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A market that gives buyers more negotiating power can still produce a poor purchase. Especially when buyers confuse winning the property with buying it well.

For many Australians, saving a traditional 20% deposit has become one of the greatest barriers to home ownership. The Australian Government’s 5% Deposit Scheme can provide eligible first-home buyers with an opportunity to purchase sooner and avoid Lenders Mortgage Insurance. The expanded scheme has no income caps, unlimited places and can be used to purchase an eligible house, townhouse or apartment, subject to the scheme requirements and applicable property price caps. For t

Victoria's latest property reform might be one of the biggest examples of fixing something that wasn't broken.

Apparently, all the doom and gloom forgot to check the actual data. If you have followed the recent headlines, you could be forgiven for thinking Melbourne had packed up its coffee machine, cancelled the footy and quietly closed for business. Government announcements, changing property policies, higher costs and relentless negative commentary have painted a fairly gloomy picture of Victoria. There is just one small problem. Melbourne has officially been ranked the third most

Over the past several years, Melbourne has been the underperformer amongst Australia's major capital cities. Whilst Brisbane, Adelaide and Perth experienced extraordinary growth following the pandemic, Melbourne has faced a combination of higher interest rates, increased land taxes, investor uncertainty and softer buyer sentiment. The question many investors are now asking is simple: Has Melbourne reached the bottom of the property cycle? The reality is that nobody can identi

The smartest investors don't follow the crowd. They follow the fundamentals. Since the Federal Budget announcement proposing changes to negative gearing and capital gains tax, there has been no shortage of headlines predicting the end of property investing as we know it. At The Property Effect, we see it differently. Property investing isn't dead in Victoria. In fact, for strategic investors, this may be one of the most significant opportunities we've seen in years. The key i