Maria Micalef property predictions for 2025

🔮As we wrap up 2024, Maria takes out her crystal ball for predictions on the property market for the coming new year! 

Here’s a snapshot of some exciting growth predictions for Australian cities in 2025:

🌟 Darwin: Expected growth of 5–8%.

🌟 Adelaide: Affordable and thriving with a predicted 8–13% growth.

🌟 Brisbane: Riding the wave to the Olympics with 9–14% growth projected.

🌟 Perth: The shining star! Forecasted to grow by 14–19% after a stunning 24% increase this year.

📈These are just predictions, but they highlight trends that are worth exploring. Remember, diversification is key when it comes to property investment!🏠

Want a loan to help you buy a property ? Call me 

💬 Curious to learn how to find a property that aligns with your goals and have a chat with Maria? Comment below - dm me and I will refer you on with #referron

#PropertyInvestment #RealEstate2025 #AustraliaProperty #InvestSmart #PropertyDiva #PropertyInvestmentStore

Unit prices increasing as single homes are out of rice range

Thanks to Evan Thornley of Longview Investments - sharing  an article by  Kate Halfpenny in the age today shows corelogic research that Unit values are climbing in a string of Melbourne suburbs, bucking the trend of an overall sluggish market. Units are an option where single dwellings are being priced out for most 

Ryan Currie, of Nelson Alexander in Flemington says the ideal unit to look for -  good-sized rooms, 13 units in an older block, no high body corp fees or major future works - rather than high-rise developments

While a renovated single-front home in Kensington will set you back upwards of $1.1 million, Currie said: “You would be able to get an older style unit for under $600,000 – potentially under $550,000.”

Be careful of the following pitfalls :- 

• buying off the plan - do your research on the builder and project managers  
• Look at owners’ corporation fees and expenses.

If you are looking to invest or purchase a property , we at #bsifinance would be delighted to help you find the right loan or mortgage for you!

#propertyinvestment #propertyinvestors #propertyprices #REIT #AREIT #houseprices #mortgages 

https://www.theage.com.au/property/news/melbourne-suburbs-where-priced-out-home-buyers-found-the-next-best-thing-20241213-p5kybn.html

Housing values soar and more and more people are being priced out of the market - but there may be an option - help to buy programme

Data released on Tuesday by the Australian Bureau of Statistics showed the total value of the nation’s dwellings increased to a record $11.1 trillion to the end of September and house values have jumped by $3.8 trillion, or 52 per cent, since mid-2020.

And yet homeownership rates have fallen - with 20pc of people saying they cannot see themselves ever buy a home !!

And rents are increasing because of lack of supply !!!

How can banks and lending policies change this paradigm?

• reduce threshold
• 1st 40k of super to buy a home
• Help to buy scheme

The case for a housing fund and the government partnering with first home buyers to buy their first home 

Home ownership fosters stability, security and individual aspiration,”

So what business on property industry benefits from capital growth ?

• Banks ? Nope. Makes no difference to the bank if you house doubles in value or goes up 5%. 
• Developers ? Nope, they buy, build and flip. 
• Real estate agents and portals ? Nope - transaction fees on prices not exposure to wealth thru growth.

A Housing Fund - yes - they make their returns from capital growth…… partnering with home owners - whether thru shared equity for owner occupiership or dignified, secure rental. 

This is one of the many reasons why the government help to buy programme is genius and that every person who has the ability to partner with the government to buy a property should!! 

#propertyinvestor #propertyinvesting #houseprices #housingaffordability #housingcrisis

Source :- Evan Thornley https://www.linkedin.com/posts/evanthornley_the-newest-culture-war-battleground-australian-activity-7269813477970501633-3rq8?utm_source=share&utm_medium=member_ios

Sydney morning herald https://www.smh.com.au/politics/federal/the-newest-culture-war-battleground-australian-house-prices-20241203-p5kvbg.html

Crypto Escrow with Coinbase

In 2021, 11.6% of the first time homebuyers used crypto for their down payment. 

Our bet it that with this new service by Propy and Coinbase the portion of homebuyers using crypto to buy real estate will become standard practice.

Interesting post from Tim Draper 

We need to build tens of thousands of houses each year to solve the housing crisis

 

Housing Minister Clare O’Neil tells the ABC that the housing crisis in Australia has been a “generation in the making”.

To solve this crisis, the government have been looking to pass into legislation a number of programmes.

The standout programme is The Help to buy Scheme

The Help to Buy Scheme to act as the Bank of Mum and Dad and partner with 40,000 first home buyers who are key workers - teachers, train drivers, nurses. 

This is an amazing programme where the government will partner with Key Workers to buy their first home. 

It's a WIN WIN WIN .... The Labour Government supports this, so why doesn't the greens or the libs. This is one programme that should be bipartisan!! 

It does not even have to be treated as an expense, as the government will recover this money, as they will be co-investing in Bricks and Mortar!! 

Let's make this happen!!!!! 

Housing crisis in Australia a ‘generation in the making’ (msn.com)

10X : Help to Buy Scheme for frontline and essential workers - A Free Service (10xevents.blogspot.com)

July 24 - investment Property Purchases are at near record levels - why?

According to the latest data from the Australian Bureau of Statistics. Property investor borrowing is close to record levels

January 2022 - $11.762 billion

January 2023 - $7.849 billion

July 2024 - $11.708 billion

That's an increase of 49.2%.

Why are so many investors entering the market? rising prices?

rising rents?

an expectation that interest rates might fall in early 2025?

a combination of the 3 

Would you like to invest in a property 

This year ?

In next 3 years?

Never ? 

Give the team at bsifinance a call !!

Www.bsifinance.com.au

#property #realestate #homeloans #distinctfinancial #mortgagebroker #mortgages

Anna Porter from Sunrise shares 7 amazing tips ro help you with your mortgage!!!

Now is a great time to speak to a broker and look at your mortgage!

Anna Porter from Sunrise shares 7 amazing tips ro help you with your mortgage!!!

1. Get a  better interest rate - refinance to another bank who may have a better deal

2 negotiate with your bank to pause payments for a while , while you get ahead 

3. Airbnb your place while staying at your family for awhile! 

4. Renting out a spare room 

5. Convert garage into spare room to rent out 

6. Share house with family and friends 

7. Try pay an extra $100 dollars a week on your home loan and save $100s of thousands of dollars 

Sit down with a financial planner to help you plan out your retirement