Australia in Australian property

Help to Buy Recorded 7,261 Active Applications by June 2026

A new Treasury-published review records 7,261 active Help to Buy applications and 4,808 approvals by 30 June 2026. See what each figure means and what it cannot show.

RBA Analysis Tracks Dwelling Rents as a Persistent Inflation Input

New RBA Bulletin analysis shows dwelling rents made a sustained contribution to a broad measure of household price growth from late 2022 to early 2026. See how the measure differs from CPI.

Residential Building Work Rose 1.7% in the June Quarter

ABS preliminary data show residential building work rose 1.7% to $27.9 billion in the June quarter 2026. See how work done differs from approvals, starts and costs.

Home Loan Application Declined? A Practical Next-Step Checklist

A calm Australian checklist for asking why a home-loan application was declined, checking credit reports, correcting errors and reviewing figures before applying again.

Rentvesting Costs in Australia: Build a Cash Flow Budget

A practical way to compare the rent you pay with an investment property shortfall, including vacancy, annual costs, interest and a worked Australian example.

July Inflation Eased to 3.5%, but Housing Costs Rose 5.0%

Australian annual inflation eased to 3.5% in July 2026 while the ABS housing group rose 5.0%. See the rent, new dwelling and utility detail and what it cannot tell one household.

Young Private Renters Aged 23 to 24 Spent 47% of Income on Rent

New AIFS research found private renters aged 23 to 24 spent 47% of gross income on rent on average in 2023-24. See the sample, method and limits.

August RBA Minutes Show Why the Board Held at 4.35%

The August RBA minutes show the Board considered a 25 basis point increase before unanimously holding at 4.35%. See the mortgage, housing and next-meeting context.

Council Projects Housing Accord Target for Late 2030

The National Housing Supply and Affordability Council now projects the 1.2 million-home Accord target will be reached in the December quarter 2030. See the state progress and data limits.

How Long Does It Take to Build a House in Australia?

A practical Australian house-build timeline from preconstruction to handover, with common delay causes and a worked example of rent and build-stage interest costs.

100 Residential Projects Clear National Environmental Approval

The Australian Government says 100 residential projects covering more than 80,000 proposed homes have received EPBC approval. See what that approval does and does not mean for housing supply.

Investment Property Expenses Checklist Australia

Collect the recurring costs needed for a realistic Australian rental yield and pre-tax cash-flow estimate, including vacancy, rates, insurance, strata, management, maintenance, land tax and loan interest.

Australia’s Unemployment Rate Rose to 4.5% in July 2026

Australia’s unemployment rate rose to 4.5% in July 2026 as employment and participation fell. See the ABS figures and what they do not show about a home loan application.

Home Loan Application Documents Checklist Australia

Prepare the identity, income, expense, debt, savings and property documents an Australian lender may request, with separate notes for employees and self-employed applicants.

Australian Wage Growth Held at 3.2% in the June Quarter 2026

Australian wages rose 0.8% in the June quarter and 3.2% over the year. See the ABS figures and what they can and cannot show home loan users.

Wage Price Index vs Average Weekly Earnings in Australia

A practical comparison of the ABS Wage Price Index and Average Weekly Earnings, including why neither is a personal salary or home loan benchmark.

Homebuyer Sentiment Rebounds After RBA Hold, but Price Expectations Fall

Australian home-buying sentiment improved in August 2026 after the RBA's hold, while house-price expectations fell to a three-year low.

Preliminary Capital-City Auction Clearance Rate Reached 56.5%

Cotality reported a 56.5% preliminary weighted clearance rate across the capital cities for the week ending 16 August 2026, based on 949 known results.

Can LMI Be Added to a Home Loan? Capitalised LMI Explained

LMI can sometimes be added to an Australian home loan, but it increases the loan, repayments and effective LVR. See a worked example and the limits to check.

RBA Says Scheduled Mortgage Payments Are Near Their 2024 Peak

The RBA says scheduled mortgage payments are close to their 2024 peak as a share of household income, while new housing lending and auction conditions have softened.

What Income Do Lenders Count for a Home Loan in Australia?

See how Australian lenders may verify and adjust salary, overtime, bonuses, commissions, rent, self-employed income, pensions and other income for a home-loan assessment.

Australian Full-Time Adult Weekly Earnings Rose 3.7% to $2,083.70

ABS average weekly ordinary time earnings for full-time adults reached $2,083.70 in May 2026. See what the figure measures and why it is not a borrowing-power benchmark.

Australian New Home Loan Commitments Fell 5.4% in the June Quarter

ABS data show the number of new dwelling loan commitments fell 5.4% in the June quarter 2026. See the owner-occupier, investor and first home buyer results.

Australia's Capital-City Property Listings Reach a Seven-Year High

Domain says total property listings across the combined capitals reached a seven-year high in July 2026. See what changed, the auction context and the limits of the data.

2026 Census Housing Data: What Happens After Census Night

Australia held the 2026 Census on 11 August. See when housing, mortgage, rent and tenure data is planned for release, and what the figures will not show.

RBA August 2026 Inflation Forecast: What the Outlook Says

The RBA expects headline and underlying inflation to ease to 2.4% by mid-2028. See the August forecast, housing context and limits for mortgage planning.

RBA Holds Cash Rate at 4.35% in August 2026

The RBA held the cash rate at 4.35% on 11 August 2026. See what the decision means for mortgage repayment estimates, borrowing checks and the next meeting.

ASIC Finds Banks Paid More Than $55 Million for Offset Failures

ASIC says eight reviewed banks paid more than $55 million in compensation for mortgage offset failures. See what went wrong, what customers can check and what the figures do not prove.

Australian Home Values Fell 0.7% in July 2026

Cotality says its national Home Value Index fell 0.7% in July 2026 as declines widened beyond Sydney and Melbourne. See the city results and index limits.

RBA May 2026 Mortgage Rates: New Owner-Occupier P&I Reached 6.15%

RBA data now show new owner-occupier principal-and-interest housing loans averaged 6.15% in May 2026, up from 5.92% in April. See the investor rates, repayment example and data limits.

Mortgage Interest Charges Rose 8.2% in the June Quarter, ABS Says

ABS living-cost data show mortgage interest charges rose 8.2% in the June quarter and employee-household living costs rose 1.5%. See what the figures measure and why they are not a personal repayment estimate.

Australian Household Spending Rose 0.8% in June 2026

ABS household spending rose 0.8% in June and 6.0% over the year. See the category drivers, quarterly volume result and important housing-cost exclusions.

2026 Census Housing Questions: Mortgage, Rent and Tenure

The 2026 Census is on 11 August. See which housing payments and tenure details are collected, what is excluded and when the first housing data is planned for release.

Australian Housing Credit Grew 7.5% Over the Year to June 2026

RBA data show housing credit grew 0.6% in June and 7.5% over the year. See what outstanding housing credit measures and how it differs from new home lending.

Home Loans

How Home Loan Interest Is Calculated Daily in Australia

See the daily home loan interest formula, a worked mortgage and offset example, why interest is usually charged monthly, and why lender statements can differ.

Australian House Construction Prices Rose 2.0% in June Quarter 2026

ABS data show house construction output prices rose 2.0% in the June quarter and 5.9% over the year. See input costs, state results and the limits of the index.

Construction Cost Index Australia: Which ABS Measure Should You Use?

A practical guide to Australian construction cost indexes, including house inputs, builder output prices and CPI new dwellings, with worked index examples and limits.

Australian Dwelling Approvals Rose 7.2% in June 2026

ABS data show Australian dwelling approvals rose to 18,328 in June 2026, led by multi-unit approvals. See the national, dwelling-type and state results and their limits.

Australia CPI June 2026: Housing Costs Rose 6.8% Over the Year

Australian CPI rose 3.8% over the year to June 2026 while the Housing group rose 6.8%. See the rent, new dwelling and electricity figures and what they do not tell you about a mortgage.

Productivity Commission Housing Supply Report 2026: What It Says and What Has Not Changed

The Productivity Commission has released draft findings on planning, approvals and housing infrastructure. See the proposals, consultation dates and why no current calculator rule has changed.

June Jobs Data: What 4.4% Unemployment Does and Does Not Say About Home Loans

Australia’s unemployment rate held at 4.4% in June 2026. See the employment, participation and underemployment figures, plus the limits of using national data in a home loan estimate.

Building and Pest Inspection Checklist Australia: Timing, Scope and Report Limits

A practical Australian checklist for ordering building and timber-pest reports, checking scope and exclusions, timing inspections before auction or contract deadlines, and budgeting from current quotes.

Provisional Sums in Building Contracts: A Cost Check Before You Sign

A provisional sum is an estimated allowance for building work that cannot be priced exactly at contract signing. Learn how to compare the variable part of Australian building quotes.

ASIC Mortgage Broker Review 2026: What Borrowers Can Check Now

ASIC is reviewing mortgage broker compliance with the best interests duty. The findings are not out yet. See what borrowers can ask and compare now.

Land Tax vs Council Rates in Australia: What Each Bill Means

Council rates and land tax are separate annual property charges. Compare who issues them, valuation bases, exemptions and what to enter in a calculator.

RBA Housing Lending Rates: April 2026 Data Released in July

The RBA's latest lender-rate release shows new owner-occupier principal-and-interest housing loans averaged 5.92% in April 2026, compared with 6.09% for new investor principal-and-interest loans.

South Australia Land Tax Thresholds Changed for 2026-27

RevenueSA has published the South Australian land tax thresholds effective from 1 July 2026. The thresholds changed while the marginal rates stayed the same.

Australian Household Wealth Rose 1.2% as Property Values Increased in March Quarter 2026

ABS data show Australian household wealth rose by $224.9 billion in the March quarter 2026, led by higher land and dwelling values while superannuation assets fell.

Australia Recorded 1.60 Million Overseas Arrivals in May 2026, but It Is Not Migration Data

ABS data recorded 1.60 million international arrivals and 1.69 million departures in May 2026. The figures count border crossings and should not be used as a housing-demand or net migration measure.

Australian Housing Costs Rose 6.5% in the Year to May 2026

ABS data shows the housing group rose 6.5% over the year to May 2026, with electricity, new dwellings and rents contributing to the increase.

Home Loan Refinancing Checklist Australia: Costs, Documents and Steps

A practical Australian refinancing checklist covering switching costs, loan terms, lender documents, settlement and break-even testing.

SMSF Property Borrowing Changes from 10 August 2026

New SMSF limited recourse borrowing arrangements for real property will generally need to involve business real property from 10 August 2026.

How to Calculate Inflation and Purchasing Power in Australia

Use a constant-rate scenario to estimate a future equivalent cost, then learn when an ABS CPI index comparison is the better method.

Australian Dwelling Starts Fell 11.2% in the March Quarter 2026

ABS data shows seasonally adjusted dwelling commencements fell in the March quarter, while the less volatile trend series still rose.

Australian Dwelling Approvals Fell 1.1% in May 2026

ABS data shows total dwelling approvals fell in May 2026 as apartment and other multi-unit approvals declined, while private house approvals rose.

VIC Land Tax on $600k, $900k and $1.2m Site Value: 2026 Investor Examples

Victorian land tax examples for investment properties with $600k, $900k and $1.2m taxable site values, including trusts, absentee owners and cash-flow checks.

LMI at 90% LVR in Australia: 2026 Deposit, Premium and Repayment Guide

A practical guide to LMI at 90% LVR in Australia, including deposit examples, capitalised LMI, monthly repayment impact and when saving longer may be better.

Net Rental Yield Calculator Australia: Expenses Investors Forget in 2026

A practical guide to calculating net rental yield in Australia, including vacancy, management fees, strata, land tax, insurance, repairs and interest costs.

Stamp Duty by Property Price Australia 2026: $600k, $800k and $1m Buyer Guide

Compare stamp duty on $600k, $800k and $1m Australian property purchases by state, buyer type and first home buyer status, with calculator links.

Borrowing Power After Rate Rises: Australian Income Examples for 2026

How interest-rate rises and lender serviceability buffers reduce borrowing power, with practical Australian household examples and calculator links.

Simple Interest Examples Australia 2026: Formula, Loans and Savings Scenarios

Simple interest formula explained with Australian loan, savings and property-debt examples. Calculate interest using principal, rate and time.

4 min

VIC Land Tax Absentee Owner Surcharge 2026: Who Pays and How to Estimate It

Victorian absentee owner surcharge guide for property investors, including who can be caught, how the surcharge interacts with land tax and what to model before buying.

Help to Buy vs 5% Deposit Scheme: Which First Home Buyer Path Is Better in 2026?

A practical comparison of Help to Buy and the Australian Government 5% Deposit Scheme in 2026, including deposits, ownership, income caps, repayments, price caps and hidden trade-offs.

Does HECS or HELP Debt Affect Borrowing Power in 2026?

How HECS and HELP debt affects mortgage borrowing power in 2026, including the new marginal repayment system, the $67,000 threshold, lender serviceability and whether paying it off before buying can help.

Should You Fix Your Home Loan in 2026 After the RBA Rate Hikes?

A practical 2026 guide to fixed, variable and split home loans after the RBA rate hikes, including repayment certainty, offset access, break costs, refinancing and when each option may suit.

Victoria Land Tax for Investment Properties 2026: Owner Types, Trusts and Surcharges

A practical guide to Victorian land tax for investment properties in 2026, covering site value, trusts, absentee owner surcharge, examples and how to estimate your bill.

NSW Land Tax 2026: Investors, Thresholds, Premium Rates and Examples

NSW land tax guide for investors in 2026, including the frozen general and premium thresholds, 3-year average land value, trust rules and worked examples.

Land Tax for Trusts and Companies in Australia: State-by-State 2026 Guide

How land tax changes when Australian property is held in a trust or company, with 2026 examples for Victoria, NSW and Queensland.

How Much Is LMI in Australia in 2026? Deposit Examples by Property Price

A buyer-friendly guide to LMI in Australia in 2026, explaining why cost varies by lender, LVR and borrower profile, with examples by deposit size.

How to Avoid LMI Without a 20% Deposit

Practical ways Australian home buyers may avoid LMI without a 20% deposit, including government schemes, guarantor loans, professional waivers and lower-LVR strategies.

What Is a Good Rental Yield in Australia in 2026?

A practical guide to what counts as a good rental yield in Australia in 2026, including gross yield, net yield, risk, location and cash flow.

Australian Government 5% Deposit Scheme 2026: Eligibility, Price Caps and Real Costs

A practical 2026 guide to the Australian Government 5% Deposit Scheme: who qualifies, current price caps, how much deposit you need, LMI savings, stamp duty, repayments and the traps to check before you apply.

How Much Can I Borrow After the 2026 RBA Rate Hikes?

How the 2026 RBA rate hikes, APRA serviceability buffer and lender assessment rules affect Australian borrowing power, with worked examples by income and practical ways to protect a pre-approval.

Victoria Off-the-Plan Stamp Duty Concession 2026-27: Who Qualifies and What You Could Save

A buyer-friendly guide to Victoria's temporary off-the-plan stamp duty concession, including the 2026-27 Budget extension, eligible properties, how savings are calculated, worked examples and key risks.

4 min

CGT Reform from 1 July 2027: Why Simple Examples Can Mislead

Why post-2027 CGT estimates need acquisition timing, a 1 July 2027 transition value or apportionment, indexation and minimum-tax checks.

Negative Gearing and CGT Reform: What the 2026 Act Does

A corrected guide to the enacted 2026 negative gearing and CGT changes, including the different transition rules that apply to each measure.

RBA Hikes Cash Rate to 4.35% — Third Consecutive Rise as Inflation Re-Accelerates

The Reserve Bank lifted the cash rate by 25 basis points to 4.35% on 5 May 2026, the third hike of the year. Big Four banks have all confirmed full pass-through. What it means for repayments, the inflation backdrop, and what comes next.

First Home Super Saver Scheme 2026: Contributions, Release and Timing

A current guide to FHSS contribution limits, releasable amounts, ATO determinations, contract timing and associated-earnings limits.

EOFY 2026 Property Investor Tax Checklist: What to Do Before 30 June

The Australian financial year ends 30 June 2026. Four moves before then that actually reduce your 2025-26 tax, plus the traps that catch property investors every year.

Mortgage Stress in Australia (April 2026): 1.4 Million Households at Risk and What to Do About It

Roy Morgan forecasts 26.6% of Australian mortgage holders are at risk after the March rate rise. What the numbers mean, which states are hit hardest, and seven moves that actually help.

Sydney and Melbourne Auction Clearance Rates Crash to Post-Pandemic Lows: What It Means for Buyers and Sellers

Sydney's final auction clearance rate hit 48.8% at Easter — the weakest since April 2020. Melbourne, national data, the drivers behind the slump, and what it means if you're buying, selling, or refinancing in 2026.

Buy vs Rent in Australia (2026): Which Is Better?

Complete guide to the buy vs rent decision in Australia: true costs, opportunity cost of deposit, property growth assumptions, lifestyle factors, and when each option wins.

Property Depreciation Schedule Australia (2026): What You Can Claim

Complete guide to property depreciation in Australia: capital works (Div 43), plant and equipment (Div 40), quantity surveyor reports, and how to maximise deductions.

Cost of Buying a House in Australia (2026): Complete Breakdown

Complete guide to all costs of buying a house in Australia in 2026: stamp duty, legal fees, inspections, LMI, moving costs and more.

Negative Gearing Explained: How It Works in Australia (2026)

Complete guide to negative gearing in Australia: how it works, tax benefits, worked examples, pros and cons for property investors.

How to Compare Home Loans in Australia (2026)

Guide to comparing home loans in Australia: comparison rate, fixed vs variable, fees to watch, and how to find the best deal.

Property Investment Tax Deductions Australia (2026)

Complete guide to rental property tax deductions in Australia: what you can claim, depreciation, capital works, and common mistakes.

Capital Gains Tax on Property in Australia: Practical Guide

How Australian property CGT can involve cost base, capital losses, the discount or indexation method, main-residence rules and record keeping.

First Home Buyer Guide Australia: State Checks for 2026

A practical first home buyer checklist for Australia, with current state links and clear limits on grant, duty and borrowing estimates.

How to Calculate a Mortgage Buffer in Australia

Calculate months of mortgage and essential-expense cover using accessible cash, offset savings and confirmed redraw, with a worked Australian example and practical limitations.

Missed a Mortgage Repayment? What Happens Next in Australia

A practical Australian guide to mortgage arrears, hardship requests, lender response times, default notices, credit reporting and free support after a missed repayment.

What Does Australia's Time to Buy a Dwelling Index Mean?

A practical explanation of Australia's Time to Buy a Dwelling Index, how to read it and why it is not a property-price forecast or buying recommendation.

Mortgage Portability and Substitution of Security in Australia

Learn how a home-loan security swap may let an Australian borrower keep an existing loan when moving, including approval, settlement, equity, costs and fixed-rate limits.

Preliminary vs Final Auction Clearance Rates in Australia

Learn why preliminary auction clearance rates change, how reporting coverage affects the headline and how to compare Australian weekly results properly.

Mortgage Discharge Fees and Process in Australia

Understand lender discharge fees, land-title registration charges and the mortgage release process when selling, refinancing or paying off an Australian home loan.

How to Check Your Offset Account Is Linked and Working

Check whether your mortgage offset account exists, links to the intended loan and appears to reduce interest. Includes a simple statement check and escalation steps.

Pre-Settlement Inspection Checklist for Australian Property Buyers

A practical final inspection checklist for Australian property buyers: what to compare with the contract, what to test, how to record problems and what the inspection cannot resolve.

Home Loans

Home Loan Pre-Approval Expiry: What Australian Buyers Should Recheck

Home loan pre-approval commonly lasts three to six months, but it is conditional rather than final approval. See what can expire, what lenders may recheck and when to renew.

Construction Loans in Australia: Progress Payments and Drawdowns

Understand how construction loan drawdowns, progress payments and build-stage interest can work, with a practical Australian example and clear lender and contract limitations.

Home Loan Rate Change Checklist: What to Check on the Lender Notice

A practical checklist for checking a changed home loan rate, effective date, minimum repayment, direct debit, offset and remaining term against a lender notice.

Home Loans

Housing Credit vs New Home Loans: How to Read Australian Lending Data

A practical guide to the difference between RBA housing credit, ABS new loan commitments, refinancing, loan counts and home loan interest rates.

Building Approvals vs Commencements and Completions in Australia

A practical guide to Australian housing supply data: what building approvals, dwelling commencements, work under construction and completions each measure.

Does Australian CPI Include House Prices or Mortgage Interest?

Australian CPI includes rents and new owner-occupier dwelling construction excluding land, but not existing house prices or mortgage interest. See which measure fits each question.

Land Tax Assessment Dates by State: When Ownership Is Measured

See when each Australian state and territory measures land ownership for annual or quarterly land tax, and why settlement adjustments are a separate issue.

LMI Estimate Checklist: 8 Inputs to Check Before You Rely on a Premium

A practical checklist for checking an indicative lenders mortgage insurance estimate against the loan amount, lender valuation, LVR, property type, state duty and actual lender quote.

How to Calculate LVR for an Australian Home Loan

Calculate loan-to-value ratio from the loan amount and lender property value, with worked 80%, 90% and valuation-shortfall examples.

Weekly vs Fortnightly vs Monthly Mortgage Repayments

A practical guide to repayment frequency in Australia, including the difference between true fortnightly repayments and paying half the monthly amount every two weeks.

NSW Land Tax PPR Exemption: The 25% Ownership Rule

A practical guide to the NSW principal place of residence land tax exemption, including the 25% ownership rule, family limits and calculator limitations.

Holiday Homes and Land Tax: What Australian Owners Should Check

A practical Australian guide to when a holiday home, weekender or second property may affect land tax, vacant residential land tax and surcharge estimates.

Bank Valuation Shortfall and LMI: What Australian Buyers Should Check

A practical Australian buyer guide to how a low lender valuation can change LVR, trigger LMI and create a cash shortfall before settlement.

Joint Ownership and Land Tax: What Australian Property Owners Should Check

A practical Australian guide to how joint ownership can affect land tax estimates, including NSW, Victoria and Queensland examples and calculator limitations.

Vendor Bid at Auction: What Australian Buyers Should Know

A practical Australian buyer guide to vendor bids at property auctions, including what they mean, how they differ from genuine bids and what to check before raising your own bid.

What Happens When a Property Is Passed In at Auction?

A practical Australian buyer guide to passed-in auctions, highest-bidder negotiations, cooling-off risk and the numbers to check before making a post-auction offer.

Land Value vs Property Value for Land Tax: What to Enter in a Calculator

A practical Australian guide to the difference between land value, site value, capital improved value and market value when estimating land tax.

WA First Home Buyer Stamp Duty Changes 2026: What Buyers Should Check

Western Australia has announced higher first home buyer transfer duty thresholds for 2026-27. This guide explains what changed, what is still pending, and how buyers should model settlement cash.

Can You Get an LMI Refund in Australia?

A practical Australian guide to when an LMI refund may be possible after refinancing, selling or paying down a home loan, and what borrowers should check before switching lenders.

Do Apartments Pay Land Tax in Australia?

A practical Australian guide to when apartments, units and townhouses may attract land tax, including principal residence exemptions, strata land value and investor examples.

Auction Bidding Budget Checklist Australia

A practical Australian auction checklist for setting a maximum bid, allowing for stamp duty, loan limits, settlement costs and no-cooling-off risk before auction day.

Medicare Levy and Income Tax in Australia: Thresholds, Reductions and Calculator Limits

How the Medicare levy works with Australian income tax, including low-income reductions, family thresholds, exemptions and what salary calculators can and cannot estimate.

4 min

Do You Pay Land Tax on an Investment Apartment?

State-by-state guide to when an investment apartment can trigger land tax, including site value, aggregation and owner type.

5 min

LMI vs Higher Interest Rate: Which Costs More?

A practical comparison of paying LMI versus accepting a higher interest rate, including how to compare upfront premiums, monthly repayments and long-term interest.

5 min

Gross vs Net Rental Yield: Why Investors Get the Number Wrong

A clear guide to gross vs net rental yield for Australian property investors, with formulas, examples and the costs that often get missed.

5 min

Positive Cash Flow Property: How to Calculate It Before You Buy

How to calculate whether an Australian investment property is positive cash flow before buying, including rent, expenses, interest, land tax and vacancy.

3 min

Negative Gearing Reform and Housing: What Modelling Can Show

A cautious explanation of why modelled price and rent effects are scenarios rather than forecasts of the enacted 2026 tax reforms.

3 min

Property Tax Changes from 2027: Questions for Investors to Check

A non-prescriptive checklist for reviewing the enacted negative gearing and CGT changes with a registered tax adviser.

Australia's Housing Construction Gap: What the Accord Data Shows

Current National Housing Accord data on approvals, commencements and completions, why the stages differ and what the national figures cannot predict.

Downsizer Contributions: How Selling Your Home Can Boost Your Super

The downsizer contribution lets Australians aged 55+ put up to $300,000 from the sale of their home into superannuation. How it works, eligibility rules, and whether it makes sense for you.

Australia's Rental Vacancy Crisis: Why Finding a Rental Has Never Been Harder

Rental vacancy rates across Australia have hit historic lows. What is driving the crisis, which cities are worst affected, and what it means for tenants, landlords, and investors.

Regional Property Markets Outperforming Capital Cities in 2026

Why Australian regional property markets are outperforming capital cities in 2026: affordability, lifestyle migration, infrastructure investment, and what it means for buyers and investors.

Understanding Comparison Rates: Why the Advertised Rate Isn't the Full Story

What an Australian comparison rate is, how it is calculated, why it matters when comparing home loans, and its limitations. Use our Loan Comparison Calculator to compare the true cost of loans.

Off-the-Plan vs Established Property: Pros, Cons & Financial Comparison

Comparing off-the-plan and established property in Australia: stamp duty differences, depreciation advantages, settlement risks, and a financial breakdown to help you decide.

Property Settlement Process in Australia: Step-by-Step Guide

A complete guide to the property settlement process in Australia — what happens, who is involved, typical timelines, common delays, and costs to expect on settlement day.

Interest-Only vs Principal and Interest Home Loans

Compare how interest-only and principal-and-interest repayments work, including the later repayment step-up, total-interest trade-offs and tax limitations.

Body Corporate Fees Explained: What They Cover & How Much They Cost

Everything you need to know about body corporate (strata) fees in Australia — what they cover, how much they cost, factors that affect fees, and their impact on property investment returns.

Understanding Capital Gains Tax (CGT) on Australian Property

A complete guide to capital gains tax on property in Australia — when CGT applies, the 50% discount, main residence exemption, pre-1985 properties, and how to calculate your CGT liability.

Investment

Understanding Negative Gearing for Property Investors in Australia

A complete guide to negative gearing — how it works, the tax benefits, cash flow implications, ATO rules, and whether it makes sense for your investment property strategy.

Offset Account vs Redraw Facility: Key Differences Explained

Compare offset accounts and redraw facilities — how each works, the key differences, tax implications for investors, and which option suits your home loan strategy.

Conveyancing & Property Settlement in Australia: A Complete Guide

How property settlement works in Australia — what conveyancing involves, typical timelines, costs, key documents, and what to expect from exchange to settlement day.

Auction Bidding Strategy Guide: How to Buy Property at Auction in Australia

A practical guide to buying at auction in Australia — pre-auction research, registration, bidding tactics, vendor bids, reserve prices, cooling-off periods, and what happens after the hammer falls.

Property Depreciation for Tax: Division 40 & Division 43 Explained

How tax depreciation works for Australian investment property — Division 40 (plant & equipment), Division 43 (building allowance), depreciation schedules, and ATO rules for new and old properties.

Strata vs Freehold Property: Key Differences for Buyers

Compare strata and freehold property ownership in Australia — what each means, pros and cons, body corporate fees, insurance differences, restrictions, and which suits different buyers.

Best Home Loan Rates in Australia (April 2026): How to Find the Cheapest Mortgage

Compare the cheapest home loan rates in Australia as of April 2026. Big four bank rates, smaller lender deals, fixed vs variable, and how to get the best rate.

How the Middle East Conflict Is Affecting Australian Property Markets in 2026

The Middle East conflict is pushing up oil prices, inflation, and interest rates. What this means for Australian property prices, construction costs, and mortgage holders.

Australia's Housing Supply Crisis (2026): Why We're 380,000 Homes Short

Australia faces a projected 380,000 dwelling shortfall over the next five years. Why construction can't keep up with demand and what it means for prices and rents.

Auction Clearance Rates Australia 2026: What They Mean and Current Trends

Understanding auction clearance rates: how they work as a market indicator, current trends across Australian capitals, and what they mean for buyers and sellers.

How Record Migration Is Reshaping Australia's Housing Market in 2026

Australia's population grew by 423,600 in one year, reaching 27.7 million. How migration-driven demand is outpacing housing supply and what it means for prices and rents.

Your Fixed Rate Is Expiring in 2026: What to Do Before It Rolls Over

Billions in fixed-rate mortgages are rolling over in 2026. If your fixed rate is expiring, here is what to do to avoid the revert rate shock and potentially save thousands.

Housing Affordability in Australia (2026): Key Challenges & Solutions

The state of housing affordability in Australia: deposit barriers, income-to-price ratios, government assistance, and practical strategies for buyers.

Australian Rental Market 2026: Vacancy Rates, Trends & What It Means

The state of Australia's rental market: historically low vacancy rates, rising rents, and what it means for tenants and investors.

Stamp Duty Reform in Australia (2026): State-by-State Progress

The state of stamp duty reform across Australia: the ACT's ongoing abolition program, reform discussions in other states, and what it means for property buyers.

Investment Property Tax in Australia (2026): Negative Gearing, CGT & Depreciation

Current Australian tax rules for investment property: negative gearing, capital gains tax discount, depreciation deductions, and the ongoing policy debate.

First Home Buyer Programs Australia 2026: What to Verify

A current verification checklist for grants, duty relief, guarantee and shared-equity programs without assuming eligibility.

Help to Buy Scheme 2026: Current Thresholds, Lenders and Application Steps

A current guide to Australia's Help to Buy shared equity scheme, including 2026-27 income thresholds, participating lenders, application stages and important limits.

Australia's Two-Speed Property Market: Perth & Brisbane Lead While Sydney & Melbourne Stall

Australian property in 2026 is a tale of two markets: Perth and Brisbane surging with double-digit growth while Sydney and Melbourne face affordability constraints.

Calculators for Australia

17 free tools

Stamp Duty Calculator

Calculate stamp duty and government charges for property purchases across all Australian states and territories.

Rent-to-Income Ratio Calculator Australia

Estimate what share of gross household or individual income is used by rent, with annualised amounts and a clear explanation of the limits.

Property Value Change and LVR Calculator

Convert a percentage property-value change into an indicative dollar value, equity position and loan-to-value ratio scenario.

Interest-Only Repayment Step-Up Calculator

Estimate the monthly repayment before and after an interest-only period ends, using the balance, rates and remaining loan term entered.

Home Equity and LVR Calculator

Estimate total home equity, current loan-to-value ratio and equity above a chosen planning LVR using a property value and mortgage balance.

Auction Clearance Rate Calculator

Calculate a reported auction clearance rate, reporting coverage and the share of scheduled auctions sold from raw auction outcomes.

Land Tax Calculator

Estimate annual land tax based on land value and ownership, with state-specific thresholds and rates.

Property Purchase Cost Calculator

Estimate the total upfront costs of buying property in Australia, including stamp duty, government fees, legal costs, inspections, insurance, and moving expenses.

Loan Comparison Calculator

Compare two home loans side-by-side to find which saves you more over the life of the loan, including fees, interest, and total cost.

Negative Gearing Calculator

Model 2026-27 rental income, expenses, an indicative tax effect and after-tax holding cash flow. General information only, not a tax assessment.

Capital Gains Tax Calculator

Estimate a simplified taxable capital gain and indicative tax effect for Australian investment property. This is not a tax-return calculation.

CGT Reform Comparison Calculator

Compare the former 50% discount method with a simplified indexed-cost-base calculation for an asset acquired on or after 1 July 2027.

Buy vs Rent Calculator

Model a buying scenario against renting and investing the unused upfront cash. Compare estimated buyer equity with a modelled renter portfolio using your own assumptions.

Income Tax Calculator

Calculate your Australian salary after tax for 2025–26 or 2026–27. See income tax, Medicare levy, marginal HELP repayments, take-home pay, effective tax rate and a 12% super illustration.

Simple Gross & Net Rental Yield Calculator

Calculate gross and net rental yield on an Australian investment property. Enter purchase price, weekly rent, and annual expenses to see your yield instantly.

Deposit Savings Calculator

Calculate how long it will take to save for a house deposit in Australia. See your timeline, interest earned, and savings growth over time.

Inflation Calculator Australia

Model how a constant assumed annual inflation rate changes an amount over time. This is a scenario tool, not a historical CPI lookup.