Realta With PK - Property Buyer's Agency

07/09/2026

💰 MANISH BUYS $100K UNDER MARKET VALUE IN CAIRNS - ITS GROWING! 🏡

✅ Bank Valuation Came At $820K For $720K Deal (Yes I Know They Are Often Too High, But Still This Is Massive!) 💰

✅ Growing Despite National Downturn! 😍

✅ Purchases Before 1st Open Home Due To Agent Relationship, And Zero Vacancy! 👌🏽

✅ ZERO Confidence >> FULL Confidence

✅ Bought Interstate TWICE WITHOUT A Buyers Agent (Total Fees Saved = $30,000+)

🕒 Right time to buy property? Yes, if you know Where & How!

📈 How? ... through the Property Investment Accelerator

👇❤️ Check Out Manish Agarwal’s Property & Let's

Congratulate Him In Comments!

Purchase Price: $720,000

Total Funds Required:

05/09/2026

Would you take a closer look at this $421K/year medical investment? 👇

04/09/2026

The right property starts with the right research, strategy and guidance.
Proud to have supported Garima from the first conversation through to purchase.

03/09/2026

02/09/2026

Everyone googles the median price. Almost nobody looks at who's actually renting.

Vacancy rate is one of those numbers that doesn't get much attention until something goes wrong. A property sitting empty for two or three months doesn't just underperform. It can wipe out everything you made for the year, because the mortgage keeps going whether a tenant is in there or not.

But the more interesting thing about vacancy isn't the risk side. It's what a tight rental market tends to signal before anyone is paying attention. When tenants are competing for homes rather than landlords competing for tenants, rents rise, yields improve, and price growth often follows. Not always, but often enough that it shows up consistently in the data.

Some of the markets worth buying in don't look exciting on paper yet. The median price is still low. Nobody's written an article about them. But the vacancy rate is already telling you something if you know to look.

Median price is a rear view mirror. Vacancy is closer to a windscreen.

02/09/2026

Don’t just wait for growth.

Commercial property can give you ways to actively create value..not just hope the market does it for you.

Follow for more commercial property breakdowns.

01/09/2026

🚨 Could Australian house prices crash 20–30% like Canada?

The data suggests Australia is in a very different position.
Canadian property prices have fallen roughly 25% nationally from their peak.

But the headline doesn't tell the full story.

Canada's average dwelling price surged from around $550,000 in April 2020 to roughly $850,000 in 2022 — an extraordinary 55–60% increase.

Australia rose only around 25% over a comparable period, according to CoreLogic.

In other words, Canada had a MUCH bigger boom to unwind.

And even Canada's "crash" isn't happening everywhere.

Despite immigration effectively being shut down and much higher interest rates, between the September quarters of 2024 and 2025:
➡️ Quebec: +6.8%
➡️ Northern Territories: +11%
➡️ Manitoba: +7%
➡️ Newfoundland & Labrador: +10.3%

Meanwhile, Alberta and British Columbia grew by less than 1%, while Ontario declined.

The biggest weakness has been concentrated around markets such as Toronto and Vancouver, particularly condos.
Sound familiar?

When Australian rates started rising in 2022, Sydney and Melbourne fell roughly 10%.

Yet over the broader period discussed:
Perth rose 25%+
Brisbane rose 15%+
Adelaide rose 15%+
And some other markets increased 40–50%+.

There is no single Australian property market.

Another major difference between Australia and Canada is leverage.

Australia has roughly $11 trillion of residential property, with total housing debt representing less than 20% of that value.

Think about that like a household with 80% of its home already paid off.

Canada's equivalent aggregate LVR is above 30%.

And Australian lending standards have become MORE conservative, not less.

In 2022, around 10% of new Australian loans had loan to income ratios above 6x.

Today that's around 3%.

The proportion of new loans above 90% LVR has also fallen from around 14% during early COVID to roughly 8% today.

And Australian banks assess borrowers using approximately a
3 percentage point interest rate serviceability buffer.

That means someone obtaining a loan today is generally assessed on their ability to service rates around 3 percentage points higher than their actual rate.

Canada didn't have the same protection built into its system.

Australian household savings have also started rising again after falling substantially as interest rates increased.

Could Australia still experience a Canada style crash?

Yes, but I think you'd need something extreme.

If immigration fell to zero AND rates rapidly increased another 3 percentage points or more, Sydney and Melbourne could plausibly experience falls of 10%, 15% or even 20%.

That would be considerably worse than Australia's roughly 8% national decline during the GFC.

But there's another problem with that scenario.

If immigration went to zero, Australia would likely enter a genuine recession.

Immigration has been a major reason Australia has avoided a technical recession over the past 3 years.

In a recession, the RBA would be more likely to cut rates, not simultaneously increase them another 3 percentage points.

And Australia's existing immigration pipeline doesn't disappear overnight anyway.

Nearly 2 million people have arrived over the past 5 years, and migrants commonly take around 4–6 years before purchasing their first Australian home.

So even if immigration stopped tomorrow, there is potentially years of delayed housing demand still working through the system.

Remember what happened when immigration was almost zero in 2020, 2021 and 2022?

Australian house prices went UP.

There is also an uncomfortable longer term trend here.

In 1981, roughly 70% of Australians under 40 owned a home.

By 2021, that had fallen to around 60%.

I don't see that reversing dramatically across Australia.

Sydney and Melbourne could certainly become more affordable if rates rise and immigration falls.

But secondary cities and regional markets could continue growing at the exact same time, just as we've seen in Canada.

That's the key takeaway:

Australia could have a property crash without having an
Australian property crash.

Some expensive markets could fall 10–20%, while completely different markets rise 10%, 20%, 30% or even 40%.

At this stage of the cycle, blindly "buying property" isn't enough.

Where you buy matters more than ever.

01/09/2026

Most people want to get rich but aren’t prepared to put in the work.

Ever felt like you're not getting what you want because maybe, just maybe, you haven't earned it yet?

A bit deep, right?

Wishing for something isn't the same as earning it.

Picture wanting a six-pack while munching on donuts - kinda defeats the purpose, doesn't it?

Let's not mix up wanting stuff with actually putting in the effort.

It's about moving with purpose, like a force that won't take a “no” for an answer.

Some folks end up rich without even trying, just because they went all-in on something they loved.

Think about football players – many of them, when questioned about their wealth, might respond, "I play for the love of the game; the money is secondary."

Their unwavering commitment to training and playing at their best leads to financial success, often without them prioritising the financial gains.

Wanting stuff is not the same as doing stuff to get it.

So, what's in your action plan to make things happen?

If you're truly doing enough, you should be seeing results.

Think of it like Newton’s third law – every action has an equal and opposite reaction.

You deserve what you work for.

Of course there are outliers. But vast majority have to earn it.
It's fair, it's square.

01/09/2026

A $234K jump in value, without changing the address.
$511K to $745K through the power of the right property selection.