Simply Wealth Group

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Simply Wealth Group Australia's leading property investment company. We work with you one to one to build wealth through strategic property investment.

Our unique strategy helps you achieve your long term goals. Mortgage solutions, Property Investment Advisory, Construction Supervisory, Property Management

🚨 TURNKEY PACKAGE — THORNHILL PARK 🚨Ready Q1 2027! 🏡A spacious home with a functional layout: four bedrooms, a separate ...
16/10/2026

🚨 TURNKEY PACKAGE — THORNHILL PARK 🚨

Ready Q1 2027! 🏡

A spacious home with a functional layout: four bedrooms, a separate living area, and a double garage.

🛏️ 4 Bedrooms
🛁 2 Bathrooms
🛋️ 1 Living Area
🚗 2 Car Garage
📐 Land Size: 308m²
🏠 House Size: 17.1sq
💰 $651,670

This Thornhill Park turnkey package delivers a sleek kitchen, stylish bathroom, and a smart layout, perfect for families and investors alike.

📅 Locked in for Q1 2027 completion. Enquire today to secure it.

📲 WhatsApp us here: https://wa.me/61468175628
📞 1300 074 675
🌐 www.simplywealthgroup.com.au

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The cheapest big four variable rate is 6.24%. The lowest rate among lenders that have announced their new pricing is 5.9...
16/10/2026

The cheapest big four variable rate is 6.24%. The lowest rate among lenders that have announced their new pricing is 5.94%.

The big four passed on the RBA's hike on 9 October: Westpac 6.24%, NAB 6.29%, CBA 6.34%, ANZ 6.5%. More than 40 lenders have passed on the full increase, and Canstar expects the average owner-occupier variable rate to settle around 6.49%.

What that gap is worth:

📊 5.94% vs 6.24% is a 0.30 percentage point difference
📊 Canstar estimates a 0.25-point rise adds about $91 a month on a $600,000 loan, so a 0.30-point gap works out to roughly $109 a month (our estimate based on Canstar's figure)

Canstar's Sally Tindall warns that borrowers who haven't reviewed their loans could now have a rate starting with a 7, "a figure that was unthinkable even a year ago."

Before you compare, remember:

✅ The lowest rate isn't always the cheapest loan once fees and features are counted
✅ Rates are still moving, as 5.94% is the lowest among lenders who've announced so far
✅ Switching suits some borrowers and not others, which depends on your loan size, equity and goals

The big four don't set the floor in this market. If you haven't compared your rate in the past year, it's worth knowing where yours sits.

📲 WhatsApp us here: https://wa.me/61468175628
📞 1300 074 675
🌐 www.simplywealthgroup.com.au

Source: Mortgage Professional Australia, Canstar
General information only. It does not take your personal circumstances into account.

15/10/2026

Your rent isn't profit. Know your net yield. 🧮

The rent you collect is only the starting number. What actually lands in your pocket is what's left after the costs of owning the property.

Here's the difference:

📊 Gross yield - annual rent divided by the purchase price. Useful for a quick comparison, but it ignores your expenses.

🧾 Net yield - annual rent minus ongoing costs, divided by the purchase price. This is the number that shows how the property really performs.

🔧 What eats into it - council rates, insurance, property management fees, maintenance, and vacancy periods all reduce your return.

Before you buy, run the numbers on net yield, not just the rent on the listing. A property that looks strong on gross yield can look very different once the costs are in.

📲 Message us on WhatsApp: wa.me/61468175628
📞 Call: 1300 074 675
🌐 www.simplywealthgroup.com.au

Your rental return isn't what you think it is. 🚰$470 a week in rent sounds great. That's $24,440 a year, right?Not quite...
15/10/2026

Your rental return isn't what you think it is. 🚰

$470 a week in rent sounds great. That's $24,440 a year, right?

Not quite. Here's where the money quietly leaks out (illustrative example only):

🏢 Property management fees: ~$1,900
🔑 Letting fees: ~$500
📅 Vacancy (2 weeks between tenants): ~$940
🏛️ Council rates and water service charges: ~$2,500
🛡️ Landlord insurance: ~$500
🔧 Maintenance and repairs: ~$1,200
🔥 Gas and electrical safety checks (mandatory in Victoria): ~$400
📄 Land tax (varies widely): ~$1,000

💸 Total leaks: ~$8,900 a year
✅ What's actually left: ~$15,500, before your mortgage repayments

That's more than a third of your rent gone before interest even comes into it.

None of these costs are a reason not to invest. They're a reason to run the real numbers before you buy, not after. 💡

Want us to stress-test the numbers on a property you're looking at? Let's talk. 👇

📲 WhatsApp: wa.me/61468175628
📞 Call: 1300 074 675
🌐 www.simplywealthgroup.com.au

Illustrative figures only. Actual costs vary by property, location, and lender. General information only.

🚨 TURNKEY PACKAGE — GREENVALE 🚨Ready March 2027! 🏡A stylish, compact home with a modern facade and functional layout, pe...
15/10/2026

🚨 TURNKEY PACKAGE — GREENVALE 🚨

Ready March 2027! 🏡

A stylish, compact home with a modern facade and functional layout, perfect for first home buyers or investors after a low-maintenance asset.
🛏️ 3 Bedrooms
🛁 2 Bathrooms
🚗 1 Car Garage
📐 Land Size: 179.00m²
🏠 House Size: 115.30m²
💰 $685,300

This Greenvale turnkey package delivers a sleek kitchen, stylish bathroom, and a practical layout, a smart entry point into property ownership or investment.

📅 Locked in for March 2027 completion. Enquire today to secure it.

📲 WhatsApp us here: https://buff.ly/ranY35l
📞 1300 074 675
🌐 www.simplywealthgroup.com.au

Listed at $1.7M. Sold at $1.535M. At the top end of the market, the buyers who can afford to wait are setting the price....
15/10/2026

Listed at $1.7M. Sold at $1.535M. At the top end of the market, the buyers who can afford to wait are setting the price.

That Perth sale is one example of a wider pattern. Cotality's September data shows upper-quartile homes in Melbourne are 10.5% below their peak (Sydney 10.7%), and brokers say buyers at the higher end are getting more cautious as rates rise.

What that means in practice:

💬 Sellers are conceding more, and agents are noting that top-end buyers are being "more picky"
💬 Buyers who aren't under pressure, like those buying a second property, can wait
💬 Negotiation skills matter far more than they did 18 months ago

If you're an upgrader, there are two sides to weigh:

✅ Your next home may have fallen further than yours, so the changeover can work in your favour
⚠️ One Brisbane broker's caution: when the market starts losing value, the high end is often where it starts, so some buyers are waiting for it to level out before making a big purchase

Neither approach is wrong. It depends on your finances, your timeline and how much of a buffer you hold if rates rise again in November.

Thinking about an upgrade? Let's run your numbers before you make an offer.

📲 WhatsApp us here: https://wa.me/61468175628
📞 1300 074 675
🌐 www.simplywealthgroup.com.au

Source: Australian Broker, Cotality
General information only. It does not take your personal circumstances into account.

14/10/2026

Fewer bidders. Your buying edge. 🏡

When the market cools, competition thins out. That's often when prepared buyers get the upper hand.

Here's how fewer bidders can work in your favour:

🤝 More room to negotiate - less competition at auction and in private sales can mean stronger bargaining power.

⏳ More time to decide - you can inspect properly, do your due diligence, and avoid rushed decisions.

📋 Better choice of stock - you can be selective about location and quality instead of settling for what's left.

The edge only works if you're ready to use it. Pre-approval, a clear budget, and a plan mean you can move when the right property appears.

📲 Message us on WhatsApp: wa.me/61468175628
📞 Call: 1300 074 675
🌐 www.simplywealthgroup.com.au

📘 How Interest Rates Affect Investor CompetitionHigher rates don't just change repayments. They change who's in the mark...
14/10/2026

📘 How Interest Rates Affect Investor Competition

Higher rates don't just change repayments. They change who's in the market bidding against you, and the latest lending data shows it.

1. Investors have been pulling back harder than anyone.
In the June quarter, new investor loan commitments fell 8.6% by number and 10.2% by value. Owner-occupier loans fell 3.3%, and first home buyer loans fell 2.9%.

2. Rates hit investors through cash flow.
Higher repayments and tighter lending assessments reduce how much an investor can borrow and how comfortably a property carries itself. Marginal investors are usually the first to step back.

3. It matters because investors are a big part of the market.
Investors made up roughly 38% of new lending by value in the June quarter, down from about 40% in March, which was near a ten-year high.

4. Less investor competition can mean more room to negotiate.
When fewer investors are bidding, there's less competition for the types of stock they favour, such as units and entry-level houses. Combined with higher listings and wider vendor discounts, buyers have more leverage.

5. Some investors are changing what they buy.
Investor loans for new dwelling construction reached a series high in the June quarter. That fits the tax changes favouring new builds, though rates and tax both play a part.

6. The picture can change quickly.
This data predates this week's rate rise, so the next release may look different. Competition rises and falls with rates, tax settings, and confidence.

💡 Rates don't just set what you pay. They shape who you're competing against. Watching investor lending is a way to see that shift early.

Contact my team directly! We're here to help you find the right Melbourne property strategy.
WhatsApp us here: https://wa.me/61468175628
Learn more at www.simplywealthgroup.com.au

🚨 TURNKEY PACKAGE — GREENVALE 🚨Ready March 2027! 🏡A stylish, compact home with a modern facade and functional layout, pe...
14/10/2026

🚨 TURNKEY PACKAGE — GREENVALE 🚨

Ready March 2027! 🏡

A stylish, compact home with a modern facade and functional layout, perfect for first home buyers or investors after a low-maintenance asset.

🛏️ 3 Bedrooms
🛁 2 Bathrooms
🚗 1 Car Garage
📐 Land Size: 179.00m²
🏠 House Size: 115.30m²
💰 $685,300

This Greenvale turnkey package delivers a sleek kitchen, stylish bathroom, and a practical layout, a smart entry point into property ownership or investment.

📅 Locked in for March 2027 completion. Enquire today to secure it.
📲 WhatsApp us here: https://wa.me/61468175628
📞 1300 074 675
🌐 www.simplywealthgroup.com.au

The headlines say the market is cooling. A Melbourne broker says first home buyers are still finding competition under $...
14/10/2026

The headlines say the market is cooling. A Melbourne broker says first home buyers are still finding competition under $1 million.

Cotality's September data shows the downturn is hitting the top end hardest: upper-quartile values in Melbourne are 10.5% below their peak (Sydney 10.7%). But the market isn't falling evenly, and that matters if you're buying at the entry level.

What brokers are seeing on the ground:

🏠 Melbourne broker Adele Andrews: first-time buyer appetite is still strong, and the sub-million dollar range remains quite strong because there's a lot of stock and a lot of buyers
🏠 She says the bargains many first home buyers expect from the cooling-market headlines aren't there
🏠 At the top end, buyers are holding back. One Perth sale listed at $1.7M settled at $1.535M, because buyers who can afford to wait are waiting
🏠 Buyers at the lower end need a home, and with the housing shortage that keeps competition alive

The honest takeaway: a falling national number doesn't mean every property is cheaper or every auction is soft. First home buyers get the best results by being prepared, not by waiting for a discount that may not come in their price bracket.

Some brokers see it differently. A WA broker says units once listed at $750,000 are now going for $670,000 to $680,000 as investors have left the lower end. Conditions vary by area and property type, which is why local knowledge matters.

What prepared looks like:

✅ A pre-approval ready before you inspect
✅ A clear price ceiling that holds at the current rate (4.6%) and a bit above
✅ A short list of areas and property types where you've tracked actual sale prices

📲 WhatsApp us here: https://wa.me/61468175628
📞 1300 074 675
🌐 www.simplywealthgroup.com.au

Source: Australian Broker, Cotality
General information only. It does not take your personal circumstances into account.

Address

Tower 4 Level 17/727 Collins Street Docklands
Melbourne, VIC
3008

Opening Hours

Monday 9am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 9pm
Saturday 11am - 7pm
Sunday 11am - 7pm

Telephone

+611300074675

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