NJS Financial

16/10/2026

Www.njsfinancial.com.au

15/10/2026

02/10/2026

What are bond yields, and why do they matter for borrowers and investors?

Bond yields are the return investors ea…

19/09/2026

Why specific property selection matters more than the next interest rate decision.

Many buyers and investors are focused on macro themes: interest rates, economic growth and where the broader property market may head next.

At NJS Financial, we believe the more important variable is often the individual property itself.

Given the ongoing housing supply shortage, the probability of a broad-based mass sell-off appears lower than many assume. In that environment, purchase quality and deal selection become critical.

When assessing whether to buy, we encourage clients to look beyond headlines and ask practical questions:

1. Why is the vendor selling?
A motivated seller, such as an owner ready to retire or move on from maintaining the property, may present a stronger negotiation opportunity.

2. How long has the property been on the market?
Extended time on market can indicate seller fatigue and improved pricing flexibility.

3. Have there been other offers?
This helps assess genuine buyer demand and your ability to negotiate.

4. What does the inspection reveal?
Some properties are overlooked due to cosmetic issues that can be remedied with relatively low capital outlay.

5. How strong is the location?
Walkability, access to shops, transport and local amenities remain key value drivers.

6. Are there infrastructure projects supporting the…

23/03/2026

🚀 2026 Property Market: The Two-Speed Reality 🇦🇺
The first 60 days of 2026 are in, and the “multi-speed” recovery is officially here. While the headlines focus on rate hikes, the data tells a much more localized story.
The Highlights:
📈 Perth is the undisputed heavyweight champion, surging +4.3% in just two months. Low stock levels are continuing to drive massive competition.
🔥 Brisbane & Adelaide remain incredibly resilient, both comfortably outperforming the national average.
🛑 Sydney & Melbourne have hit a plateau. Increased listings and the recent February rate hike have put the brakes on price growth—for now.
The Takeaway:
National growth is still up +1.6% year-to-date, but where you buy or hold has never mattered more. We are seeing a massive shift toward affordability, with regional markets and units often outperforming the “top end” of town.
Wondering what these figures mean for your equity or your next investment? Let’s chat. ☕️