Jobin Mani - Mortgage Broker/Property Developer

25/07/2026

24/06/2026

A breakdown of property ownership by Australian landlords

• 1 property: ~71% of investors
• 2 properties: ~19% of investors
• 3 properties: ~6% of investors
• 4 properties: ~2% of investors
• 5 properties: ~1% of investors
• 6+ properties: ~1% of investors (approximately 20,000 individuals)

The data shows that the vast majority of Australian property investors own just one investment property, with only a very small proportion holding large portfolios.

An interesting question for discussion: Should property investment policies be designed around the small minority with multiple properties, or the majority who own just one investment property as part of their retirement strategy?

17/06/2026

🏗️ Building approvals continue to decline

• April dwelling approvals ↓ 3.4%
• March dwelling approvals ↓ 10.5%
• House approvals ↓ 1.0%
• Unit/apartment approvals ↓ 3.6%

With Australia facing a housing shortage, declining approvals mean fewer homes entering the construction pipeline.

It will be interesting to see whether building approvals improve in the coming months following the Federal Budget, with the Government expecting construction activity to increase.

12/06/2026

Common Myths in Australian Property Investment

❌ “Property always doubles every 10 years”
Many properties don’t. Growth depends on location, demand, jobs, infrastructure, and supply.

❌ “Any property is a good investment”
A poor property in a poor location can underperform for years.

❌ “You can’t lose money in property”
Prices can fall. Interest rates can rise. Vacancies and maintenance can hurt returns.

❌ “Rent covers all the costs”
Many investors still contribute thousands of dollars each year to hold their properties.

❌ “The more properties you own, the richer you become”
Owning several poor-performing properties doesn’t create wealth.

❌ “Property is passive income”
Repairs, tenants, vacancies, refinancing, and compliance all require time and money.

❌ “Past growth guarantees future growth”
Yesterday’s hotspot can become tomorrow’s underperformer.

❌ “Property is low risk”
Property is highly leveraged and sensitive to interest rates, lending rules, government policy, and market sentiment.

09/06/2026

Bandwagon Effect in Property Investment.

Many people buy investment properties not because they have carefully analysed the numbers, but because everyone around them is doing it.

Examples:

* Buying in a suburb simply because it is the “hot market” everyone is talking about.
* Purchasing property after seeing friends, family, social media influencers, or buyers’ agents promoting it.
* Believing a property must be a good investment because many people are competing to buy it.
* Investing interstate because “that’s where everyone is making money” without understanding the local market.

The risk of the bandwagon effect is that investors may overpay, buy in an overheated market, or ignore fundamentals such as rental yield, cash flow, vacancy rates, employment growth, and long-term demand.

Successful property investing requires independent research and analysis, not simply following the crowd.

06/06/2026

Australian auction results, clearance rates and recent sales for the week ending Sun 07 Jun 2026