Real Estate Your Way

30/11/2025

Leasing vs asset finance: which is right for your business?

Need a new truck, machine, or IT setup for your business but not sure whether to lease or finance it?

Asset finance (like a chattel mortgage) means you own the asset from day one. It’s secured against the item and offers potential tax advantages, especially with the instant asset write-off. You can also customise the loan term and structure repayments to suit your cash flow.

Leasing, on the other hand, gives you access to the equipment without owning it outright. You pay to use the asset over a fixed term and hand it back (or buy it at the end). It can be a smart move if you want to upgrade frequently or avoid large upfront costs.

The right choice depends on your industry, cash flow, tax position, and whether you need to eventually own the asset.

Before locking anything in, speak with a finance broker who understands your sector.

They can help you compare your options.

28/11/2025

Invoice finance vs overdraft: which is better for managing cash flow?

Every business hits a cash flow crunch from time to time, which could be waiting on invoices, managing seasonal demand, or dealing with slow-paying clients.
What’s the best way to bridge the gap?

Invoice finance unlocks the cash tied up in your unpaid invoices. Rather than waiting 30, 60, or 90 days for payment, you can access up to 85-90% of the invoice value almost immediately. Once the customer pays, you receive the balance. It’s a flexible, scalable solution, making it ideal for businesses expanding quickly or managing large accounts.

Overdrafts, offer a pre-set credit limit through your bank account. They’re simple and familiar, but the limit doesn’t always rise with your revenue, and interest rates can be higher, especially for unsecured facilities. Over time, overdrafts can also mask underlying cash flow issues rather than fixing them.

If your business invoices other businesses and experiences cash gaps, invoice finance often provides more breathing room and flexibility, without taking on new debt.

The best thing to do is speak to a finance broker who can help you compare your options.

25/11/2025

Investor interest in Aussie industrial property continues to climb

Buyer demand for Australian warehouses and logistics assets has picked up pace, with new data revealing a 19% year-on-year surge in enquiries on realcommercial.com.au during the September quarter.

According to CBRE, industrial property transactions totalled $7 billion in the first nine months of 2025, in line with long-term averages despite subdued leasing activity. While gross take-up slowed to its lowest quarterly level in a year, CBRE expects full-year leasing volumes to outpace 2024 as several major deals near completion.

This confidence is being underpinned by strong fundamentals. Vacancy rates remain tight at 2.8%, and 2.4 million sqm of new warehouse space is expected to be delivered nationally this year, 27% above the historical average.

As some older properties are finally leased, investor momentum is expected to strengthen across the eastern seaboard. CBRE and Cushman & Wakefield forecast ongoing rental growth and resilient demand through 2025, with foreign capital continuing to play a key role in institutional-grade acquisitions.

20/11/2025

Industrial vacancies may have peaked

According to new research from Cushman & Wakefield, Australia’s logistics and industrial (L&I) market is at a key inflection point.

Tenant confidence is rebounding, but speculative development is falling fast, with a 46% drop in planned supply expected over the next two years. That means less space on the market just as 8% of total stock is due to expire, creating a sharp uplift in leasing activity.

National vacancy is tipped to tighten from 4.0% in early 2026 to just 2.5% by 2027, and further to 1.8% by 2030.

Rents are rising too, with prime net face growth forecast at 3.9% in 2026 and 2027, and a five-year CAGR of 4.8% through 2030. Incentives are expected to moderate as balance shifts back toward landlords.

“Demand is picking up while project viability is under pressure, and that’s where the market turns,” according to Cushman & Wakefield’s Luke Crawford.

If you’re in the market, the next 6-12 months may offer the last window of favourable terms before the next tightening cycle takes hold.

17/11/2025

Rental growth accelerates as supply tightens further

New data from Cotality’s Quarterly Rental Review shows national rents rose 1.4% in Q3, the fastest quarterly increase since June 2024, with annual growth climbing to 4.3%.

Sydney and Brisbane led the rebound, recording quarterly increases of 1.5 and 1.7 percentage points respectively. National vacancy has now fallen to a record low of 1.47%, less than half the pre-COVID average of 3.3%.

According to Cotality economist Kaytlin Ezzy, the key driver is chronic undersupply.

“Ongoing scarcity in ‘for rent’ listings, coupled with continued strength in rental demand, has pushed the national vacancy rate to a new record low,” she said.
Adelaide was the only capital to see conditions ease, though pressure remains elevated in most major markets.

With fewer properties available and population growth continuing, investors may see new opportunities for rental yield growth, but affordability pressures remain a growing concern for tenants.

14/11/2025

13/11/2025

How a mortgage broker can help you move faster

With more homes hitting the market and buyer activity rising, spring can be a prime time to buy, but competition is fierce. That’s where a mortgage broker can give you an edge.

1. Tailored guidance from the start

A broker takes time to understand your financial goals and borrowing capacity. They’ll compare dozens of lenders to find loan options that match your needs, not just what your bank offers.

2. Pre-approval that strengthens your offer

In a competitive market, pre-approval is your secret weapon. It shows agents you’re serious and gives you a clear price range. A broker can streamline the process and get you buyer-ready.

3. Managing the paperwork and the people

From application to settlement, your broker coordinates the key people, including lenders, conveyancers, and agents. You stay focused on finding the right home while they handle the details behind the scenes.

Speak to a mortgage broker today.

10/11/2025

Remembrance Day today at 11:00 please pause and reflect on the great sacrifice made by all armed forces and their families to protect our way of life

10/11/2025

Australians are jumping back into the property market

New data from the ABS shows home loan intentions have surged 46% since March, with 11.46% of Aussies now planning to take on a mortgage.

At the same time, the number of people saying they don’t plan to take on new debt has dropped by almost 10%.

According to Agile Market Intelligence, the expanded First Home Guarantee, which started in October, lets first home buyers get into the market with just a 5% deposit and no LMI, has been a driver of the increase.

It’s also triggered a spike in home-buying plans. Among non-owners, the number planning to buy within 12 months jumped 77% between March and September.

06/11/2025

RBA UPDATE | Effective November 5, 2025

At its second last meeting of the year, the Reserve Bank of Australia (RBA) held the official cash rate steady at 3.60%, marking the fourth consecutive pause following cuts earlier this year. Major lenders remain cautiously optimistic: ANZ and Westpac have flagged the possibility of a February 2026 cut, while NAB anticipates no movement until May.

Tanya Sale, CEO of outsource Financial, said: “Michelle Bullock at the best of times has the attitude of ‘steady as she goes’.” Based on an inflation rate rise and steady employment rate, Ms Sale stated that the RBA “would not be in a position to do anything but hold the cash rate.”

In a milestone moment for the Australian property market, Gold Coast unit prices have overtaken Sydney’s for the first time. The median unit price now sits at $956,000, edging past Sydney’s $927,000. Ray White Chief Economist Nerida Conisbee attributes the surge to population growth, easing rates, and a shortage of new homes. The upcoming Brisbane 2032 Olympic Games is also fuelling demand, with infrastructure upgrades and global attention driving long-term growth across southeast Queensland.

The RBA’s next meeting will be announced on Tuesday, December 9.

31/10/2025

Young women leading the way in first homebuyer optimism

New research from Agile Market Intelligence has found that property sentiment is on the rise, and it’s being led by young women.

Despite affordability challenges, women aged 18-34 are showing rising confidence about entering the property market.

The number planning to buy in the next 12 months has jumped by 5%, while the number saying they’ll “never buy” has dropped by the same amount.

Younger Australians overall remain more positive. Men aged 18-34 now lead buying intent at 24%, while nearly half of men (47%) and women (49%) in this age group say financial readiness is their main obstacle.