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Australia's residential real estate market reaches $11.5 trillion in value, making up 55.9% of household wealth with national home values growing 1.5% over the past quarter and 3.4% over the financial year. We analyse the July 2025 Cotality (formerly CoreLogic) housing data to give you a comprehensive view of what's happening across Australia's diverse property markets.

• Brisbane, Adelaide and Perth form the "Power Trio" with 7-8% annual growth and all at record highs
• Darwin hits an all-time high after 11 years with 4.9% quarterly growth and 44% increase in sales volumes
• Sydney shows modest growth (1.3% annually) while Melbourne remains 3.9% below its 2022 peak
• New listings down 11.7% year-on-year, creating tight supply conditions across most markets
• National rent growth cooling to 3.4% annually with gross yields holding steady at 3.7%
• Dwelling approvals up 3.2% but still 24% below national housing targets
• First-home buyer share dropping to 29% of owner-occupied lending, lowest since late 2022
• Only 44.8% of suburbs at record highs, creating opportunities for value investors

If you're an investor or buyer looking to capitalise on this market, connect with us at FirstBrick. Don't forget to subscribe, leave a review, and share this episode with someone who needs to stay ahead in property.

The Property Calculator Australia App is the must have app for anyone buying property in Australia. PCAU helps you calculate Stamp Duty, Loan Repayments, and upfront costs in seconds.
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Emma Brown Garrett, property auctioneer with over 20 years of experience in the industry, shares her journey from Bollywood acting to becoming one of Sydney's most respected auctioneers. She reveals insider knowledge about auction psychology, bidding strategies, and how to approach property auctions with confidence.

• Emma started her career in Bollywood films while maintaining her real estate license, using performance skills in her auctioneering
• The best auction strategy is starting with a strong opening bid and maintaining momentum rather than waiting until the end
• Around 60-70% of people who make the opening bid end up purchasing the property
• Auctioneers can read buyers' body language to determine if they have more money to give
• Having a buyer's agent represent you at auction provides strategic advantage and removes emotional pressure
• Waiting for an auctioneer to call "on the market" is an outdated strategy that often backfires
• The biggest mistake buyers make is not having a clear strategy before attending auction
• Showing up looking professional and confident can influence other bidders' perception
• Emotional bidding beyond budget limits is common and can lead to buyer's remorse
• During COVID, online auctions saw surprisingly high registration numbers and some unusual bidding behaviour

If you're looking to buy at auction or want to improve your auction strategy, you can find Emma online at menkwhite.com.au or on Instagram as Emma Brown Garrett.

Connect with Emma Brown-Garrett:

• LinkedIn https://www.linkedin.com/in/menckwhite
• Instagram https://www.instagram.com/emma_brown_garrett
• Website https://www.menckwhite.com.au/

The Property Calculator Australia App is the must have app for anyone buying property in Australia. PCAU helps you calculate Stamp Duty, Loan Repayments, and upfront costs in seconds.
No Ads, No Guesswork - Just clean, powerful property math.

Download Property Calculator Australia now on the App Store or Google Play... And Start Crunching those numbers like a pro!

Send us a text

Jordan from Trinity Legal and Migration uncovers the hidden legal complexities in property contracts that can trap unwary buyers and cost them thousands.

• Special conditions in contracts often favor vendors with higher default interest rates and early deposit releases
• The 66W certificate in NSW removes cooling-off periods and protective clauses, creating significant risk for buyers
• Sunset clauses in off-the-plan purchases can be weaponized by developers to terminate contracts when property values increase
• Settlement periods carry different risks – too short creates financing pressure, too long exposes buyers to changing market conditions
• Trust and SMSF purchases involve complex structures requiring specialized legal knowledge
• Co-ownership arrangements need careful consideration as disputes commonly arise when one party wants to sell before the other
• Property deal collapses can sometimes be salvaged through price negotiations rather than termination
• Different ownership percentages between spouses can have significant tax implications
• Having responsive, proactive legal representation is essential as successful transactions often involve extensive behind-the-scenes work

Contact Jordan at jordan@trinitylegalmigration.com.au or visit trinitylegalmigration.com.au for help reviewing your property contracts.

The Property Calculator Australia App is the must have app for anyone buying property in Australia. PCAU helps you calculate Stamp Duty, Loan Repayments, and upfront costs in seconds.
No Ads, No Guesswork - Just clean, powerful property math.

Download Property Calculator Australia now on the App Store or Google Play... And Start Crunching those numbers like a pro!

Send us a text

Saimon Sami from Trinity Legal and Migration shares essential legal insights for property buyers, emphasizing that solicitors act as "personal bodyguards" through the property purchase journey.

• Solicitors provide comprehensive legal protection compared to conveyancers, who focus only on transfers
• Contract review is crucial for identifying risks like easements, covenants, and special conditions that could impact your purchase
• Every state has different legal requirements - cooling-off periods range from none in WA to five days in NSW
• Settlement processes have modernized from chaotic in-person check exchanges to streamlined 45-minute digital transfers on PEXA
• Building and pest clauses, finance conditions, and settlement dates are three critical contract elements buyers should carefully review
• Stamp duty and land tax regulations vary significantly between states, with Victoria currently having the highest rates
• Working with a coordinated team of professionals (solicitor, buyer's agent, mortgage broker) creates a smoother purchasing experience

We've turned on Fan Mail! Send us your questions, feedback, or comments through the link in our show notes - we'd love to hear from you and possibly address your questions in future episodes.

**
Edit - Land Tax Threshold in Victoria

As of the 2024–2025 financial year, the land tax threshold in Victoria (VIC) is:

✅ Land Tax Threshold (VIC – 2024–25):
Type Threshold General landowners | $50,000
Trusts (special trust rates) | $25,000

The Property Calculator Australia App is the must have app for anyone buying property in Australia. PCAU helps you calculate Stamp Duty, Loan Repayments, and upfront costs in seconds.
No Ads, No Guesswork - Just clean, powerful property math.

Download Property Calculator Australia now on the App Store or Google Play... And Start Crunching those numbers like a pro!

Send us a text

Financial advisor Kyrillos Ghaly (KG) explains how Self-Managed Super Funds work and their unique advantages for property investors. He breaks down the misconceptions, costs, and strategic benefits of SMSFs while highlighting their potential to dramatically increase your property portfolio.

• SMSFs allow investment in "exotic assets" like direct property ownership that retail super funds don't offer
• Setting up an SMSF typically costs over $2,000 with ongoing expenses for compliance, tax returns and financial advice
• Ideal candidates have at least $250,000-$500,000 in combined super balances
• Couples can combine their superannuation in an SMSF, making it more accessible for many Australians
• Properties in SMSFs must be genuine investments - you and family members cannot live in them
• SMSFs require specialized loans called Limited Recourse Borrowing Arrangements (LRBAs)
• Capital gains in an SMSF are taxed at just 10% after 12 months
• When you reach retirement and convert to pension mode, you pay 0% tax on everything
• Setting up requires SMSF-accredited professionals - either financial advisors or accountants
• Regular tax compliance is essential - non-compliant SMSFs face tax rates of 47%

If you'd like to learn more about setting up an SMSF or exploring whether it's right for you, visit Trinity Advice at trinityadvice.com.au or search for KG (Kyrillos Roman) or Joseph Meawad on LinkedIn.

This episode is also brought to you by Digital One Agency – experts in custom mobile app and website development. Ready to build something amazing? Visit www.d1a.com.au or call (02) 9057 9079. Mention this podcast to get a free consultation.

The Property Calculator Australia App is the must have app for anyone buying property in Australia. PCAU helps you calculate Stamp Duty, Loan Repayments, and upfront costs in seconds.
No Ads, No Guesswork - Just clean, powerful property math.

Download Property Calculator Australia now on the App Store or Google Play... And Start Crunching those numbers like a pro!

Send us a text

The Australian property market shows varied performance with national dwelling values rising 0.7% over the March quarter while annual growth softens to 3.4%. Brisbane, Adelaide, and Perth lead the pack with strong growth and record-high values, while Sydney and Melbourne show more modest improvements.

• National dwelling values up 0.7% for March quarter, returning to positive territory
• Houses now commanding a 31.5% premium over units
• Brisbane (8.6%), Adelaide (11%), and Perth (11.9%) showing strongest annual growth
• Properties taking longer to sell nationally, up to 40 days from 30 days last year
• Stock remains tight with total listings 11% below the five-year average
• Rental growth slowing to 3.8% year-on-year, the slowest pace in four years
• New NSW pet laws coming July 2025 making it harder for landlords to refuse pets
• Big four banks expecting a 25 basis points rate cut in May
• Investor lending up 22.6% year-on-year despite slight quarterly decline
• First home buyers make up 29.2% of owner-occupied lending, above decade average

If you found this helpful, please follow, rate, share, and tell your friends. We really want to get more people listening and getting educated. If you have specific topics you want us to cover or guests you'd like us to have on, let us know at hello@firstbrick.com.au.

This episode is proudly sponsored by Digital One Agency – your go-to team for custom website and mobile app development. Whether you're a startup with a fresh idea or an established brand ready to level up your tech, Digital One delivers world-class results you can count on.

Visit www.d1a.com.au or call us on (02) 9057 9079 to chat with the team today.

Website: www.d1a.com.au

Phone: (02) 9057 9079

This episode is brought to you by Digital One Agency – experts in custom mobile app and website development. Ready to build something amazing? Visit www.d1a.com.au or call (02) 9057 9079. Mention this podcast to get a free consultation.

The Property Calculator Australia App is the must have app for anyone buying property in Australia. PCAU helps you calculate Stamp Duty, Loan Repayments, and upfront costs in seconds.
No Ads, No Guesswork - Just clean, powerful property math.

Download Property Calculator Australia now on the App Store or Google Play... And Start Crunching those numbers like a pro!

Send us a text

The property market shows remarkable resilience despite interest rate increases from historic lows of 1.98% to current rates of 6.4% for owner-occupied and 7% for investment loans. Market sentiment is improving with the recent rate cut, creating both challenges and opportunities for prospective buyers.

• Interest rates have increased dramatically since COVID yet property markets remain strong
• Many markets including Adelaide, Brisbane, and Perth continue to show positive growth
• Fixed rates used to be lower than variable, but the situation has now reversed
• Best time to buy is "when you can" rather than waiting for perfect conditions
• Increased competition expected when the next rate cut occurs
• Self-Managed Super Funds (SMSFs) becoming increasingly popular for property investment
• Different ownership structures emerging including corporate trusts for asset protection
• Positive cash flow investments harder to find but still achievable with larger deposits
• Banks continue to offer numerous lending options despite tighter conditions
• Many borrowers unaware of their current position or available options

Contact Fadi Youssef - Powerloans - Mortgage Broker to understand your borrowing options and ensure you're getting the best possible interest rate on your existing loans.

The Property Calculator Australia App is the must have app for anyone buying property in Australia. PCAU helps you calculate Stamp Duty, Loan Repayments, and upfront costs in seconds.
No Ads, No Guesswork - Just clean, powerful property math.

Download Property Calculator Australia now on the App Store or Google Play... And Start Crunching those numbers like a pro!

Send us a text

Welcome back to another Property Newscast on The Property & Finance Show with your host Kyrillos Mansour (KM), founder of First Brick Property Buyers Agency.

In this episode, I unpack the latest insights from the CoreLogic March 2025 Housing Chart Pack, covering everything you need to know about Australia’s property market right now.

We dive into:
🏡 What’s happening nationally with property values
📉 Why Sydney and Melbourne are lagging behind
📈 The capital cities still hitting record highs
📊 Listing levels, vendor discounting & days on market
💸 Rental market trends & where yields are highest
🏦 The first RBA rate cut since 2020 – and how it impacts buyers, sellers & investors

Whether you're just starting out or scaling your portfolio, this is a must-listen market update to stay ahead of the curve.

🎙️ Hosted by Kyrillos Mansour (KM), founder of First Brick Property Buyers Agency
👉 Follow for weekly insights into property, finance, and building long-term wealth.

#PropertyNewscast #ThePropertyAndFinanceShow #FirstBrick #AustralianProperty #PropertyInvestment #MarketUpdate #RealEstatePodcast

The Property Calculator Australia App is the must have app for anyone buying property in Australia. PCAU helps you calculate Stamp Duty, Loan Repayments, and upfront costs in seconds.
No Ads, No Guesswork - Just clean, powerful property math.

Download Property Calculator Australia now on the App Store or Google Play... And Start Crunching those numbers like a pro!