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http://www.simplepropertylending.com.au/

Andrew Koulouris - Finance Broker - Simple Property Lending, Melbourne (2026)

06/09/2026

𝗥𝗶𝗴𝗵𝘁𝘀𝗶𝘇𝗲𝗿𝘀 𝗗𝗿𝗶𝘃𝗶𝗻𝗴 𝗕𝗼𝗼𝗺 𝗶𝗻 𝗣𝗿𝗲𝘀𝘁𝗶𝗴𝗲 𝗔𝗽𝗮𝗿𝘁𝗺𝗲𝗻𝘁 𝗠𝗮𝗿𝗸𝗲𝘁

Australians are increasingly moving from traditional family homes into luxury apartments, driving a boom in the prestige apartment market.

McGrath Research data reveals that the number of prestige apartments sold in 2025 has tripled over the past decade, signalling a sustained shift in buyer preferences toward high-end apartment living.

McGrath CEO John McGrath said the prestige apartment segment has been the strongest performer in recent years.

"Prestige apartments have been the strongest market segment in the last few years as high-net-worth individuals choose luxury, security and lifestyle in apartments over houses," Mr McGrath said.

"Demand has increased dramatically as luxury apartments have gone to a whole new level in design, finishes and amenities."

Queensland has emerged as the leader in this market shift, accounting for 43 per cent of East Coast prestige apartment sales in 2025. NSW followed with 41 per cent, while Victoria captured 16 per cent of the market.

Mr McGrath said Southeast Queensland has become particularly attractive for luxury apartment buyers.

"Southeast Queensland has become the favoured location for many looking for luxury apartment living as pristine beaches and rivers become perfect backdrops for beautiful buildings," he said. "The strongest demand has been for prime locations with easy access to major cities as most buyers in these apartments are still living very active and vibrant lives."

Price growth has been substantial across all major markets. Over the past five years, new prestige apartments have significantly outperformed established units, rising 88 per cent on the Gold Coast, 60 per cent in Brisbane, 34 per cent in Sydney, and 32 per cent in Melbourne.

Analysts attribute this growth to larger floor plans, premium amenities, superior materials, and a historically low supply of new luxury apartments relative to Australia's growing wealthy population.

Michelle Ciesielski, McGrath's National Head of Research, said the industry identified the rightsizing trend early and adapted accordingly.

"After identifying the emerging rightsizing trend in Australia back in 2020, there has been more than double the delivery of apartments with three or more bedrooms, and the average apartment built was one-third larger," Ms Ciesielski said.

By 2028, 40 per cent of apartments in prime regions of Melbourne and Brisbane will likely feature more than three bedrooms, with 34 per cent on the Gold Coast and 31 per cent in Sydney.

Car parking has become a significant value driver. Sydney commands a 62 per cent price premium for three-bedroom apartments with more than four car spaces compared to just one, while Brisbane shows a 47 per cent premium, Gold Coast 46 per cent, and Melbourne 41 per cent.

More than two-thirds of buildings across Sydney, Melbourne, and Brisbane CBDs now feature pools and gyms as standard inclusions.

"Many rightsizers are seasoned global travellers, shaping their expectations for amenities in their new home based on luxury hotel experiences. Australia has a long way to go and developers might consider get this balance right given the more competitive marketplace," Ms Ciesielski said.

Despite strong demand, the cost of delivering premium apartments remains elevated due to rising material prices and a shortage of skilled labour.

"High-net-worth demand for luxury downsizing remains strong, although purchase price and ongoing costs will likely be a decisive factor when giving up the space of a family home," Ms Ciesielski said.

"Our study found that prestige apartments generally incur lower upkeep costs compared to similar quality standalone houses, when sinking funds are appropriately managed."

With luxury apartment living on the rise, now could be the perfect time to make your move. Let Simple Property Lending help you secure the right finance.

03/09/2026

𝟰 𝘁𝗵𝗶𝗻𝗴𝘀 𝘁𝗼 𝗸𝗻𝗼𝘄 𝗮𝗯𝗼𝘂𝘁 𝗺𝗮𝗸𝗶𝗻𝗴 𝗮𝗻 𝗼𝗳𝗳𝗲𝗿 𝗼𝗻 𝗮 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗶𝗻 𝗦𝗽𝗿𝗶𝗻𝗴

Spring always brings more listings and more competition. If you are planning to make an offer this selling season, here are four things worth knowing before you do.

𝙆𝙣𝙤𝙬 𝙝𝙤𝙬 𝙩𝙤 𝙢𝙖𝙠𝙚 𝙖𝙣 𝙤𝙛𝙛𝙚𝙧 𝙘𝙤𝙧𝙧𝙚𝙘𝙩𝙡𝙮 - Verbal offers carry no legal weight. In most states, offers are made in writing through a contract of sale or a formal offer document. Your conveyancer can walk you through the process before you get to this point.

𝙎𝙪𝙗𝙟𝙚𝙘𝙩 𝙩𝙤 𝙛𝙞𝙣𝙖𝙣𝙘𝙚 𝙘𝙡𝙖𝙪𝙨𝙚𝙨 𝙥𝙧𝙤𝙩𝙚𝙘𝙩 𝙮𝙤𝙪 - Including a finance condition gives you the ability to exit the contract if your loan is not formally approved. In a competitive market, some buyers waive this condition, which significantly increases their risk if finance falls through.

𝘾𝙤𝙤𝙡𝙞𝙣𝙜-𝙤𝙛𝙛 𝙥𝙚𝙧𝙞𝙤𝙙𝙨 𝙫𝙖𝙧𝙮 𝙗𝙮 𝙨𝙩𝙖𝙩𝙚 - Most states provide a short cooling-off period after signing a contract, typically two to five business days, during which you can withdraw. Auctions are excluded. Knowing your state’s rules before you sign is important.

𝙂𝙤𝙞𝙣𝙜 𝙪𝙣𝙘𝙤𝙣𝙙𝙞𝙩𝙞𝙤𝙣𝙖𝙡 𝙞𝙨 𝙖 𝙨𝙚𝙧𝙞𝙤𝙪𝙨 𝙘𝙤𝙢𝙢𝙞𝙩𝙢𝙚𝙣𝙩 - An unconditional offer means no cooling-off, no finance clause and no exit. Only make an unconditional offer if your finance is fully approved and your due diligence is complete.

Ready to make your move this spring? Talk to Simple Property Lending today about your home loan options.

31/08/2026

𝗦𝗽𝗿𝗶𝗻𝗴 𝘀𝗲𝗹𝗹𝗶𝗻𝗴 𝘀𝗲𝗮𝘀𝗼𝗻 𝗶𝘀 𝗰𝗼𝗺𝗶𝗻𝗴 - 𝘄𝗵𝗮𝘁 𝗯𝘂𝘆𝗲𝗿𝘀 𝘀𝗵𝗼𝘂𝗹𝗱 𝗱𝗼 𝗻𝗼𝘄 𝘁𝗼 𝗴𝗲𝘁 𝗿𝗲𝗮𝗱𝘆

Spring is consistently the busiest period of the year for Australian property, with more listings, open homes and competition than at any other time. For buyers who want to be in a strong position when the market picks up in September and October, August is the ideal time to prepare.

Getting ready now rather than scrambling once listings appear can make the difference between securing a property and missing out. Here is what to focus on over the coming weeks.

𝗚𝗲𝘁 𝘆𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗲𝘀 𝗮𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗯𝗲𝗳𝗼𝗿𝗲 𝗹𝗶𝘀𝘁𝗶𝗻𝗴𝘀 𝗮𝗿𝗿𝗶𝘃𝗲
Understanding your borrowing capacity before you start attending open homes is one of the most important steps a buyer can take. Without a clear number, it is easy to waste time looking at properties outside your price range or, worse, to find something you love and lose it while your finance is still being sorted. A pre-approval also signals to vendors and agents that you are a serious buyer, which matters in a competitive spring market.

𝗖𝗵𝗲𝗰𝗸 𝘆𝗼𝘂𝗿 𝗰𝗿𝗲𝗱𝗶𝘁 𝗳𝗶𝗹𝗲 𝗻𝗼𝘄, 𝗻𝗼𝘁 𝗹𝗮𝘁𝗲𝗿
Your credit file is one of the first things a lender will review. If there are errors, outdated defaults or missed payments listed, finding out now gives you time to address them before you apply. Discovering a problem mid-application, when you are already under time pressure, is one of the more stressful situations a buyer can face. Credit reports are available from the major credit reporting agencies and take only a few minutes to request.

𝗥𝗲𝘃𝗶𝗲𝘄 𝘆𝗼𝘂𝗿 𝗱𝗲𝗽𝗼𝘀𝗶𝘁 𝗮𝗻𝗱 𝗳𝗮𝗰𝘁𝗼𝗿 𝗶𝗻 𝗮𝗹𝗹 𝘁𝗵𝗲 𝘂𝗽𝗳𝗿𝗼𝗻𝘁 𝗰𝗼𝘀𝘁𝘀
The deposit is only part of what you need to have ready at settlement. Stamp duty, legal and conveyancing fees, building and pest inspection costs, and any loan establishment fees all need to be accounted for. In most states, stamp duty alone can add tens of thousands of dollars to the upfront cost of a purchase. First home buyers should also confirm their eligibility for any applicable grants or concessions, as these can vary by state and property value.

𝗚𝗲𝘁 𝗰𝗹𝗲𝗮𝗿 𝗼𝗻 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝘀𝘁𝗮𝗿𝘁 𝗹𝗼𝗼𝗸𝗶𝗻𝗴
Spring brings a flood of new listings, and it can be easy to get swept along without a clear picture of what you are looking for. Before spring starts, it is worth taking the time to define your non-negotiables, the things you genuinely cannot compromise on, versus your preferences, the things that would be nice but are not essential. Buyers who have done this work beforehand make faster, more confident decisions when the right property comes up.

Ready for the spring market? Contact Simple Property Lending today and get your finance sorted before the competition heats up.

28/08/2026

𝗚𝗲𝘁𝘁𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗿𝗲𝗮𝗱𝘆 𝘁𝗼 𝘀𝗲𝗹𝗹

With the spring selling season just around the corner, now is the perfect time to start preparing your home should you want to sell.

There’s no doubt if you’re trying to market your property, it’s vital that you are able to make it as appealing to as many people as possible.

Here are a few ways you can get your home ready to make a big impression when the time comes to sell.

𝘿𝙤 𝙖𝙣𝙮 𝙧𝙚𝙥𝙖𝙞𝙧𝙨

While it might be ok to live with a few problems in your home, when you’re trying to sell it, these things can quickly turn buyers off. Things like dripping taps, broken windows or even more serious things like water-damaged walls and cracks should be looked at right away.

You need to look at your home from the eyes of a would-be buyer and make sure they have no reason to avoid your property.

𝘿𝙚𝙘𝙡𝙪𝙩𝙩𝙚𝙧

It doesn’t matter what home we live in, we all want more space. This is especially important for upgraders who need room for the kids, and vital for those that live in inner city apartments.

The first thing to do is to start sorting your things and decluttering. If you have too many possessions, it might even be worth selling some excess belongings, or at the very least putting them in storage during the sales campaign. The odds are you’ll need to thin some things out when you move, so why not do it now?

𝙂𝙞𝙫𝙚 𝙩𝙝𝙚 𝙝𝙤𝙢𝙚 𝙖 𝙜𝙤𝙤𝙙 𝙘𝙡𝙚𝙖𝙣

First impressions count. Bad first impressions can really have a negative impact on a person's interest in your home.

The easiest and cheapest thing you can do is to make sure the property is thoroughly cleaned before trying to sell it.

Things like dirty carpets or even unmade beds can really stand out at a home open so make sure you give everything a deep clean, or even hire a cleaner to give it a good going over.

𝙎𝙩𝙮𝙡𝙚 𝙮𝙤𝙪𝙧 𝙝𝙤𝙢𝙚 𝙩𝙤 𝙨𝙚𝙡𝙡

Depending on your budget and the state of your personal belongings, it might be worth getting your home styled. This involves hiring a styling company to bring in outside furniture and present the home as best you can. Oftentimes, they will have the right-sized furniture to fit your home and make it look spacious and desirable.

People want to imagine themselves living in the home, and by styling it effectively, it can really help them visualise themselves being there permanently.

𝙎𝙥𝙚𝙖𝙠 𝙩𝙤 𝙖𝙜𝙚𝙣𝙩𝙨

It’s always a good idea to speak with local real estate agents to see what the buyers in the market are looking for so you can try and make your property fit the bill.

They can often give their thoughts on how to stage the property effectively and connect you with the right trades to get your property in top shape ahead of time.

Before you put your property on the market, get your numbers right first! Talk to Simple Property Lending for guidance on your next move.

25/08/2026

𝟱 𝗧𝗵𝗶𝗻𝗴𝘀 𝘁𝗼 𝗸𝗻𝗼𝘄 𝗮𝗯𝗼𝘂𝘁 𝗕𝘂𝘆𝗶𝗻𝗴 𝗮𝘁 𝗔𝘂𝗰𝘁𝗶𝗼𝗻 𝗮𝘀 𝗦𝗽𝗿𝗶𝗻𝗴 𝗮𝗽𝗽𝗿𝗼𝗮𝗰𝗵𝗲𝘀

Auctions become a far more common part of the property landscape in spring. As listings increase and competition picks up, vendors and agents tend to use the auction method to generate urgency and maximise the number of competing buyers.

For buyers who have not purchased at auction before, or who have had limited experience with the process, spring is a good time to understand how it works.

Here are five things worth knowing before you bid.

𝗔 𝘀𝘂𝗰𝗰𝗲𝘀𝘀𝗳𝘂𝗹 𝗯𝗶𝗱 𝗶𝘀 𝘂𝗻𝗰𝗼𝗻𝗱𝗶𝘁𝗶𝗼𝗻𝗮𝗹
When the hammer falls and you are the highest bidder above the reserve, you are legally bound to complete the purchase. There is no cooling-off period, no subject to finance clause and no ability to walk away without forfeiting your deposit, which is typically 10 per cent of the purchase price and payable on the day. This means your finance should be fully sorted before auction day, not after. A pre-approval that has not been formally assessed against the specific property is not sufficient protection if something goes wrong.

𝗗𝗼 𝘆𝗼𝘂𝗿 𝗱𝘂𝗲 𝗱𝗶𝗹𝗶𝗴𝗲𝗻𝗰𝗲 𝗯𝗲𝗳𝗼𝗿𝗲 𝗮𝘂𝗰𝘁𝗶𝗼𝗻 𝗱𝗮𝘆, 𝗻𝗼𝘁 𝗮𝗳𝘁𝗲𝗿
Because there is no cooling-off period after a successful auction bid, all your research needs to be completed beforehand. That means arranging a building and pest inspection, reviewing the contract of sale with a conveyancer, checking the strata report if applicable, and understanding any issues with the title or the property itself. Buyers who skip these steps hoping to sort them out after the auction can find themselves committed to a purchase they would not have made with the full information.

𝗞𝗻𝗼𝘄 𝘆𝗼𝘂𝗿 𝗹𝗶𝗺𝗶𝘁 𝗮𝗻𝗱 𝗱𝗲𝗰𝗶𝗱𝗲 𝗶𝘁 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝗮𝗿𝗿𝗶𝘃𝗲
The auction environment is deliberately designed to create competition and momentum. Bidding can move quickly, and it is easy to get caught up in the heat of the moment and exceed what you intended to spend. Setting a firm maximum before you arrive, and committing to it, is one of the most important things a buyer can do. That number should reflect not just what you can borrow but what you are genuinely comfortable committing to given the property, the location and your financial position.

𝗨𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝘄𝗵𝗮𝘁 𝗵𝗮𝗽𝗽𝗲𝗻𝘀 𝗶𝗳 𝘁𝗵𝗲 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗽𝗮𝘀𝘀𝗲𝘀 𝗶𝗻
If bidding does not reach the vendor's reserve price, the property passes in. In most cases, the highest bidder at that point is given the first right to negotiate with the vendor after the auction concludes. This can actually work in a buyer's favour, as the negotiation typically happens quickly and without the pressure of competing bids. Being prepared to negotiate immediately after a passed-in result can be just as important as being ready to bid on the day.

𝗔𝘁𝘁𝗲𝗻𝗱 𝗮 𝗳𝗲𝘄 𝗮𝘂𝗰𝘁𝗶𝗼𝗻𝘀 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝗯𝗶𝗱 𝗮𝘁 𝗼𝗻𝗲
If you have not bid at auction before, attending a few as an observer before spring gets underway is useful. Watching how auctioneers run the process, how bidding momentum builds, and how other buyers behave takes some of the unfamiliarity out of the experience. Spring brings plenty of auctions to observe across most capital cities and many regional markets, and the time spent watching is rarely wasted.

Ready for auction season? Talk to Simple Property Lending today and make sure your finance is in place.

22/08/2026

𝗕𝘂𝘆𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗙𝗶𝗿𝘀𝘁 𝗛𝗼𝘂𝘀𝗲

There are few bigger milestones in life than the purchase of your first home. While it is certainly an exciting process there are a number of considerations you’ll need to take into account before you can begin your journey.

Most first home buyers will be looking at using finance to buy a property, and with that comes some important factors that they’ll need to check off.

𝙒𝙤𝙧𝙠 𝙤𝙪𝙩 𝙮𝙤𝙪𝙧 𝙗𝙪𝙙𝙜𝙚𝙩

When purchasing a home you need two things – a deposit and the ability to borrow money from a lender.

For first home buyers, the biggest hurdle is often getting a deposit together. While most people assume you need to come up with a 20 per cent deposit, for first-time buyers, there are a range of options that can help you get started sooner.

While lenders will want you to typically have some genuine savings together, there are programs in place that can help you get a loan with as little as a 5 per cent deposit.

The Federal Government’s First Home Loan Deposit Scheme (FHLDS) allows first home buyers to put down just five per cent. With this loan product, the Government will effectively guarantee the loan, helping first home buyers avoid Lender’s Mortgage Insurance.

It’s also possible to get the help of your family with a guarantor loan. This works in a similar fashion to the FHLDS, in that your family member will use the equity in their home to guarantee that deposit amount and avoid LMI.

𝙂𝙚𝙩 𝙥𝙧𝙚𝙖𝙥𝙥𝙧𝙤𝙫𝙚𝙙

A good idea for a first home buyer is to start having a conversation with their mortgage broker very early on in the process and discuss getting a preapproval.

A preapproval is a conditional loan approval that gives borrowers an indication they can potentially get finance, assuming their chosen property meets certain criteria. While it’s not a guarantee, it is very helpful as it gives the borrower clarity around exactly what they are able to borrow. It also makes sure they’ve got all their financials and documentation together.

This will help when the time comes to make an offer or bid at auction, as the buyer has a very clear understanding of what they’re able to pay and how that is going to impact their monthly spending habits.

𝙐𝙣𝙙𝙚𝙧𝙨𝙩𝙖𝙣𝙙 𝙖𝙙𝙙𝙞𝙩𝙞𝙤𝙣𝙖𝙡 𝙘𝙤𝙨𝙩𝙨

When buying a property there are normally a lot more costs than just the purchase price of the home.

First home buyers can sometimes make the mistake of not budgeting appropriately for all the additional expenses that can come up early on.

The main cost for most buyers is normally stamp duty, however, a first home buyer can be exempt based on their circumstances and the purchase price of the property. Similarly, a first home buyer can avoid LMI if they are able to qualify for one of the previously mentioned loan programs.

However, there are other costs that will be required to pay upfront, including building and pest inspections and conveyancing costs. When you settle on the property, you’ll also have to pay for things like your share of the rates, strata fees, water, as well as insurance.

Being aware of what costs are likely to be involved before making an offer will put you in the best position to budget and move into your new home without any financial stress.

Getting into your first home doesn’t have to be overwhelming. Talk to Simple Property Lending and understand your borrowing power and options.

19/08/2026

𝟰 𝗧𝗵𝗶𝗻𝗴𝘀 𝘁𝗼 𝗖𝗼𝗻𝘀𝗶𝗱𝗲𝗿 𝗕𝗲𝗳𝗼𝗿𝗲 𝗙𝗶𝘅𝗶𝗻𝗴 𝗬𝗼𝘂𝗿 𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗥𝗮𝘁𝗲

As the Australian economy continues to recover and house prices remain strong, there is growing speculation that interest rates are also going to be rising soon. We’ve already seen a number of the major banks increase rates on their fixed interest rate products, which implies that they believe rates are headed higher.

Does that mean you should now fix the interest rate on your mortgage?

Here are a few things you should consider before fixing your rate:

𝘼𝙧𝙚 𝙏𝙝𝙚𝙮 𝘼𝙡𝙧𝙚𝙖𝙙𝙮 𝙁𝙖𝙘𝙩𝙤𝙧𝙚𝙙 𝙄𝙣?
Fixed-rate interest products are often priced in such a way that they have already factored in potential interest rate rises. That means if you’re going to take out a fixed-rate loan, those rates might be higher than the standard variable rate, as the belief is that rates will rise. While this might still be something you want, it might not end up saving you any money on your mortgage prepayments.

𝙒𝙞𝙡𝙡 𝙔𝙤𝙪 𝘽𝙚 𝙉𝙚𝙜𝙖𝙩𝙞𝙫𝙚𝙡𝙮 𝙄𝙢𝙥𝙖𝙘𝙩𝙚𝙙?
The RBA has so far made it clear that rate rises will be slow and transparent. If the RBA does hike rates sooner rather than later, will these changes have any impact on you at all? With rates so low in the current environment, it’s easy to forget that it wasn’t all that long ago that we were paying 2-3 times what we are now in interest.

𝙒𝙞𝙡𝙡 𝙮𝙤𝙪 𝙬𝙖𝙣𝙩 𝙩𝙤 𝘼𝙘𝙘𝙚𝙨𝙨 𝙀𝙦𝙪𝙞𝙩𝙮 𝙤𝙧 𝙎𝙚𝙡𝙡 𝙔𝙤𝙪𝙧 𝙋𝙧𝙤𝙥𝙚𝙧𝙩𝙮?
If you take out a fixed-rate loan, it’s not always easy to refinance. While it is possible, it normally attracts a break fee, which can be more than the money that you are potentially saving by fixing your rate. If you do want to access your equity and still fix your rate, it might be worth considering locking in only a portion of your home loan and also taking out a short-term loan. The same thing applies if you want to sell your property as there will likely be break fees that come with paying out your mortgage on a fixed-rate product.

𝙄𝙨 𝙖 𝙍𝙖𝙩𝙚 𝙇𝙤𝙘𝙠 𝙒𝙤𝙧𝙩𝙝 𝙄𝙩?
In an environment with interest rates moving, home loan products can change rapidly. When you take out a fixed-rate loan, the actual rate you get doesn’t get locked in until the settlement date, not on the date you apply for the loan. One way to avoid this issue is to pay a rate lock fee that will let you access the rate at application. The best person to speak to about this option is your mortgage broker.

Before you lock in a fixed rate, make sure it actually works for your goals. Speak with Simple Property Lending for tailored advice on your next move.

15/08/2026

𝗛𝗼𝘂𝘀𝗲𝘀 𝗼𝗿 𝗨𝗻𝗶𝘁𝘀: 𝗪𝗵𝗶𝗰𝗵 𝗶𝘀 𝘁𝗵𝗲 𝗕𝗲𝘀𝘁 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁?

New home buyers are always faced with two major property questions: where to buy and what to buy? While there are advantages to both houses and units, it is important to understand why you might choose either type of dwelling as your next investment property.

𝙋𝙧𝙤𝙨 𝙖𝙣𝙙 𝘾𝙤𝙣𝙨 𝙤𝙛 𝙃𝙤𝙪𝙨𝙚𝙨

The most obvious advantage of houses is the fact that they are generally larger than units. If you’re buying as an owner-occupier, a house will be something you will be able to use as your family grows.

Over a long period of time, house prices have also outperformed units in terms of price appreciation. Land is scarce, and as the population continues to increase. This keeps the upward pressure on house and land values in inner-city areas.

However, as prices for houses are high, rental yields are generally lower. For most houses in good locations, you’re likely to be looking at a rental yield of 2-3%. That means even in the current interest rate environment, you’ll have a negatively geared property on your hands and you will likely have to contribute to the repayments.

It’s also worth noting that not all houses are created equal. If you are buying a house in a new estate, 50km from the CBD, then there really is no land scarcity at all. In fact, there is an oversupply of land that few people want.

The other issue with houses is they do cost a lot to maintain, and if something like a roof wears out, it is on you to cover all the costs.

𝙋𝙧𝙤𝙨 𝙖𝙣𝙙 𝙘𝙤𝙣𝙨 𝙤𝙛 𝙐𝙣𝙞𝙩𝙨

For the most part, units are far more appealing to investors than owner-occupiers. Units are cheaper to buy than a house in the same area, and it is therefore, easier to obtain finance. The advantage here is that you can buy into a blue-chip area for a fraction of the cost.

Similarly, the rental yield that you receive on your unit will be far higher. Many units generate yields of 4-5%, which can make them neutrally geared or even positive in some cases.

However, the devil is often in the detail when it comes to the rental yields on units, as it’s vital that you take into consideration the other costs such as strata fees. For buildings that have great features like pools and gyms, you will normally find sky-high strata fees.

It’s also worth noting that not all markets around the country are always that interested in apartments. While they are popular in Sydney, Melbourne and areas of Queensland, people in the other major capital cities generally prefer to live in houses.

The other real catch with units is the fact that there is just no scarcity. This is particularly true if you buy into a large 300-unit building. This is even more pronounced, if you choose to buy off the plan.

𝙒𝙝𝙞𝙘𝙝 𝙞𝙨 𝘽𝙚𝙨𝙩?

As an investment, you normally need to find very specific properties to overcome some of the weaknesses of both types of dwellings.

For units, look for smaller buildings that have low or no strata fees.

For houses, look to established areas that have strong yields, with properties that also offer the potential for subdivision or development.

Not sure which property type suits your budget? Simple Property Lending can help guide your decision.

03/08/2026

𝟱 𝗪𝗮𝘆𝘀 𝘁𝗼 𝘀𝘁𝗿𝗲𝗻𝗴𝘁𝗵𝗲𝗻 𝘆𝗼𝘂𝗿 𝗛𝗼𝗺𝗲 𝗟𝗼𝗮𝗻 𝗔𝗽𝗽𝗹𝗶𝗰𝗮𝘁𝗶𝗼𝗻

Lenders assess far more than just your income. Taking a few steps before you apply can make a real difference to your chances of approval.

𝗖𝗵𝗲𝗰𝗸 𝘆𝗼𝘂𝗿 𝗰𝗿𝗲𝗱𝗶𝘁 𝗿𝗲𝗽𝗼𝗿𝘁 – Look for errors, defaults or missed payments before a lender does.

𝗥𝗲𝗱𝘂𝗰𝗲 𝘂𝗻𝘂𝘀𝗲𝗱 𝗰𝗿𝗲𝗱𝗶𝘁 𝗰𝗮𝗿𝗱 𝗹𝗶𝗺𝗶𝘁𝘀 – Lenders assess cards at their full limit, not just the balance you carry.

𝗦𝗵𝗼𝘄 𝗰𝗼𝗻𝘀𝗶𝘀𝘁𝗲𝗻𝘁 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 – Regular deposits into a savings account signal good financial habits.
𝗣𝗮𝘆 𝗱𝗼𝘄𝗻 𝗲𝘅𝗶𝘀𝘁𝗶𝗻𝗴 𝗱𝗲𝗯𝘁𝘀 – Car loans, personal loans and buy now, pay later balances all reduce your borrowing capacity.

𝗔𝘃𝗼𝗶𝗱 𝗻𝗲𝘄 𝗰𝗿𝗲𝗱𝗶𝘁 𝗮𝗽𝗽𝗹𝗶𝗰𝗮𝘁𝗶𝗼𝗻𝘀 – Multiple enquiries on your credit file in a short period can raise concerns for lenders.

Speak with Simple Property Lending to explore your loan options and get tailored finance support.

31/07/2026

𝗛𝗼𝗺𝗲 𝘃𝗮𝗹𝘂𝗲 𝗴𝗿𝗼𝘄𝘁𝗵 𝘀𝗹𝗼𝘄𝘀 𝗯𝘂𝘁 𝗿𝗲𝗺𝗮𝗶𝗻𝘀 𝗽𝗼𝘀𝗶𝘁𝗶𝘃𝗲

Australia’s housing market continues to grow, with national home values rising 0.3% in April according to Cotality. While Sydney and Melbourne saw modest monthly dips of 0.6%, most markets are still trending upward.

Perth remains a standout performer, with values up 2.1% in April alone, adding more than $21,000 to the median dwelling value. Brisbane, Adelaide and Darwin also continued to grow, each recording monthly gains above 1%, reflecting the strength of demand across the mid-sized capitals.

Regional markets are also particularly strong, rising 4.2% over the first four months of the year, more than double the 1.8% recorded across the combined capitals. Bunbury in WA led the smaller markets with growth of 9.8% year-to-date, while no regional market saw a decline over the period.

Looking to make your next move in the property market? Talk to Simple Property Lending today and let us help you find the right finance solution.

Andrew Koulouris - Finance Broker - Simple Property Lending

06/09/2026

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