Selectmyfinance

04/09/2025

🏡 Melbourne Property Market Update – September 2025

Is the recovery real? You bet. But not all suburbs are winning.
After a sluggish few years, Melbourne’s property market is finally showing signs of life—and savvy investors are already making moves. With four straight months of price growth, falling interest rates, and rising buyer confidence, melbourne property is back on the radar.

🔥 Top Performing Suburbs (a.k.a. Investor Goldmines)

These areas are seeing strong price growth and rising demand:

Sunbury – Ranked #1 nationally for expected value growth thanks to a 78% surge in sales activity

Craigieburn, Werribee, Caroline Springs, Hoppers Crossing, Deer Park – Affordable family-friendly suburbs tipped for “supercharged” growth

Docklands – Units are staging a comeback with 7.39% annual growth, 6.05% rental yields, and over 420 unit sales in the past 12 months. It's been a very long haul for investors in Docklands. Long Term results have not been good and personally I'm still not a buyer here.

Hawthorn East – Median house price now $2.58M, up 11.1% over 12 months, with rents rising 6.3% to $935/week

St Kilda – Strong demand for lifestyle apartments, with recent sales ranging from $350K to $3.25M, and high rental turnover

Richmond – Continues to attract young professionals and investors with its mix of heritage homes and high-yield apartments
These suburbs benefit from proximity to the CBD, strong rental demand, and lifestyle appeal.

🧊 Suburbs Still Struggling

Not every postcode is on the up. Areas with oversupply or weak rental demand are lagging:
CBD high-rise apartments – Still oversaturated, with soft rental yields and limited capital growth

Outer fringe estates – Some new developments are facing slow sales and price stagnation due to affordability pressures and lack of amenities

Luxury pockets with inflated 2021–22 prices – Still correcting from pandemic highs

📊 Key Stats You Should Know

Median house price: $1.04M
Median unit price: $577K
Vacancy rate: 1.1% (record low)
Rental yield: 3.7% average
Interest rate: RBA now at 3.85%, with further cuts expected but certainly not guaranteed

💡 What It Means for You
Melbourne is now a countercyclical buying opportunity. Prices are still below peak, but momentum is building. Investors who act now can secure quality assets before the next wave of growth.

✅ Focus on well-located, investment-grade properties ❌ Avoid off-the-plan and high-rise stock 📍 Target suburbs with rising sales activity and tight supply

📣 Want help finding the right property or financing your next move? Drop us a message at Select My Finance or email [email protected] — we’ll help you make smart moves in a shifting market.

⚠️ Disclaimer: This newsletter is for informational purposes only and does not constitute financial advice. Always do your own research or speak with a licensed advisor before making investment decisions.

19/08/2025

🏡📈 Property vs Shares: Why Not Date Them Both?

Some people treat investing like picking a favourite child. “It’s property or nothing!” Others swear by shares and wouldn’t touch bricks and mortar unless it came with a free pizza oven.
But here’s the thing — you don’t have to choose. In fact, the smartest investors I know are in a long‑term, committed throuple with both.

Property: The Reliable Partner

Shows up every day, rain or shine.
Gives you rental income that feels like a steady paycheck.
Tends to grow in value over time (and you can actually see it — no one’s ever driven past their share portfolio).
Bonus: You can paint it, renovate it, or brag about it at BBQs.

Shares: The Exciting One

Easy to buy and sell — no open homes or awkward chats about “offers over.”
Lets you own a slice of big companies without having to run them (you can own part of Apple without knowing how to code).
Pays dividends — aka “surprise money” in your bank account.
Can grow fast… and sometimes drop fast, but hey, that’s part of the thrill.

Why Date Both?

Diversification: If one’s having a bad day, the other might be having a great one.
Cash flow + growth: Property can give you steady rent, shares can give you quick wins (and vice versa).
Different strengths: Property loves leverage, shares love liquidity. Together, they’re the ultimate power couple.

💬 Moral of the story: Don’t limit yourself to just one flavour of wealth‑building. Property and shares can work together like coffee and cake — delicious on their own, but magic as a pair.

📩 Want to chat about building your own “investment dream team”? Send me a message to [email protected] and let’s work out how much you can borrow.

12/08/2025

08/10/2024

Did you know we work with multiple lenders across Australia? As a broker, we offer a comprehensive service that can save you time, money, and stress. We may even be able to improve your deal with your current bank!

Here’s how:

Seamless Loan Restructuring: If you provide us with your current bank statement, including your loan account number and interest rate via email to [email protected] we may be able to restructure your loan with your existing lender. This means you could benefit from a better rate and loan structure without the hassle of changing banks.

Expertise and Guidance: Navigating the complex world of loans and mortgages can be overwhelming. With our extensive knowledge of the market, we can guide you through the entire process, ensuring you make informed decisions that suit your financial goals.

Access to Better Rates: Brokers have access to a wide range of lenders and exclusive deals that are often not available to the public. This means we can secure competitive rates and terms that you might not find on your own.

Customized Solutions: We take the time to understand your unique situation and financial needs. Whether it’s restructuring your loan for a better overall rate or finding the best structure with a new lender, we tailor our solutions to fit your requirements.
Convenience and Efficiency: We handle the legwork, from comparing different loan options to managing the paperwork and communication with lenders. This saves you time and effort, allowing you to focus on what’s important to you.
Ongoing Support: Our service doesn’t end once your loan is settled. We provide continuous support and advice, ensuring your loan remains competitive and suitable as your circumstances change.

To get started, all we need is your current bank statement with your loan account number and interest rate, and to know if the loan is for your own property or an investment.

Email me at [email protected] to see how we can help you achieve a better financial future.

You can also book a phone appointment at https://calendly.com/finance-chat/finance-chat?month=2024-10&date=2024-10-31. Check us out at www.selectmyfinance.com.au.

16/08/2023

Hi, A lot of our clients ask about investing in shares as well as property. Here is a recent video (not prepared by us) that some of you may find interesting. As usual please seek your own financial advice.

Australians have a well-known love affair with property investments. But with house prices becoming more and more difficult to afford, young investors are tu...

07/02/2023

The RBA has kicked off 2023 by increasing the cash rate a further 25 basis points to 3.35%. How much will this rate hike increase your mortgage repayments in 2023, and how high is the cash rate expected to go? 🏡

The Reserve Bank of Australia (RBA) has kicked off 2023 by increasing the cash rate a further 25 basis points to 3.35%. How much will this rate hike increase your mortgage repayments in 2023, and how high is the cash rate expected to go? This is the ninth rate hike by the RBA in as many meetings (si...

02/02/2023

If you’re looking to make a home loan switch … ask these refinancing questions before you leap. 🐸

Home loan not up to scratch? Looking for a better rate? Or do you want to unlock equity? Then refinancing could be for you. But there are some important questions to ask first. If you’re considering refinancing your mortgage, you’re not alone. With the rising cost of living and interest rates hi...

26/01/2023

Makin’ boss career moves…. But could it affect your mortgage application? 🤔

Changing jobs may offer more perks – higher income, greater fulfilment, and the opportunity for growth are often things people look for in a new gig. But could it also impact your mortgage application? January and February each year is typically prime time for people considering switching jobs –...

19/01/2023

Set up your 2023 reno for smooth sailing with these 4 tips. ⛵

Having a spruced-up home feels great. And it can also boost your home’s value. But, as exciting as the prospect of rolling up your sleeves and getting on with a reno can be, there are certainly pitfalls to avoid. New year, new you, new reno? Renovating is exciting. Having aesthetics and function o...