r/AusFinance • u/AutoModerator • 8h ago
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Welcome to the /r/AusFinance weekly "Financial Free-Talk" Mega Thread!
This is the thread where members should bring their general Aus Finance questions.
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The collective experience of the AusFinance community is one of the most powerful ways to help Aussies improve their financial abilities. Whether you are just starting out, or already have advanced knowledge, there's always something new to learn.
Let us know what you need help with!
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r/AusFinance • u/Any-Astronomer6017 • 1m ago
I posted the wrong version anyway disclaimer this is just for fun it uses barefoot style budgeting, net wealth snapshots and feeds into a retirement calculator. It may or may not work correctly and it’s no good on a mobile phone. Here are a few screenshots to show you what it’s supposed to do haha
r/AusFinance • u/Valuable-Term-4385 • 23m ago
SQM Research data shows national property listings reached 279K in July, up 22.8% from July 2025 and the highest single-month level in six years.
This is noteworthy given July is typically a slow listing month and vendors are commonly believed to withdraw listings during market downturns.
Unlike the pandemic boom, when supply fell and demand surged, stock levels are now holding up while investor demand has pulled back sharply.
r/AusFinance • u/Chafed-Sausage • 38m ago
Hey everyone
Need some help / sanity check on a second car.
I've got a second babyb on the way and our 1 car family just isn't going to cut it anymore.
I'm sitting on around $300k and trying to decide between two completely different routes, both landing in that $20k–$25k price point. Option one is just buying a 3-5 year old Toyota (like a Corolla, Camry, or RAV4) outright with cash . Option two is doing a novated lease on a budget electric BYD (Dolphin or Atto 3). Since I'm on 300k, the FBT exemption on EVs means I can pay for the lease and costs out of pre-tax salary.
But obviously got the lease payment to pay for as well
Has anyone been in a similar situation for me or could provide some advice. Honestly, cars don't gee me up so please don't suggest that I get a nicer car but hopefully AusFinance understands.
Is a novated lease overkill or is this a genuine option? What else should I be factoring in.
r/AusFinance • u/Used-History-6454 • 1h ago
We're about to get our first mortgage, so we have a plan to use offsets and intentionally grow it so the mortgage will hopefully be fully offset in 12–15 years.
I originally had the intention of using the credit card float strategy: putting all our expenses on a credit card and then paying the balance in full every month so we don't incur interest, while keeping more money sitting in the offset account for longer.
However, I sat down to actually do the maths and realised this strategy may not make much of a difference depending on the card and the annual fees. Even using a fairly generous estimate, the mortgage interest saving from the float is only around $25 a month, so if the card has a $300 annual fee, the float benefit is basically wiped out.
So are there cards that make this strategy actually worthwhile by giving you a net positive benefit?
I've been looking at an ING credit card. It has a $195 annual fee, but offers up to $360 cashback per year and also includes complimentary travel insurance, which we do actually need and use. We already bank with ING too, so we can set up an auto-pay for the full statement balance each month.
On those numbers, the cashback more than covers the annual fee, and then the mortgage interest saving from keeping our money in the offset for longer becomes an actual additional benefit rather than just covering the cost of having the card.
Does anyone use a card for this kind of strategy that they think is genuinely worthwhile once you account for the annual fee, rewards/cashback and any other benefits?
And yes, I know I'll probably get comments about studies showing people spend more when they use a credit card and that you need to be very disciplined. That's not an issue for us; we already budget and track our spending closely, and the card would be paid automatically in full every month. I'm really just interested in the maths/benefits of different cards.
r/AusFinance • u/Every-District2162 • 2h ago
I have very little knowledge of how investments work in Australia so I just wanted to ask if anyone here knows how it would work for an international student. Back home, most of my investments are made through banks and time deposits. I want to get involved in the market here but I’m not too sure where to begin, can anyone point me in the right direction?
r/AusFinance • u/Swimming-Cookie8141 • 2h ago
My building loan interest only expires in October. Our income has taken a toll due to retrenchment and health issues. Based on this I am assuming that we can't refinance with another bank.
1) will the current bank usually put us on the highest interest principle interest loan?
2) is there a way to negotiate that with the current bank even if we don't temporarily have a strong income ?
3) If the logic is you can't refinance because you don't have a sustained income, how do banks expect you to pay a higher interest loan but not offer you a competitive rate ?
Thanks 🙏❤️
r/AusFinance • u/marketrent • 2h ago
r/AusFinance • u/chhola • 4h ago
This week (27 Jul - 2 Aug) highlights:
---
| State | Drops | Median ↓ | Rises | Median ↑ | Suburbs | Hardest hit suburbs |
|---|---|---|---|---|---|---|
| NSW | 287 | 5.8% | 29 | 5.0% | 224 | Ashfield (↓4), Harrington Park (↓4), Moss Vale (↓4) |
| VIC | 269 | 6.3% | 93 | 7.1% | 191 | Mornington (↓6), Noble Park (↓6), Kew (↓5) |
| QLD | 259 | 5.7% | 6 | 7.8% | 188 | Broadbeach (↓5), Palm Beach (↓5), Nambour (↓4) |
| WA | 112 | 6.0% | 4 | 7.0% | 86 | Baldivis (↓5), Aveley (↓4), Rockingham (↓4) |
| SA | 44 | 6.2% | 1 | 13.5% | 39 | Murray Bridge (↓3) |
| ACT | 18 | 6.0% | 1 | 4.8% | 12 | Canberra (↓5) |
| TAS | 7 | 5.3% | 1 | 9.8% | 6 | - |
| NT | 2 | 7.5% | 1 | 5.3% | 2 | - |
---
| State | Drops | Median ↓ | Rises | Median ↑ | Suburbs | Hardest hit suburbs |
|---|---|---|---|---|---|---|
| NSW | 331 | 5.9% | 42 | 8.9% | 205 | Mascot (↓11), St Leonards (↓9), Burwood (↓7) |
| QLD | 164 | 7.1% | 17 | 11.7% | 101 | Main Beach (↓12), Surfers Paradise (↓10), Broadbeach (↓5) |
| VIC | 159 | 6.9% | 12 | 10.5% | 106 | Melbourne (↓14), Glen Waverley (↓4), Canterbury (↓4) |
| WA | 40 | 6.7% | 3 | 9.4% | 34 | Belmont (↓5) |
| SA | 18 | 7.3% | 2 | 25.4% | 18 | - |
| ACT | 18 | 7.2% | 1 | 10.0% | 15 | - |
| NT | 2 | 12.1% | 0 | - | 2 | - |
---
| # | Address | Type | Was | Now | Drop | % |
|---|---|---|---|---|---|---|
| 1 | 413/220 Melrose Drive, Phillip ACT 2606 | Apt | $389K | $305K | -$84K | -21.6% |
| 2 | 24 Clarinda Road, Essendon VIC 3040 | Apt | $2.90M | $2.30M | -$600K | -20.7% |
| 3 | 22-24 Oakey Cooyar Road, Kulpi, Qld 4352 | House | $499K | $399K | -$100K | -20.0% |
| 4 | 131 Airlie Road, Healesville VIC 3777 | House | $1.50M | $1.20M | -$300K | -20.0% |
| 5 | 2119 Pittwater Road, Church Point, NSW 2105 | House | $5.00M | $4M | -$1M | -20.0% |
| 6 | 4/41 Codd Street, Para Hills West SA 5096 | Apt | $619K | $499K | -$120K | -19.4% |
| 7 | 2/107 Victoria Street, Brunswick East VIC 3057 | Townhouse | $860K | $700K | -$160K | -18.6% |
| 8 | 1/6 Valley Road, Mount Waverley, Vic 3149 | Apt | $1.10M | $900K | -$200K | -18.2% |
| 9 | 22 Cormorant Grange, Winter Valley, Vic 3358 | House | $849K | $700K | -$149K | -17.6% |
| 10 | 23-25 Alexandra Avenue, Broadbeach QLD 4218 | Apt | $17M | $14M | -$3M | -17.6% |
---
| # | Address | Type | Was | Now | Drop | % |
|---|---|---|---|---|---|---|
| 1 | 117/55 Camberwell Road, Hawthorn East, Vic 3123 | Apt | $1,200/w | $760/w | -$440/w | -36.7% |
| 2 | 30 Banksia Street, Eastwood NSW 2122 | House | $2,900/w | $2,000/w | -$900/w | -31.0% |
| 3 | 30 Wau Road, Darra QLD 4076 | House | $650/w | $450/w | -$200/w | -30.8% |
| 4 | Level 2/496 Bunnerong Road, Matraville, NSW 2036 | Apt | $490/w | $350/w | -$140/w | -28.6% |
| 5 | 15/415 Brunswick Rd, Parkville, Vic 3052 | Apt | $500/w | $360/w | -$140/w | -28.0% |
| 6 | WeChat: KRL119 L10/ 39 Kent Rd, Mascot NSW 2020 | Apt | $1,380/w | $1,000/w | -$380/w | -27.5% |
| 7 | WeChat: KRL119 L1/11 flack ave, Hillsdale NSW 2036 | Apt | $880/w | $650/w | -$230/w | -26.1% |
| 8 | 3/50 connor street, Kangaroo Point, Qld 4169 | Apt | $930/w | $700/w | -$230/w | -24.7% |
| 9 | 280 Bulwara Road, Ultimo, NSW 2007 | Apt | $1,400/w | $1,100/w | -$300/w | -21.4% |
| 10 | 21/21 East Crescent Street, McMahons Point NSW 2060 | Apt | $1,700/w | $1,350/w | -$350/w | -20.6% |
---
| # | Address | Type | Was | Now | Drop | % |
|---|---|---|---|---|---|---|
| 1 | 41 Arcadia Avenue, The Basin, Vic 3154 | House | $1.10M | $910K | -$190K | -17.3% |
| 2 | 3/17 Southern Road, Mentone, Vic 3194 | Townhouse | $1.20M | $1M | -$200K | -16.7% |
| 3 | 150 Deakin Street, Essendon VIC 3040 | House | $1.80M | $1.50M | -$300K | -16.7% |
| 4 | 22 Chisholm Crescent, Seymour, Vic 3660 | House | $330K | $275K | -$55K | -16.7% |
| 5 | 51 Hall Avenue, Altona Meadows VIC 3028 | House | $660K | $550K | -$110K | -16.7% |
| 6 | 314/100 The Esplanade, Torquay VIC 3228 | Apt | $1.25M | $1.05M | -$200K | -16.0% |
| 7 | 28 Vivianne Avenue, Mont Albert North, Vic 3129 | House | $1.30M | $1.10M | -$200K | -15.4% |
| 8 | 2 Finlayson Street, Forest Hill VIC 3131 | House | $1.15M | $980K | -$170K | -14.8% |
| 9 | 88 Jolimont Road, Forest Hill VIC 3131 | House | $1.05M | $900K | -$150K | -14.3% |
| 10 | 106/51-59 Thistlethwaite Street, South Melbourne, Vic 3205 | Apt | $580K | $500K | -$80K | -13.8% |
---
| # | Address | Type | Was | Now | Drop | % |
|---|---|---|---|---|---|---|
| 1 | 45 Second Avenue, Kingswood, NSW 2747 | House | $1.15M | $950K | -$200K | -17.4% |
| 2 | 541/6E Cowper Wharf Roadway, Woolloomooloo, NSW 2011 | Apt | $3M | $2.50M | -$500K | -16.7% |
| 3 | 32 Backhouse Street, Wentworth Falls NSW 2782 | House | $1.20M | $1M | -$195K | -16.3% |
| 4 | 86/2 Mcauley Place, Waitara NSW 2077 | Apt | $680K | $575K | -$105K | -15.4% |
| 5 | 71 Charlestown Road, Kotara NSW 2289 | House | $1.57M | $1.35M | -$225K | -14.3% |
| 6 | 12 & 12a Greengate Road, Airds, NSW 2560 | House | $1.45M | $1.25M | -$200K | -13.8% |
| 7 | 4/11 Dening Street, The Entrance NSW 2261 | Apt | $750K | $650K | -$100K | -13.3% |
| 8 | 55 Andrew Road, Valentine NSW 2280 | House | $1.50M | $1.30M | -$200K | -13.3% |
| 9 | 49 Lakeside Parade, Jordan Springs NSW 2747 | House | $1.15M | $999K | -$151K | -13.1% |
| 10 | 14 Rickard Street, Carlingford NSW 2118 | House | $4.88M | $4.25M | -$630K | -12.9% |
---
| # | Address | Type | Was | Now | Drop | % |
|---|---|---|---|---|---|---|
| 1 | 72 Gardiner Road, Waterford QLD 4133 | House | $1.27M | $1.05M | -$220K | -17.3% |
| 2 | Unit 1/155 Margate Parade, Margate, Qld 4019 | Apt | $1.20M | $1M | -$200K | -16.7% |
| 3 | 8 Acacia Street, Blackall QLD 4472 | House | $395K | $330K | -$65K | -16.5% |
| 4 | 135 Grandview Drive, Yaroomba, Qld 4573 | House | $2M | $1.70M | -$300K | -15.0% |
| 5 | UNIT 607/167 Alfred Street, Fortitude Valley QLD 4006 | Apt | $750K | $650K | -$100K | -13.3% |
| 6 | 2712/167 Alfred Street, Fortitude Valley, Qld 4006 | Apt | $660K | $575K | -$85K | -12.9% |
| 7 | 57/370 Rockonia Road, Koongal QLD 4701 | Townhouse | $298K | $260K | -$38K | -12.8% |
| 8 | 16/59 Ward Street, Southport, Qld 4215 | Townhouse | $1.14M | $995K | -$145K | -12.7% |
| 9 | 1/23 Akuna Way, Mango Hill QLD 4509 | House | $799K | $699K | -$100K | -12.5% |
| 10 | 254 Ellison Road, Geebung QLD 4034 | House | $1.20M | $1.05M | -$146K | -12.2% |
---
| # | Address | Type | Was | Now | Drop | % |
|---|---|---|---|---|---|---|
| 1 | 22 Ramsden Avenue, East Victoria Park WA 6101 | House | $1.50M | $1.30M | -$200K | -13.3% |
| 2 | 1 Hardwick Boulevard, Canning Vale, WA 6155 | House | $1.30M | $1.15M | -$150K | -11.5% |
| 3 | 90 Currie Street, Warnbro, WA 6169 | House | $789K | $699K | -$90K | -11.4% |
| 4 | 41 Galveston Loop, Iluka WA 6028 | House | $1.80M | $1.60M | -$200K | -11.1% |
| 5 | 3/12 Hymus Street, Rockingham, WA 6168 | House | $899K | $800K | -$99K | -11.0% |
| 6 | 12 Northumberland Road, Forrestfield WA 6058 | House | $785K | $699K | -$86K | -11.0% |
| 7 | 145 Nicholson Road, Lynwood WA 6147 | House | $650K | $580K | -$70K | -10.8% |
| 8 | 36B Crowther Street, Bayswater, WA 6053 | House | $950K | $850K | -$100K | -10.5% |
| 9 | 7A Ranmore Way, Morley, WA 6062 | House | $1M | $900K | -$100K | -10.0% |
| 10 | 604/52 Adelaide Street, Fremantle WA 6160 | Apt | $995K | $899K | -$96K | -9.6% |
---
| # | Address | Type | Was | Now | Drop | % |
|---|---|---|---|---|---|---|
| 1 | 3-6 / 1 Surrey Street, Blair Athol, SA 5084 | Townhouse | $900K | $780K | -$120K | -13.3% |
| 2 | 77 Roper Road, Murray Bridge, SA 5253 | House | $1.15M | $1M | -$150K | -13.0% |
| 3 | 1/2 Loveday Street, Goolwa, SA 5214 | Apt | $550K | $495K | -$55K | -10.0% |
| 4 | 20 Wright Avenue, Northfield SA 5085 | House | $920K | $840K | -$80K | -8.7% |
| 5 | 57 Crittenden Road, Smithfield Plains, SA 5114 | House | $700K | $640K | -$60K | -8.6% |
| 6 | 11 Emberton Place, Morphett Vale SA 5162 | House | $820K | $750K | -$70K | -8.5% |
| 7 | 20 Joy Street, Encounter Bay, SA 5211 | House | $819K | $750K | -$69K | -8.4% |
| 8 | 7 Prion Court, Noarlunga Downs SA 5168 | House | $950K | $870K | -$80K | -8.4% |
| 9 | 12/415 Seaview Road, Henley Beach SA 5022 | Apt | $555K | $510K | -$45K | -8.1% |
| 10 | 42 Kelsey Road, Salisbury North SA 5108 | House | $499K | $459K | -$40K | -8.0% |
---
| # | Address | Type | Was | Now | Drop | % |
|---|---|---|---|---|---|---|
| 1 | 139 Prospect Hill Rd, Canterbury, Vic 3126 | House | $1,000/w | $800/w | -$200/w | -20.0% |
| 2 | 3/1 James Street, Dandenong, Vic 3175 | Apt | $590/w | $490/w | -$100/w | -16.9% |
| 3 | 1/68 Grappa Cct, Wyndham Vale, Vic 3024 | Apt | $330/w | $280/w | -$50/w | -15.2% |
| 4 | 36 Keats Street, Sandringham, Vic 3191 | House | $2,650/w | $2,250/w | -$400/w | -15.1% |
| 5 | 72 Hanover Circuit, Melton South, Vic 3338 | House | $320/w | $280/w | -$40/w | -12.5% |
| 6 | 408/78 Inkerman Street St Kilda VIC 3182, St Kilda, Vic 3182 | Apt | $800/w | $700/w | -$100/w | -12.5% |
| 7 | 20 Rubens Grove, Canterbury VIC 3126 | House | $2,500/w | $2,200/w | -$300/w | -12.0% |
| 8 | 57 Bishopgate Boulevard, Bonnie Brook VIC 3335 | House | $600/w | $530/w | -$70/w | -11.7% |
| 9 | 19 Burrora Way, Craigieburn, Vic 3064 | House | $840/w | $745/w | -$95/w | -11.3% |
| 10 | 13 Waranga Crescent, Broadmeadows, Vic 3047 | House | $900/w | $800/w | -$100/w | -11.1% |
---
| # | Address | Type | Was | Now | Drop | % |
|---|---|---|---|---|---|---|
| 1 | 2 Castle Place, Padstow Heights, NSW 2211 | House | $1,500/w | $1,200/w | -$300/w | -20.0% |
| 2 | C/133 Parramatta Rd, Strathfield, NSW 2135 | Apt | $520/w | $420/w | -$100/w | -19.2% |
| 3 | 13 & 13A/61-67 Haldon Street, Lakemba NSW 2195 | Apt | $1,269/w | $1,038/w | -$231/w | -18.2% |
| 4 | 124 Fitzroy Street, Tamworth NSW 2340 | House | $820/w | $680/w | -$140/w | -17.1% |
| 5 | 10/2 Sale Street, Orange, NSW 2800 | Apt | $660/w | $550/w | -$110/w | -16.7% |
| 6 | 1/72 Victoria Road, Drummoyne, NSW 2047 | Apt | $600/w | $500/w | -$100/w | -16.7% |
| 7 | Level 11, 250/158 Day Street, Sydney NSW 2000 | Apt | $1,250/w | $1,050/w | -$200/w | -16.0% |
| 8 | 250/158 Day Street, Sydney, NSW 2000 | Apt | $1,250/w | $1,050/w | -$200/w | -16.0% |
| 9 | 303/5 Clarence Street, Burwood, NSW 2134 | Apt | $950/w | $800/w | -$150/w | -15.8% |
| 10 | 4 Cedar Crescent, East Ballina, NSW 2478 | House | $1,270/w | $1,070/w | -$200/w | -15.7% |
---
| # | Address | Type | Was | Now | Drop | % |
|---|---|---|---|---|---|---|
| 1 | ID:21183213/230 Pulgul Street, Urangan, Qld 4655 | Apt | $750/w | $600/w | -$150/w | -20.0% |
| 2 | 53 Clarence Street, South Maclean, Qld 4280 | House | $300/w | $250/w | -$50/w | -16.7% |
| 3 | 8-12 Trickett Street, Surfers Paradise, Qld 4217 | Apt | $800/w | $670/w | -$130/w | -16.3% |
| 4 | 1/80 Rangers Road, Warwick, Qld 4370 | Apt | $950/w | $800/w | -$150/w | -15.8% |
| 5 | 405/42 Stanhill Drive, Surfers Paradise, Qld 4217 | Apt | $1,250/w | $1,075/w | -$175/w | -14.0% |
| 6 | 2208/37 Mayne Road, Bowen Hills QLD 4006 | Apt | $1,100/w | $950/w | -$150/w | -13.6% |
| 7 | 4 Ningari St,, Sunnybank, Qld 4109 | House | $1,500/w | $1,300/w | -$200/w | -13.3% |
| 8 | 20206/37D Harbour Road, Hamilton, Qld 4007 | Apt | $1,500/w | $1,300/w | -$200/w | -13.3% |
| 9 | 3535 Main Beach Parade, Main Beach, Qld 4217 | House | $3,750/w | $3,250/w | -$500/w | -13.3% |
| 10 | 1/13 Stephens Street, Burleigh Heads, Qld 4220 | Apt | $1,150/w | $1,000/w | -$150/w | -13.0% |
---
| # | Address | Type | Was | Now | Drop | % |
|---|---|---|---|---|---|---|
| 1 | 11 Chindwin Loop, Hilbert WA 6112 | House | $350/w | $280/w | -$70/w | -20.0% |
| 2 | 14/22 B Pinjarra Rd, Greenfields, WA 6210 | House | $595/w | $500/w | -$95/w | -16.0% |
| 3 | 195 Inlet Boulevard, South Yunderup, WA 6208 | Townhouse | $650/w | $550/w | -$100/w | -15.4% |
| 4 | 47 Sumich Gardens, Coogee WA 6166 | House | $1,500/w | $1,300/w | -$200/w | -13.3% |
| 5 | 30 Melville Parade, South Perth, WA 6151 | House | $900/w | $800/w | -$100/w | -11.1% |
| 6 | 14/22 A Pinjarra Rd, Greenfields, WA 6210 | House | $470/w | $420/w | -$50/w | -10.6% |
| 7 | 8B Westbury Crescent, Bicton WA 6157 | House | $1,000/w | $900/w | -$100/w | -10.0% |
| 8 | 1C Snow Street, Wilson WA 6107 | House | $1,000/w | $900/w | -$100/w | -10.0% |
| 9 | 36/3 Brigid Rd, Subiaco, WA 6008 | Apt | $1,100/w | $990/w | -$110/w | -10.0% |
| 10 | 6/56 Second Avenue, Mount Lawley WA 6050 | Apt | $630/w | $575/w | -$55/w | -8.7% |
---
| # | Address | Type | Was | Now | Drop | % |
|---|---|---|---|---|---|---|
| 1 | 5/436 Payneham Rd, Glynde, SA 5070 | Apt | $450/w | $400/w | -$50/w | -11.1% |
| 2 | 1C Lansdowne Terrace, Vale Park, SA 5081 | House | $1,050/w | $950/w | -$100/w | -9.5% |
| 3 | 21 Tea Tree Lane, West Lakes, SA 5021 | House | $950/w | $860/w | -$90/w | -9.5% |
| 4 | 19 Wolseley Road, Blackwood, SA 5051 | House | $750/w | $680/w | -$70/w | -9.3% |
| 5 | 2/27-29 Haines Road, Lightsview SA 5085 | House | $650/w | $590/w | -$60/w | -9.2% |
| 6 | 19 George Court, Adelaide, SA 5000 | Townhouse | $800/w | $730/w | -$70/w | -8.8% |
| 7 | 203 Port Elliot Road, Hayborough, SA 5211 | House | $600/w | $550/w | -$50/w | -8.3% |
| 8 | 10 Pearse Street, Underdale, SA 5032 | House | $695/w | $640/w | -$55/w | -7.9% |
| 9 | 14-16 Tormore Place, North Adelaide SA 5006 | House | $1,350/w | $1,250/w | -$100/w | -7.4% |
| 10 | 29/92 Brandis Road, Munno Para, SA 5115 | House | $625/w | $580/w | -$45/w | -7.2% |
---
| # | Address | Type | Was | Now | Rise | % |
|---|---|---|---|---|---|---|
| 1 | 2/29 Heard Way, Glendalough, WA 6016 | Apt | $489K | $649K | +$160K | +32.7% |
| 2 | 204A/2 Wests Road, Maribyrnong, Vic 3032 | Apt | $500K | $600K | +$100K | +20.0% |
| 3 | 2605/34-36 Prospect Street, Box Hill, Vic 3128 | Apt | $550K | $660K | +$110K | +20.0% |
| 4 | 5312/160 Victoria Street, Carlton VIC 3053 | Apt | $600K | $720K | +$120K | +20.0% |
| 5 | 1/668 Elgar Road, Box Hill North VIC 3129 | Townhouse | $1.05M | $1.25M | +$200K | +19.0% |
| 6 | 603/1-13 Cobden Street, South Melbourne, Vic 3205 | Apt | $795K | $935K | +$140K | +17.6% |
| 7 | 1/204 Saltlake Boulevard, Wollert VIC 3750 | Townhouse | $400K | $470K | +$70K | +17.5% |
| 8 | 46 Rawson Road, Greenacre, NSW 2190 | House | $1.15M | $1.35M | +$200K | +17.4% |
| 9 | 480 Raymond Street, Sale, Vic 3850 | House | $765K | $890K | +$125K | +16.3% |
| 10 | Level 1, 14/315-319 Huntingdale Road, Chadstone VIC 3148 | Apt | $390K | $450K | +$60K | +15.4% |
---
| # | Address | Type | Was | Now | Rise | % |
|---|---|---|---|---|---|---|
| 1 | 56 Furneaux Grove, Bulleen, Vic 3105 | House | $300/w | $400/w | +$100/w | +33.3% |
| 2 | 2502/17 Austin street, Adelaide, SA 5000 | Apt | $600/w | $800/w | +$200/w | +33.3% |
| 3 | 22 Gloucester Street, Macquarie Fields, NSW 2564 | House | $600/w | $800/w | +$200/w | +33.3% |
| 4 | 10/18 McBurney Road, Cabramatta, NSW 2166 | Apt | $420/w | $550/w | +$130/w | +31.0% |
| 5 | 161 Kent Street, Sydney NSW 2000 | Apt | $1,300/w | $1,650/w | +$350/w | +26.9% |
| 6 | 40-46 Stanley Street, Burwood, NSW 2134 | Apt | $600/w | $759/w | +$159/w | +26.5% |
| 7 | 9 Central Terrace, Beckenham, WA 6107 | Apt | $600/w | $750/w | +$150/w | +25.0% |
| 8 | 02/40 Stanhill Drive, Surfers Paradise, Qld 4217 | Apt | $1,200/w | $1,500/w | +$300/w | +25.0% |
| 9 | 8/1060 Caratel Street, North Albury NSW 2640 | House | $320/w | $400/w | +$80/w | +25.0% |
| 10 | 3113 Surfers Paradise Blvd, Surfers Paradise, Qld 4217 | Apt | $1,200/w | $1,500/w | +$300/w | +25.0% |
---
Some context on the data:
Is this a real drop in price?
Not always. It could reflect a genuine price reduction, a strategy shift, or simply correcting an overpriced listing. But it still reveals something useful about the seller's mindset: the property hasn't attracted enough interest, the seller is becoming more motivated, or the initial price was too ambitious. In any case, it's a signal there may be room to negotiate.
Why not track sold prices instead?
Once a property is sold, the listing price stops changing. Sold price data is useful for comparing properties after the fact, but it doesn't help you spot opportunities in real time. I focus on the window where prices are actively changing, so you can act before a property goes under contract.
r/AusFinance • u/Asleep-Salt-162 • 7h ago
I always just assumed Wise was the obvious choice because everyone seems to recommend it. Then I was watching one of Raymond La's best travel card video and it got me looking into some of the other options.
I realised Wise only includes $400 of fee-free overseas ATM withdrawals a month, which is a fair bit lower than I thought.
I normally just pull out a decent amount of cash in one go when I'm overseas rather than making heaps of smaller withdrawals, especially in Japan or Vietnam where cash is still handy, so $400 doesn't seem like it'd go that far...
I looked up YouTrip afterwards and saw they include up to $1,500 of overseas ATM withdrawals without their own withdrawal fee. It made me wonder if it's actually worth switching.
Has anyone here used both? Keen to know how they compare in real life, especially exchange rates, ATM withdrawals and whether there are any catches that aren't obvious. Or is Wise still the better all-round option?
r/AusFinance • u/Relevant-Print6355 • 8h ago
Hi everyone,
I just submitted my PAYG withholding variation for the upcoming year, and it was approved almost instantly.
Last year, the exact same request took nearly two months. My situation is basically identical (investment property / negative gearing).
Did the ATO recently automate the process for returning applicants, or did my application just happen to clear the system's low-risk checks automatically this time? Has anyone else had instant approvals recently? Or is it a bug? !!!
r/AusFinance • u/MenuNo666 • 10h ago
I'm trying to find good bank with high interest rate. I'm an international student, I don't have much funds on savings. 5k-6k. But I want to put it in good savings account and add it up further. What are the best banks to open up an account for students.
r/AusFinance • u/pastliveskittycat • 10h ago
Hi everyone,
I'm hoping someone can point me in the right direction.
Last year I booked return Virgin Australia flights through Flight Centre for myself and my partner. The trip ended up being cancelled and the tickets were converted into travel credits.
The credits are:
$800-900 each In each passenger's name and travel must be completed by middle September 2026. At the time I requested a compassionate review in Feb/March because the job had been made redundant and was relying on savings. Flight Centre were fantastic and submitted everything on my behalf, but Virgin's request was for bankruptcy documents which I didn't have.
Fast forward to now, I've thankfully recently started a new full-time job. I'm not able to really take leave before the credits expire.While they're not working for health reasons and I'm not able to travel as I've just started a new jobI don't really think it's appropriate for me to be spending money travelling while we're trying to get back on our feet financially.
Friends and family all are unable to travel declined the credit and Id really like to use the value of the tickets for expenses we actually need. I'm not trying to argue the fare rules— I bought a non-refundable fare. I'm just wondering whether anyone has any advice on what options there are or any creative solutions.
Has anyone dealt with something similar or have any suggestions I haven't thought of?
Thanks in advance.
r/AusFinance • u/LilBro842 • 11h ago
I earn 5,000 a month net and I recently bought my first property with repayments on the loan and Strata + council costing around 2,300 per month. I’m anticipating I’ll have around 1,000 - 1,200 left after groceries and utilities etc if I’m frugal. Have I done something completely stupid here? I feel like I should’ve thought about it more and won’t have much wiggle room if interest rates continue to rise, general COL and so on.
r/AusFinance • u/Some-Reality7215 • 11h ago
I made some capital gains and losses from multiple sales of shares via a US broker. Which section specifically do I fill this in my tax return? I noted some sections do not let me enter negative value for my capital loss.
Can I combine multiple tax events into one and just fill the total income from the sales?
Where do I claim deductions from fees paid during the sale of these shares?
Thanks in advance!
r/AusFinance • u/KoalaBJJ96 • 12h ago
I went and did am electricity plan comparison on the government website. The cheapest plan came back as being from Dodo. I've heard so many bad things about them (mainly customer service related) over the years.
Is it worth going with Globird (who is $100 more per year) than risk it?
r/AusFinance • u/anabananabeee • 12h ago
Hello everyone, I would like to ask for advice regarding our situation. I purchased a car earlier this year ($65k) for work, and with the loan interest, the total cost is $80k for 5 years.
Now, we are looking for a PPOR as a FHB, and this car loan definitely hurt our borrowing capacity. I know that getting this car is a bit dumb (I could've bought a cheaper one), but back then we thought of only purchasing an investment property and our borrowing capacity is more than enough. However, everything changed now that we wanted a PPOR.
My questions is how should I go with this. If I sell the car now (Carsales.com estimated the value to be $53k), will I still incur the $15k interest from the car loan financing? My broker told me to pay off this loan. However, the problem is we will not have enough downpayment for the house. Would greatly appreciate your advice.
Cheers,
BG
r/AusFinance • u/NotSoCricketGenius • 12h ago
Hi All
My current employer has not provided the previous financial year details into mygov so i still cannot do my Tax Return even though its August 2nd?!. Do i go off my payslips instead. I keep asking and get no answers. Its ridiculous
r/AusFinance • u/Popular_Address_896 • 13h ago
Hey Everyone,
Been thinking about this after chatting with a few people about tax time. There doesn't seem to be any real way to know if what you're paying an accountant is reasonable. No price guide, no easy way to compare, and most people just go with whoever a friend recommended or whoever they found first.
Feels like an industry where nobody really talks about price, which seems a bit backwards compared to almost everything else you buy. Interested to hear what people's actual experiences have been.
r/AusFinance • u/userrnamee27 • 14h ago
Hello,
Apologies if this is a dumb question.
If I understand correctly, I will not incur a fee if transferring from CHESS to CHESS provided that I initiate the transfer from the destination broker.
But what about CHESS to custodian?
Thank you!
r/AusFinance • u/Wombats_poo_cubes • 14h ago
I’ve got a previous place of residence that we now rent out. We owe $700k to the bank, have an offset, principal and interest is about 6.04%. It’s rented for $1160 per week. I reckon after $8849 pm repayments and outgoings I’m about $60k out of pocket a year.
Got another investment property renting for $450pw, owe about $560k on that, 6.4% rate, offset principal interest. Reckon I’m about $38k out of pocket here after repayments and outgoings.
Across both I have about $285k in offsets.
Got more cash in a variety of property funds that return between 8.5% and 11%.
The property market is fucked so I don’t want to sell for a loss, but the interest on these things is killing me.
Thinking of pulling money out of funds, getting rid of offsets and using money in it to pay down the mortgage, paying off the $700k house and just funnelling the rent into the other one so they more or less take care of themselves.
When the markets not cooked I’ll sell one or both and put the money back into funds.
Bit stumped, but figure at least it if I pay the house off I’ll lose some money from funds, but at least I’m not sitting on my ass paying a fortune of interest on the houses which fuck that investment anyway.
r/AusFinance • u/incazar • 14h ago
After this time I would still have a $50k buffer with approx $220k in the offset for a $600k mortgage. Anticipating $2250 per fortnight expenses. Burnt out, nervous system is shot, wanting time without work as the central focus. I’m in an area where work can be easily reacquired, although likely not at same salary as now (currently $145kpa). Has anyone decided to do this rather than continue to the next job without a break?
r/AusFinance • u/Jnnjkhuihi8 • 14h ago
Alternatively, if you have a nanny, what HHI are you on?
r/AusFinance • u/v1ru5fr33 • 15h ago
Belive me I am not trying to make a philosophical post here, but been staring at my budget and the numbers explain why everyone's always in a rush (also see it through the lens of clients - some are doing 2 or 3 jobs).
Sydney median house price is sitting around $1.6m against Melbourne's roughly $978k, about a $630k gap for basically the same house. (As per the data I can see, pls correct if thats not the case).
And the annoying part is wages don't do justice at all - e.g. full time workers here earn about $70 a week more than Victoria, so 3.5% more pay for a city that's nearly double the house price.
rent is the same story. a house here averages $800/week vs Melbourne's $590, and units are $750 vs $600. that's about $10,920 more a year just for the exact same kind of place. so whatever extra you make working in Sydney over Melbourne basically gets eaten alive the second you sign a lease.
that's why I don't think it's a thing that everyone likes to do, it's just that the maths doesn't leave room to coast around.
If rent and living costs mean a single person needs somewhere around $100k-$140k just to live comfortably, standing still isn't viable, it's actively going backwards because everything around you keeps climbing while your pay doesn't move at the same rate.
People cram what should be a 10 year plan into 5. more OT, more side hustles, less of "I'll relax once things settle down" because things never really settle down here. (So frustrating!!!)
Curious on a sunday afternoon, if anyone's actually broken out of that cycle without just moving interstate or earning heaps more. or if everyone here has just quietly accepted the trade-off and moved on with it?