit from election day because there would be less competition."
<img alt="poll-results-sept-6" height="132" width="529" src="/images/stories/2013/09/05/poll-results-sept-6.jpg">
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po-LsXgBTHBmX

Would you feel comfortable auctioning your property on election day?

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Fast forward a few weeks and the federal election will be over, the result will be known and we’ll be getting on with our lives.
So what will that mean for the property markets?
What will happen to the value of our home or investment property?
The fact is whatever the election result; the news is good for our property markets.
Let’s look at 10 reasons why:
1. Australia’s economy is in good shape
Whoever wins the election will inherit an economy that’s in pretty good shape.  Sure we didn’t make the most of the mini resources boom we experienced over the last few years, but our economy is the envy of most developed nations.
We’ve gone two decades without a recession and according to the Reserve Bank there is no likelihood of one in the next few years.  In fact the RBA believes that exports will ramp up and also sees stronger economic growth returning to Australia.
2. Our population is growing
There has been no discussion about big Australia v small Australia for some time because our politicians recognise the importance of strong population growth to feed our economy, take the new jobs being created and replace the retiring baby boomers.
Australia’s population increased by close to 400,000 people last year - that’s like adding another Canberra or Newcastle.
Of course the majority of these people have come to our big four capital cities because that’s where the jobs are. You’ll find that most of them want to live in many of the same suburbs, but we just can’t fit them in!
3. We are a wealthy nation
By many measures we’re very wealthy and this was confirmed in the <a href="https://economics.uwo.ca/news/Davies_CreditSuisse_Oct12.pdf">Credit Suisse 2012 Global Wealth Report</a> which showed that Australians are now comfortably the richest population in the world with a median wealth of US$194,000 per adult.
Interestingly, the report states that Australians comprised some 1,571,000 people in the top 1% of the planet’s wealthiest persons.
By the way, in order to be in the world’s top 1% you need a net wealth of US$710,000, and if you have net assets of over US$71,000, you are in the richest 10% of global wealth holders.
4. Household finances are in sound shape.
Rather than spending their money, over the last few years most Australians have been stashing their cash. Many have reduced their credit card debts, while others have been saving and other people have taken advantage of low interest rates to pay down their home mortgage.
There has also been a strong gain in wealth for households due to rising stock prices on the ASX and the increased value of their homes.
Their robust balance sheets will allow many Australians to ramp up borrowings and get into the property market over the next years.
5. Unemployment is low
Sure some jobs have disappeared, but new jobs are being created and even though unemployment may rise over the coming months, overall levels remain comfortable around 5.7%.
When people feel secure about their jobs their more positive outlook is good for confidence, good for consumption and good for investment.
 
<hr class="system-pagebreak">
6. Australia’s inflation rate is low.
Our low inflation rate gives the <a href="https://rba.gov.au/">Reserve Bank</a> room to keep interest rates low or contemplate reducing them even further if needed to stimulate our economy.
7. Interest Rates are low and likely to remain so for a while
Our low interest rates are allowing home owners to pay off their mortgages quicker and given some who have over committed extra breathing space.
8. Housing Affordability is high
Despite the many complaints, a number of measures show that housing affordability is at its highest level in the last two decades. 
9. Consumer confidence is picking up
Consumer sentiment (the big missing ingredient over the last few years) has been fragile over the last months. One month our mojo returns and the next we’re despondent. But overall more of us are more optimistic than pessimistic according to the latest <a href="https://melbourneinstitute.com/downloads/media_release/2013/CSI/PressReleaseCSI20130710.pdf">Westpac Melbourne Institute measure of confidence.</a>
10. The bad news around the world is subsiding.
While the world’s problems haven’t gone away, many of the fears that have plagued us over the last few years are subsiding:
<ul>
<li>
The US economy is picking up and didn’t fall off its fiscal cliff like everyone expected.
</li>
<li>
China’s economy has not collapsed as some scare mongers suggested it would. China recently reported a good set of trade figures, suggesting that the targeted 7.5% growth might yet be achieved. This is great news for Australia, being ideally positioned to capitalise on this once-in-a-generation boom for our mineral exports.
</li>
<li>
Europe will remain a basket case for years. It seems the Eurozone has got through the worst and the European Central Bank appears to have stabilised the situation compared with the crisis 18 months ago.
</li>
</ul>
Our property markets will continue to rally. Having bottomed in the middle of last year, house prices are slowly rising – a trend that should continue once the election is over.
Of course there is not one property market and some areas will still languish. But a mixture of low interest rates, strong population growth, job stability, affordability and rising rentals will make more people get involved in property this year.
Some will just renovate or improve their homes. Others will take the next step and upgrade to new or bigger homes. More first-home buyers will get a foot on the property ladder pushed by higher rents and lower interest rates.
And investors looking to get set for the next stage of the property cycle will take advantage of the opportunities the property market is offering them.
What are you going to do after the election?
Want to know what I’ll be doing?
I’ll show you exactly what I’m up to at my upcoming Property Market and Economic Updates that I’ll be conducting in four states in August and September 2013.
If you’re serious about property investment please join me and a group of property and tax experts because I will be presenting a heap of brand new content I haven’t discussed in public before.
I guarantee there will be several things I reveal that you are not doing and you should be! <a href="https://propertymarketupdate.com.au/">Click here</a> now to get more details and reserve your seat.
If you want to cut through all of the media hype, and all the contradictory predictions, and learn the truth (both good and bad) about what is going to happen to the Australian property markets, this seminar is exactly for you…  <a href="https://propertymarketupdate.com.au/">Click here</a> now to get more details and reserve your seat.  
<hr>
Michael Yardney is a director of <a rel="nofollow" href="https://www.metropole.com.au/">Metropole Property Strategists</a>. 
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10 reasons why the property market outlook is good, whatever the election result: Michael Yardney

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There are features tenants might give their right arm for and still others that tenants may not even give a second thought to.
Funnily, the fads keep changing and you cannot stick your throat out and make the call.
An elaborate survey conducted in Brisbane by Beesnees has come up with some food for thought for landlords.
On what features and renovations should they put their money? An article by Rob Honeycombe marks out the key conclusions from the survey.
Here then are a few features which are very high on the wish list of tenants:
‘Park your money’ on the parking lot.
Yes, parking spots. It was fourth most sought after feature in the 2011 survey but this year; it has become the prime focus of tenants.
Continued shortage of street parking has perhaps led to such a response in favour of parking lots.
Some kind of an outdoor space. Most tenants seek some semblance of outdoor area.
While they may not be ambitious enough to look for large or garish patios and courtyards, they definitely look for a habitable outdoor space where they can plan a barbecue or spend a few reflective moments.
Maintenance-free homes with high-speed internet. 
Tenants also vouched for clean, modern spaces that did not require too much of maintenance.
Interestingly, this year, high-speed internet connections have got their due recognition.
Landlords will do well to facilitate infrastructure that make high-speed connections possible.
In his article, Honeycombe also advises not to spend money on Gymnasiums or swimming pools.
You can read the original article <a target="_blank" href="https://thebuzz.beesnees.com.au/2011/06/what-tenants-really-want-and-will-pay-more-rent-to-have/">here</a>.
Green homes - another feature worth paying for I personally feel that one feature will make a big entry in next year’s survey.
I am talking about green certification for homes – energy efficient, cost saving homes.
Tenants are already feeling the impact of higher energy bills and they know how a ‘<a target="_blank" href="https://buyersagent-sydney.com.au/why-and-how-of-green-rental-homes/" title="The ‘Why” And ‘How’ Of Green Rental Homes">green’ home</a> can reduce their bills considerably.
 
<hr>
 Tracey Chandler is a <a target="_blank" rel="nofollow" href="https://buyersagent-sydney.com.au/">buyer's agent specialising in Sydney's eastern suburbs</a>. This article originally appeared at <a target="_blank" rel="nofollow" href="https://buyersagent-sydney.com.au/">buyersagent-sydney.com.au</a>.
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What are the top features tenants look for? Tracey Chandler

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According to the 2011 Census, the average age of people holding a mortgage in Victoria was a young 32.
The Real Estate Institute of Victoria (REIV) has estimated that around 19% of all individual mortgage holders are aged under 30 years old.
The REIV set out to find where they were all buying across Victoria.
Given young buyers have not had the time to build considerable savings, not have access to a great deal of equity which means that they are very price sensitive.
It’s therefore unsurprising that the most popular suburbs for them tend to be the more affordable ones which also tend to be in the outer or regional suburbs, the REIV said.
In the metropolitan context, the most popular suburb for young buyers are:
<ul>
<li><a target="_blank" href="https://www.realestateview.com.au/real-estate/melbourne/outer-north/craigieburn/houses-for-sale/" title="Craigieburn Houses for Sale">Craigieburn</a></li>
<li><a target="_blank" href="https://www.realestateview.com.au/real-estate/melbourne/outer-south-east/pakenham/houses-for-sale/" title="Pakenham Houses for Sale">Pakenham</a></li>
<li><a target="_blank" href="https://www.realestateview.com.au/real-estate/melbourne/inner-west/point-cook/" title="Point Cook Real Estate">Point Cook</a></li>
<li><a target="_blank" href="https://www.realestateview.com.au/real-estate/melbourne/outer-south-east/berwick/houses-for-sale/" title="Berwick Houses for Sale">Berwick</a></li>
<li><a target="_blank" href="https://www.realestateview.com.au/real-estate/melbourne/outer-western/tarneit/houses-for-sale/" title="Tarneit Houses for Sale">Tarneit</a></li>
</ul>
These suburbs have median house prices ranging from $315,000 to $460,000, which typically translates to average mortgage repayments of around $2,000 to $3,000 per month.
In the regional context, the most popular towns are:
<ul>
<li><a target="_blank" href="https://www.realestateview.com.au/real-estate/victoria/la-trobe/traralgon/houses-for-sale/" title="Traralgon Houses for Sale">Traralgon</a></li>
<li><a target="_blank" href="https://www.realestateview.com.au/real-estate/victoria/sunraysia/mildura/houses-for-sale/" title="Mildura Houses for Sale">Mildura</a></li>
<li><a target="_blank" href="https://www.realestateview.com.au/real-estate/victoria/greater-shepparton/shepparton/" title="Shepparton Real Estate">Shepparton</a></li>
<li><a target="_blank" href="https://www.realestateview.com.au/real-estate/victoria/glenelg-warrnambool/warrnambool/houses-for-sale/" title="Warrnambool Houses for Sale">Warrnambool</a></li>
<li><a target="_blank" href="https://www.realestateview.com.au/real-estate/melbourne/greater-geelong/grovedale/" title="Grovedale Real Estate">Grovedale</a></li>
</ul>
The median house prices in these areas range from $222,000 to $364,800, equating to average mortgage repayments of around $1,300 to $2,300 per month.
Their analysis confirmrf the long term trend of young buyers buying in the outer growth suburbs.
"It is reasonable to expect that as housing density increases in the <a target="_blank" href="https://www.realestateview.com.au/real-estate/melbourne/melbourne/" title="Inner city real estate">inner city</a> there will also be an increasing greater number of young buyers there.
"However at this point in time, the overall volumes are low compared to the outer suburbs," the REIV said.
This concentration of younger buyers in growing new suburbs has obvious impacts on the provision of services by governments as these families invariably have children and who will require childcare, schools and recreational facilities.
The REIV noted it was interesting to reflect that the majority of mortgage holders, 53%, are aged between 35 and 54 with the highest concentration being between 40 and 44.

<hr>
Photo of Point Cook courtesy of <a target="_blank" href="https://www.flickr.com/photos/boobook48/">Lorraine Phelan</a>/flickr.
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Craigieburn, Pakenham and Point Cook top the most youthful mortgage markets in Victoria: REIV

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Property investors with either positive or negative gearing can claim the following expenses on their tax returns:
• Interest on loans
• Bank charges on loans
• Borrowing costs, including legal costs and mortgage fees
• Stamp duty
• Land tax
• Body corporate fees
• Council rates
• Water rates
• Cleaning costs
• Insurance costs
• Pest control
• Property management fees
• Repairs and maintenance
• Telephone, postage and stationery
• Travelling expenses related to visiting an investment property
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Property investor claimable tax return expenses 

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With property values climbing in Sydney and Perth, coupled with competition for stock intensifying in these cities and Melbourne, buyers may start to look at more affordable alternatives and focus their attention on markets such as Brisbane and Adelaide.
It will be interesting to see if this starts to happen over the coming months.
While median prices are not a preferred measure for capital growth or losses, the method is a good way to assess other aspects of the housing market such as affordability and what price points homes are currently selling for.
Around the cities, Sydney is currently, and has maintained its position as the city to hold the highest median selling prices for homes.
<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/stories/2013/08/kusher-aug-22-sydney.jpg" alt="kusher-aug-22-sydney" width="470" height="201">
Based on July 2013 data, in Sydney the combined house and unit median price was $570,000 which is 16% higher than the median selling price in Melbourne ($492,000), 33% higher than Brisbane ($429,000), 49% higher than Adelaide ($382,000), 15% higher than Perth ($494,600), 87% higher than Hobart ($305,000), 16% higher than Darwin ($490,000) and 14% higher than Canberra ($500,000).
In relation to other capital cities such as Melbourne, the price differential in Sydney has recently started to narrow. While there was little change over the past year compared to Perth, the gap in pricing between Brisbane and Adelaide has become more significant. Between Sydney and Brisbane the price gap is currently at its greatest level since June 2006, while for Adelaide it is at its widest since the middle of 2007.
Over time, the differential in pricing between Sydney and the other major capital cities has compressed. The gap is unlikely to revert to these previous highs.
<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/stories/2013/08/kusher-aug-22-melbourne.jpg" alt="kusher-aug-22-melbourne" width="470" height="205">
Starting with Melbourne, Sydney’s median price is 15.9% higher than across the city of Melbourne and Perth’s median price is 0.5% higher. The gap in pricing between Melbourne and Sydney is at its narrowest level since February 2012.
<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/stories/2013/08/kusher-aug-22-perth.jpg" alt="kusher-aug-22-perth" width="470" height="207">
For Perth, the gap is at its lowest level since January 2012.
<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/stories/2013/08/kusher-aug-22-brisbane.jpg" alt="kusher-aug-22-brisbane" width="470" height="205">
Brisbane’s median price is 12.8% lower than that of Melbourne which is the widest gap since August 2003.
<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/stories/2013/08/kusher-aug-22-adelaide.jpg" alt="kusher-aug-22-adelaide" width="470" height="200">
Adelaide’s median price is -22.4% lower, the largest gap since December 2010. Compared with Brisbane, home prices are higher in Sydney (32.9%),Melbourne (14.9%) and Perth (15.3%). The gap in pricing relative to Perth is 15.3% and has been relatively stable over the past year. Adelaide’s median price is -11.0% lower than those in Brisbane and the gap has been quite stable since early 2012.
The last time Adelaide home prices were higher than in any other major capital city was in November 2004 when the median house price was -0.4% lower.
There is a significant price gap between Adelaide and Sydney, Melbourne and Brisbane prices. Perth’s median price is 29.5% higher than that in Adelaide and the gap has decreased over recent months.
Based on these results, there is a significant gap in pricing between Sydney and other capital cities. Melbourne and Perth prices are relatively similar with a large step down in median price to Brisbane and then a further large gap to Adelaide prices.
With home values rising at a faster pace in Sydney, Melbourne and Perth than in Brisbane and Adelaide, we expect that gaps in selling prices will increase over the coming months which may then see a shift in focus to the more affordable markets of Brisbane and Adelaide.
Note: The median house prices across the capital cities are calculated based over a rolling three month period of sales.
 
<hr>
 Cameron Kusher is senior research analyst at <a href="https://www.myrp.com.au/" target="_blank" rel="nofollow">RP Data</a>.
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 Are Brisbane and Adelaide ripe to pick up an investment opportunity? Cameron Kusher

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Last week we wrote a positive piece suggesting the probable direction of the Australian residential housing market in the next period of time.

Just as there are <a target="_blank" href="https://www.google.com.au/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;source=web&amp;cd=1&amp;cad=rja&amp;ved=0CCwQFjAA&amp;url=http%3A%2F%2Fwww.propertyobserver.com.au%2Ftrends%2Fseven-reasons-why-prices-might-rise-25-in-select-australian-east-coast-cities-over-next-three-years-michael-matusik%2F2013081464226&amp;ei=J1sUUpCBO5GuiQf4jIDYBg&amp;usg=AFQjCNE75qbMSDX8CT63aC-_0EmBbiLUuw&amp;bvm=bv.50952593,d.aGc">positives behind the market’s likely upward momentum</a>, there are also negative influences applying a brake.
The market – outside of Sydney – is very much stop-start.  It is currently, for mine, best summed up as “two steps forward, one step back”.
So, what are some of these brakes?  They include:
<ol>
<li>
Low overall confidence.
</li>
<li>
Poor governance.
</li>
<li>
Low employment growth.
</li>
<li>
Slow wages growth.
</li>
</ol>
The first two are intensely connected.  Yet a federal election done and dusted doesn’t mean that we all will become cock-a-hoop on the 8th September – although beating the Springboks on the 7th might help. 
But there is little doubt in this writer’s mind that a change of government will help. A majority government would do wonders, but a sympathetic Labor opposition leader would go a long way to reversing some of the overzealous policies of recent years.  Listen up Bill! But we are in for a tough haul regardless of outcome, so steel yourselves for some hard terrain ahead.
The latest figures from the Australian statistician suggest that 123,000 new jobs were created across Australia since July last year.  One in three new jobs was full-time.
This is not enough, if you ask me.  More full-time jobs need to be created.  Until this happens, more interest rate cuts are on the agenda.
We also might be seeing a baton change with regard to where jobs are actually being created.  <a target="_blank" href="https://www.propertyobserver.com.au/trends/employment-statistics-are-an-important-indicator-for-residential-property-michael-matusik/2013070362958">As discussed a few weeks back,</a> this is important when it comes to residential demand and market momentum.
New South Wales is still the king pin – with 64,000 new jobs.  Victoria created 24,000 new jobs, too.  But Western Australia is slipping – and with a third of its economic output directly connected to mining, one should expect as much – with 19,000 new jobs.  True, this isn’t a figure to be sneezed at, but it is less than it once was – much less, in fact.
South Australia and Tasmania are still losing work.  Canberra and the Northern Territory are treading water.
And that leaves Queensland.  Maybe it is a flash in the pan, maybe the stars aligned against Rudd &amp; Beattie a few weeks back, but the latest seasonally adjusted labour force figures from the ABS (which are typed out in some crusty old font I might add, just to help exemplify their officialdom), show that 26,000 new jobs were created in the Sunshine State over the last 12 months. 
And here is the truly amazing part: half of them (okay 46% – I get carried away sometimes) were full-time.
“Go Newman!” one might exclaim.  Or was it an anomaly? But staring at page 10 of ABS publication 6202.0 shows me that more jobs – especially full-time ones – have been added every month in Queensland since March this year.
So, maybe things are going to slow down out west, up north, in Canberra and across the Great Australian Bight? 
Maybe they will get hotter in NSW, Victoria and Queensland?
And before I move on, under 10% of Queensland’s economy is about mining.
Wages, too, are growing too slowly.  In fact, they are increasing by just 3% per annum.  Petrol prices seem to go up by that much on a daily basis.
You have to remember back to when you wore short pants or a pleated skirt to recall such a measly increase in the average pay packet.  Well, at least you would have to think back to 2000.  It was a long time ago.
Again, this means the RBA should maintain its easing bias.
It is also clear that the Australian economy has changed.  Whilst rate cuts are welcome, something much more is needed to correct the health of the domestic economic landscape.  
Did you know that eight out of 10 Australian households (that have a taxable income) do not – I repeat, do not – own an investment property?
Furthermore, just one in every seven Australian households owns just a single residential investment property.  Just 480,000 households own two rental properties (5%), with 162,000 or a paltry 2% of Australian households owning three or more investment homes.
This is a roundabout way of saying that very few people actually buy investment housing in Australia and even less buy more than one.
But if you go online and read the comments section of almost any investment property-related blog or website, one would think that everyone in Australia owns an investment property.  In fact, some leaving their replies have such strong opinions that they must own a great many of them, so deep are their convictions.  Or that’s what they would have us believe.
I am against censorship – I believe we have the right to think what we want, and within reason, share it with others – but for mine, unless you supply your full name on a blog or website reply, it isn’t worth reading.  Sadly, too few apply this benchmark.  And far too many are influenced by what they read.  And much of what they read is absolute bunkum.
Remember – empty vessels make the most noise.
 
<hr>
 Michael Matusik is the founder of <a href="https://www.matusik.com.au/" rel="nofollow" target="_blank" style="font-size: 14px;">Matusik Property Insights</a>, which has helped over 550 new residential projects come to fruition.  
Read <a href="https://www.matusikmissive.com.au/" rel="nofollow" target="_blank" style="font-size: 14px;">Michael’s Blog</a> or follow him on <a href="https://www.facebook.com/ThinkMatusik?fref=ts" rel="nofollow" target="_blank" style="font-size: 14px;">Facebook</a> and <a href="https://www.twitter.com/michaelmatusik" rel="nofollow" target="_blank" style="font-size: 14px;">Twitter</a>, or connect via <a href="https://www.linkedin.com/in/michaelmatusik" rel="nofollow">LinkedIn</a>.
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Depsite positive property outlook, there are still breaks on the economy: Michael Matusik

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The first thing a property investor needs is a strategy. Without one, everything an investor does is likely to fail, fizzle or fall flat. 
   The impression I get from my contact with consumers, and from the buying behaviour I observe in the market, is that few people have any kind of plan.   The approach employed by most real estate consumers is “me too”.   In one of many frenzied articles coming out of Sydney lately was the comment of one consumer who was getting into the market because he was afraid that if he didn’t do it now he would never be able to.   Those were the thoughts of someone without the first clue about what is going on in real estate – and without anything resembling a strategy.   He probably read something like Australian Property Monitors senior economist <a href="https://www.google.com.au/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;source=web&amp;cd=1&amp;cad=rja&amp;ved=0CCwQFjAA&amp;url=http%3A%2F%2Fwww.propertyobserver.com.au%2Fresidential%2Freal-prospect-sydney-s-median-house-price-will-exceed-%24700000-during-spring-selling-season-apm-s-dr-andrew-wilson%2F2013081163656&amp;ei=LZoNUpU2pp6IB9f4gEA&amp;usg=AFQjCNEyOfszSFGXyEx5DILph8OXkn4coQ&amp;bvm=bv.50768961,d.aGc" target="_blank">Andew Willson predicting Sydney’s median house price will top $700,000 by year’s end</a>. Or a journalist writing in The Sunday Telegraph that Sydney was “on the verge of a huge spring property surge”.   Or Robert Gottliebsen (not a property expert but that’s never stopped anyone pontificating on real estate) predicting the <a target="_blank" href="https://www.propertyobserver.com.au/news/robert-gottliebsen-forecasts-mother-of-all-dwelling-booms-driven-by-property-investors/2013081864307">“mother of all dwelling booms”.</a> Or Saul Eslake (an economist who is also not a property expert and who has a poor track record on predicting anything) <a target="_blank" href="https://www.propertyobserver.com.au/news/property-boom-to-be-led-by-investors-saul-eslake/2013081864311">tipping an investor-driven property recovery.</a> Or Charlie Aitken of Bell Potters Securities (also, obviously, not a property specialist) forecasting a “genuine residential property boom”.   As I wrote earlier this week, most of this frothing-at-the-mouth rhetoric is coming out of Sydney, which appears to be having its first real growth phase since 2004, and mostly from people who are not real estate specialists.   We have seen similar behaviour from property buyers in Perth this year. People have been piling into the market with no game plan other than “we’d better act fast because everyone else is”.   This is the herd mentality, the thing that drives most behaviour in real estate, running on overdrive.   People with a plan and a healthy research habit would have bought in Perth late in 2012 or early in 2013, before the stampede started.   If you’re interested in real estate, you have to do better than the “me too” people. If you’re serious about buying, for any reason, you need to be informed. And, above all else, you need a plan – one tailored to your end game.   It starts with a clear objective. Next comes the strategy to achieve the goal. Then should follow a process of research (which means more than absorbing media headlines) to become informed about markets and to aid decisions on what, where and when to buy.   I would guess than maybe 1% of the people out there in the market have done anything like that.   The rest will buy in a frenzy and sell in a panic – and wonder why real estate investment hasn’t made them rich.
<hr>
Terry Ryder is the founder of <a rel="nofollow" href="https://www.hotspotting.com.au/" target="_blank">hotspotting.com.au</a> and you can contact him at <a href="https://mailto:ryder@hotspotting.com.au">ryder@hotspotting.com.au</a> or <a href="https://twitter.com/hotspotting" target="_blank">twitter.com/hotspotting</a>.
CORRECTION: This article has been updated since initial publication due to an error in an previous article by a Property Observer staff member. This prior article referred to Saul Eslake tipping a property "boom" compared to his actual comments tipping a property "recovery".
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