[{"data":1,"prerenderedAt":1601},["ShallowReactive",2],{"post-builder-insolvency-2026-house-and-land-due-diligence-dev":3,"published-cities":786,"blog-posts-shared":865,"blog-data-builder-insolvency-2026-house-and-land-due-diligence-dev":1446},{"_path":4,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":8,"description":9,"image":10,"date":11,"author_name":12,"author_avatar":13,"tags":14,"category":20,"reading_time":21,"body":22,"_type":779,"_id":780,"_source":781,"_file":782,"_stem":783,"_extension":784,"sitemap":785},"/blog/builder-insolvency-2026-house-and-land-due-diligence","blog",false,"","If Your Builder Goes Under: Due Diligence Before You Sign a Build Contract in 2026","A record 3,490 construction firms failed in one year and costs are rising again. What home warranty insurance covers, what it does not, and how to vet a builder.","https://images.unsplash.com/photo-1785585508606-36e0b82f4887?q=80&auto=format","2026-09-04","Anderson Aguiar","https://i.imgur.com/btHZbrU.jpeg",[15,16,17,18,19],"property-guides","due-diligence","new-builds","buying-guide","2026-market","Property Guides","11 min read",{"type":23,"children":24,"toc":758},"root",[25,33,38,45,50,143,148,153,158,164,169,174,179,184,190,195,251,256,262,267,368,373,399,404,410,415,498,504,509,519,529,539,549,555,577,598,627,633,638,643,649,656,661,667,672,678,683,689,694,700,705,710,714,720],{"type":26,"tag":27,"props":28,"children":29},"element","p",{},[30],{"type":31,"value":32},"text","There is a specific kind of Australian nightmare that has become common enough to have a shape. You sign a fixed-price contract, you pay a deposit and two progress payments, the slab goes down and the frame goes up, and then the site goes quiet. The builder stops answering. A liquidator's letter arrives. Your half-built house sits in the weather while your mortgage keeps accruing, because your obligation to the bank did not collapse when your builder did.",{"type":26,"tag":27,"props":34,"children":35},{},[36],{"type":31,"value":37},"A record 3,490 construction firms entered insolvency in 2024-25, and construction now accounts for roughly one in four business collapses across the entire Australian economy. If you are signing a build contract in 2026, this is not a tail risk you can wave away. It is the single largest thing standing between you and the house you are paying for, and it is manageable if you do the work before you sign rather than after.",{"type":26,"tag":39,"props":40,"children":42},"h2",{"id":41},"the-numbers-behind-the-risk",[43],{"type":31,"value":44},"The numbers behind the risk",{"type":26,"tag":27,"props":46,"children":47},{},[48],{"type":31,"value":49},"The insolvency data is worse than most buyers realise, and the shape of it matters.",{"type":26,"tag":51,"props":52,"children":53},"table",{},[54,73],{"type":26,"tag":55,"props":56,"children":57},"thead",{},[58],{"type":26,"tag":59,"props":60,"children":61},"tr",{},[62,68],{"type":26,"tag":63,"props":64,"children":65},"th",{},[66],{"type":31,"value":67},"Measure",{"type":26,"tag":63,"props":69,"children":70},{},[71],{"type":31,"value":72},"Latest figure",{"type":26,"tag":74,"props":75,"children":76},"tbody",{},[77,91,104,117,130],{"type":26,"tag":59,"props":78,"children":79},{},[80,86],{"type":26,"tag":81,"props":82,"children":83},"td",{},[84],{"type":31,"value":85},"Construction insolvencies, 2024-25",{"type":26,"tag":81,"props":87,"children":88},{},[89],{"type":31,"value":90},"3,490, a record",{"type":26,"tag":59,"props":92,"children":93},{},[94,99],{"type":26,"tag":81,"props":95,"children":96},{},[97],{"type":31,"value":98},"Share of all Australian business insolvencies",{"type":26,"tag":81,"props":100,"children":101},{},[102],{"type":31,"value":103},"roughly one in four",{"type":26,"tag":59,"props":105,"children":106},{},[107,112],{"type":26,"tag":81,"props":108,"children":109},{},[110],{"type":31,"value":111},"Change since the pandemic",{"type":26,"tag":81,"props":113,"children":114},{},[115],{"type":31,"value":116},"insolvencies have roughly doubled",{"type":26,"tag":59,"props":118,"children":119},{},[120,125],{"type":26,"tag":81,"props":121,"children":122},{},[123],{"type":31,"value":124},"Builders with fewer than 5 employees",{"type":26,"tag":81,"props":126,"children":127},{},[128],{"type":31,"value":129},"63% of collapses",{"type":26,"tag":59,"props":131,"children":132},{},[133,138],{"type":26,"tag":81,"props":134,"children":135},{},[136],{"type":31,"value":137},"NSW share of national construction insolvencies",{"type":26,"tag":81,"props":139,"children":140},{},[141],{"type":31,"value":142},"43.6%, with 1,567 firms in 2024-25",{"type":26,"tag":27,"props":144,"children":145},{},[146],{"type":31,"value":147},"Two things stand out. Small builders dominate the failures, which is exactly the segment most likely to be building a single house on a single block for a single family. And New South Wales carries a disproportionate share, which is worth knowing if you are building in Sydney or on the Central Coast.",{"type":26,"tag":27,"props":149,"children":150},{},[151],{"type":31,"value":152},"The cost side explains why. House construction prices rose more than 40% between 2020 and 2024, and forecasts point to a further 4% to 6% increase across major cities in 2026. Materials with petroleum in their supply chain have moved hardest: plastic pipes up 36%, bitumen anticipated to rise more than 50%, with diesel climbing since conflict in the Middle East disrupted oil markets. Analysts have suggested those pressures could add up to $50,000 to the cost of a new home.",{"type":26,"tag":27,"props":154,"children":155},{},[156],{"type":31,"value":157},"Build times have stretched by up to 80%, and total dwelling approvals fell 10.5% in March 2026 with higher density approvals down 26.0%. Longer builds mean more months of cost exposure on a fixed price, which is precisely the trap.",{"type":26,"tag":39,"props":159,"children":161},{"id":160},"why-builders-fail-and-why-it-is-not-usually-incompetence",[162],{"type":31,"value":163},"Why builders fail, and why it is not usually incompetence",{"type":26,"tag":27,"props":165,"children":166},{},[167],{"type":31,"value":168},"The failure mechanism is almost always the same, and understanding it tells you what to look for.",{"type":26,"tag":27,"props":170,"children":171},{},[172],{"type":31,"value":173},"Australian residential builders work on fixed-price contracts. The price is locked at signing, but the costs are incurred over the following twelve to twenty-four months. If materials rise 15% during the build, the builder absorbs the difference out of a margin that was typically 5% to 10% to begin with. One bad quarter of material pricing turns a profitable job into a loss, and a builder carrying six jobs simultaneously can be insolvent while every site looks busy.",{"type":26,"tag":27,"props":175,"children":176},{},[177],{"type":31,"value":178},"That is why the classic warning sign is not a builder who looks broke. It is a builder who is very cheap and very busy. A quote 15% below the field is not efficiency, it is usually a bid to win cash flow to fund the previous job, and that is the structure of the problem: when it stops, it stops for everyone at once, and subcontractors go down with it.",{"type":26,"tag":27,"props":180,"children":181},{},[182],{"type":31,"value":183},"The policy response has been modest. Queensland and NSW have deferred the National Construction Code 2025 by twelve months to relieve cost pressure, and industry bodies have called for low-cost dispute resolution and better business training for trades. None of that protects an individual contract you sign this month.",{"type":26,"tag":39,"props":185,"children":187},{"id":186},"what-actually-happens-when-your-builder-collapses",[188],{"type":31,"value":189},"What actually happens when your builder collapses",{"type":26,"tag":27,"props":191,"children":192},{},[193],{"type":31,"value":194},"The sequence is well established, and it is slower and more expensive than people expect.",{"type":26,"tag":196,"props":197,"children":198},"ol",{},[199,211,221,231,241],{"type":26,"tag":200,"props":201,"children":202},"li",{},[203,209],{"type":26,"tag":204,"props":205,"children":206},"strong",{},[207],{"type":31,"value":208},"Work stops.",{"type":31,"value":210}," The site is secured and your access may be restricted. Weather damage to an exposed frame starts accumulating from day one.",{"type":26,"tag":200,"props":212,"children":213},{},[214,219],{"type":26,"tag":204,"props":215,"children":216},{},[217],{"type":31,"value":218},"A liquidator or administrator is appointed.",{"type":31,"value":220}," They act for creditors, not for you. Your contract is one asset among many.",{"type":26,"tag":200,"props":222,"children":223},{},[224,229],{"type":26,"tag":204,"props":225,"children":226},{},[227],{"type":31,"value":228},"You lodge a home warranty claim.",{"type":31,"value":230}," This is the state-based insurance that covers non-completion and defects, and it is where most of your recovery comes from.",{"type":26,"tag":200,"props":232,"children":233},{},[234,239],{"type":26,"tag":204,"props":235,"children":236},{},[237],{"type":31,"value":238},"You engage a new builder.",{"type":31,"value":240}," Almost always at a higher price than your original contract, because the new builder is inheriting someone else's partial work and carrying the risk of defects they did not create.",{"type":26,"tag":200,"props":242,"children":243},{},[244,249],{"type":26,"tag":204,"props":245,"children":246},{},[247],{"type":31,"value":248},"Your loan keeps running.",{"type":31,"value":250}," This is the part buyers miss. A builder's insolvency does not cancel or reduce what you owe your lender. Construction loans draw down progressively, and you owe what has been drawn.",{"type":26,"tag":27,"props":252,"children":253},{},[254],{"type":31,"value":255},"That fifth point is the reason this article exists. The insurance covers the building. Nobody covers your holding costs, your rent while you wait, or the eighteen months.",{"type":26,"tag":39,"props":257,"children":259},{"id":258},"home-warranty-insurance-the-safety-net-and-its-ceiling",[260],{"type":31,"value":261},"Home warranty insurance: the safety net and its ceiling",{"type":26,"tag":27,"props":263,"children":264},{},[265],{"type":31,"value":266},"Every state runs a compulsory insurance scheme for residential building work. Cover is real, and it is capped, and the caps are well below the cost of many modern homes.",{"type":26,"tag":51,"props":268,"children":269},{},[270,296],{"type":26,"tag":55,"props":271,"children":272},{},[273],{"type":26,"tag":59,"props":274,"children":275},{},[276,281,286,291],{"type":26,"tag":63,"props":277,"children":278},{},[279],{"type":31,"value":280},"State",{"type":26,"tag":63,"props":282,"children":283},{},[284],{"type":31,"value":285},"Scheme",{"type":26,"tag":63,"props":287,"children":288},{},[289],{"type":31,"value":290},"Cover cap",{"type":26,"tag":63,"props":292,"children":293},{},[294],{"type":31,"value":295},"Trigger threshold",{"type":26,"tag":74,"props":297,"children":298},{},[299,322,345],{"type":26,"tag":59,"props":300,"children":301},{},[302,307,312,317],{"type":26,"tag":81,"props":303,"children":304},{},[305],{"type":31,"value":306},"NSW",{"type":26,"tag":81,"props":308,"children":309},{},[310],{"type":31,"value":311},"Home Building Compensation Fund (icare)",{"type":26,"tag":81,"props":313,"children":314},{},[315],{"type":31,"value":316},"$340,000",{"type":26,"tag":81,"props":318,"children":319},{},[320],{"type":31,"value":321},"Work over $20,000",{"type":26,"tag":59,"props":323,"children":324},{},[325,330,335,340],{"type":26,"tag":81,"props":326,"children":327},{},[328],{"type":31,"value":329},"VIC",{"type":26,"tag":81,"props":331,"children":332},{},[333],{"type":31,"value":334},"Home Warranty, replacing Domestic Building Insurance from 1 July 2026",{"type":26,"tag":81,"props":336,"children":337},{},[338],{"type":31,"value":339},"$400,000, up from $300,000 under DBI",{"type":26,"tag":81,"props":341,"children":342},{},[343],{"type":31,"value":344},"Work over $20,000, buildings up to three storeys",{"type":26,"tag":59,"props":346,"children":347},{},[348,353,358,363],{"type":26,"tag":81,"props":349,"children":350},{},[351],{"type":31,"value":352},"QLD",{"type":26,"tag":81,"props":354,"children":355},{},[356],{"type":31,"value":357},"Queensland Home Warranty Scheme (QBCC)",{"type":26,"tag":81,"props":359,"children":360},{},[361],{"type":31,"value":362},"$200,000 per category of loss, or $300,000 with optional additional cover",{"type":26,"tag":81,"props":364,"children":365},{},[366],{"type":31,"value":367},"Work over $3,300",{"type":26,"tag":27,"props":369,"children":370},{},[371],{"type":31,"value":372},"Victoria's change is the significant one for 2026: Home Warranty replaces the old Domestic Building Insurance regime from 1 July 2026, lifting maximum cover to $400,000 for domestic building projects up to three storeys valued above $20,000. If your contract was written under the old scheme, confirm with your builder and your insurer which regime applies to your job.",{"type":26,"tag":27,"props":374,"children":375},{},[376,378,383,385,390,392,397],{"type":31,"value":377},"Three limitations apply everywhere and deserve emphasis. Cover is ",{"type":26,"tag":204,"props":379,"children":380},{},[381],{"type":31,"value":382},"last resort",{"type":31,"value":384},", meaning it responds when the builder has died, disappeared or become insolvent, not when they are merely slow or difficult. Cover is ",{"type":26,"tag":204,"props":386,"children":387},{},[388],{"type":31,"value":389},"capped",{"type":31,"value":391},", so on a $700,000 build in NSW the $340,000 ceiling may not complete the house. And cover has ",{"type":26,"tag":204,"props":393,"children":394},{},[395],{"type":31,"value":396},"time limits",{"type":31,"value":398},", typically around six years for major or structural defects and two years for minor defects from completion.",{"type":26,"tag":27,"props":400,"children":401},{},[402],{"type":31,"value":403},"Other states and territories run equivalent schemes with their own caps, thresholds and exclusions. Confirm the current position with your state regulator before signing, because these figures change.",{"type":26,"tag":39,"props":405,"children":407},{"id":406},"eight-checks-before-you-sign",[408],{"type":31,"value":409},"Eight checks before you sign",{"type":26,"tag":27,"props":411,"children":412},{},[413],{"type":31,"value":414},"This is the part that actually protects you, and none of it is expensive.",{"type":26,"tag":196,"props":416,"children":417},{},[418,428,438,448,458,468,478,488],{"type":26,"tag":200,"props":419,"children":420},{},[421,426],{"type":26,"tag":204,"props":422,"children":423},{},[424],{"type":31,"value":425},"Verify the licence.",{"type":31,"value":427}," Check the builder's licence number directly with the state regulator, not the number printed on their brochure. Confirm the licence class covers your job and that it has no conditions attached.",{"type":26,"tag":200,"props":429,"children":430},{},[431,436],{"type":26,"tag":204,"props":432,"children":433},{},[434],{"type":31,"value":435},"Search the company and its directors.",{"type":31,"value":437}," An ASIC search costs a few dollars. Look at how long the entity has existed and, critically, whether the directors have previously been involved in companies that were wound up. Phoenix activity, where a failed business restarts under a new entity, is the pattern to look for.",{"type":26,"tag":200,"props":439,"children":440},{},[441,446],{"type":26,"tag":204,"props":442,"children":443},{},[444],{"type":31,"value":445},"Confirm home warranty insurance before you pay a deposit.",{"type":31,"value":447}," The certificate should be in your name for your address. In several states it is an offence for a builder to take a deposit without it, and its absence is a red flag about the builder's own eligibility, because insurers assess builders' financial capacity before issuing cover.",{"type":26,"tag":200,"props":449,"children":450},{},[451,456],{"type":26,"tag":204,"props":452,"children":453},{},[454],{"type":31,"value":455},"Ask about their insurance eligibility limit.",{"type":31,"value":457}," Warranty insurers cap the total value of work a builder can have on the books. A builder near their limit is a builder the insurer is already watching.",{"type":26,"tag":200,"props":459,"children":460},{},[461,466],{"type":26,"tag":204,"props":462,"children":463},{},[464],{"type":31,"value":465},"Talk to three recent clients, including one from two years ago.",{"type":31,"value":467}," Recent clients tell you about communication. Older clients tell you about defects and whether the builder came back.",{"type":26,"tag":200,"props":469,"children":470},{},[471,476],{"type":26,"tag":204,"props":472,"children":473},{},[474],{"type":31,"value":475},"Visit a current site unannounced.",{"type":31,"value":477}," A site with materials on the ground and trades working is a builder paying their suppliers. An empty site mid-week is the warning that precedes everything else.",{"type":26,"tag":200,"props":479,"children":480},{},[481,486],{"type":26,"tag":204,"props":482,"children":483},{},[484],{"type":31,"value":485},"Check supplier payment behaviour.",{"type":31,"value":487}," If you can, ask a local supplier or two whether the builder pays on time. Subcontractors and suppliers know about a collapse months before the customer does.",{"type":26,"tag":200,"props":489,"children":490},{},[491,496],{"type":26,"tag":204,"props":492,"children":493},{},[494],{"type":31,"value":495},"Have a solicitor review the contract.",{"type":31,"value":497}," Not your conveyancer at settlement, a construction-literate solicitor before signing. This is a few hundred dollars against a six-figure risk.",{"type":26,"tag":39,"props":499,"children":501},{"id":500},"contract-terms-that-decide-your-exposure",[502],{"type":31,"value":503},"Contract terms that decide your exposure",{"type":26,"tag":27,"props":505,"children":506},{},[507],{"type":31,"value":508},"Four clauses do most of the work.",{"type":26,"tag":27,"props":510,"children":511},{},[512,517],{"type":26,"tag":204,"props":513,"children":514},{},[515],{"type":31,"value":516},"Rise and fall provisions.",{"type":31,"value":518}," A pure fixed price transfers all cost risk to the builder, which sounds ideal until the builder cannot carry it and fails. A capped rise and fall clause, where costs above a defined threshold are shared or passed through to an agreed limit, can be the safer arrangement for both parties. Industry commentary through the current cost cycle has consistently favoured negotiating a fair adjustment over forcing a builder into an unsurvivable contract.",{"type":26,"tag":27,"props":520,"children":521},{},[522,527],{"type":26,"tag":204,"props":523,"children":524},{},[525],{"type":31,"value":526},"Progress payment schedule.",{"type":31,"value":528}," Payments should track the value of work actually completed on site. A schedule front-loaded with a large deposit and an oversized slab payment means you are financing the builder rather than paying for your house. States cap deposits, commonly at 5% for larger contracts, and a request to exceed the cap is a serious warning sign.",{"type":26,"tag":27,"props":530,"children":531},{},[532,537],{"type":26,"tag":204,"props":533,"children":534},{},[535],{"type":31,"value":536},"Liquidated damages for delay.",{"type":31,"value":538}," A defined daily amount payable if the build runs past the agreed date. Without it, an overrun costs the builder nothing and costs you rent.",{"type":26,"tag":27,"props":540,"children":541},{},[542,547],{"type":26,"tag":204,"props":543,"children":544},{},[545],{"type":31,"value":546},"Independent inspections at each stage.",{"type":31,"value":548}," Engage your own building inspector to sign off before you release each progress payment. This costs a few hundred dollars per stage and is the single most effective protection available, because it ensures you never pay for work that has not been done.",{"type":26,"tag":39,"props":550,"children":552},{"id":551},"where-this-fits-in-the-wider-new-build-decision",[553],{"type":31,"value":554},"Where this fits in the wider new-build decision",{"type":26,"tag":27,"props":556,"children":557},{},[558,560,567,569,575],{"type":31,"value":559},"Builder risk is one input among several when you weigh a new build against an established home. Off-the-plan apartments carry a related but distinct set of risks around developer solvency, sunset clauses and settlement valuations, which our guide to ",{"type":26,"tag":561,"props":562,"children":564},"a",{"href":563},"/blog/buying-off-the-plan-australia-2026-risks-rewards-tax-advantage",[565],{"type":31,"value":566},"buying off the plan",{"type":31,"value":568}," covers in detail. Energy standards are also moving, and the ",{"type":26,"tag":561,"props":570,"children":572},{"href":571},"/blog/7-star-energy-revolution-nathers-changes-transform-australian-home-values",[573],{"type":31,"value":574},"7-star NatHERS requirements",{"type":31,"value":576}," are part of why new construction costs what it does.",{"type":26,"tag":27,"props":578,"children":579},{},[580,582,588,590,596],{"type":31,"value":581},"There are genuine upsides to building. You get the design you want, current energy performance, and in a market where ",{"type":26,"tag":561,"props":583,"children":585},{"href":584},"/blog/the-great-housing-shortfall-australia-1-2-million-homes-target",[586],{"type":31,"value":587},"Australia is short of homes",{"type":31,"value":589}," a new dwelling adds supply rather than competing for it. Smaller projects such as a ",{"type":26,"tag":561,"props":591,"children":593},{"href":592},"/blog/granny-flats-second-dwellings-australia-2026-add-value-income",[594],{"type":31,"value":595},"second dwelling or granny flat",{"type":31,"value":597}," carry the same builder risk on a smaller and more manageable scale.",{"type":26,"tag":27,"props":599,"children":600},{},[601,603,609,611,617,619,625],{"type":31,"value":602},"The financing side deserves specialist input too, because construction loans behave differently from standard mortgages: they draw progressively, they charge interest only on the drawn balance, and they have their own rules when a build stalls. A ",{"type":26,"tag":561,"props":604,"children":606},{"href":605},"/mortgage-brokers",[607],{"type":31,"value":608},"mortgage broker",{"type":31,"value":610}," who does construction lending regularly is worth finding. If you would like professional help assessing land, builders and contracts, ",{"type":26,"tag":561,"props":612,"children":614},{"href":613},"/gomatch",[615],{"type":31,"value":616},"GoMatch",{"type":31,"value":618}," matches you with a vetted buyer's agent for free, and our guide to ",{"type":26,"tag":561,"props":620,"children":622},{"href":621},"/blog/do-i-need-a-buyers-agent-to-buy-property-in-australia",[623],{"type":31,"value":624},"whether you need a buyer's agent",{"type":31,"value":626}," covers when that makes sense.",{"type":26,"tag":39,"props":628,"children":630},{"id":629},"the-limits-this-is-a-moving-picture",[631],{"type":31,"value":632},"The limits: this is a moving picture",{"type":26,"tag":27,"props":634,"children":635},{},[636],{"type":31,"value":637},"Insolvency statistics lag by months, insurance caps and schemes change (Victoria's did on 1 July 2026), and cost forecasts depend on energy prices nobody can predict.",{"type":26,"tag":27,"props":639,"children":640},{},[641],{"type":31,"value":642},"Treat the figures here as the state of play in August 2026, verify licences and insurance directly with your state regulator, and get the contract reviewed by a solicitor who does construction work. No article substitutes for either.",{"type":26,"tag":39,"props":644,"children":646},{"id":645},"faq-builder-insolvency-in-australia",[647],{"type":31,"value":648},"FAQ: builder insolvency in Australia",{"type":26,"tag":650,"props":651,"children":653},"h3",{"id":652},"what-happens-to-my-money-if-my-builder-goes-into-liquidation",[654],{"type":31,"value":655},"What happens to my money if my builder goes into liquidation?",{"type":26,"tag":27,"props":657,"children":658},{},[659],{"type":31,"value":660},"You lodge a claim under the state home warranty scheme, which covers the shortfall between what you have paid and the value of work completed, up to the scheme cap. You then engage a replacement builder, usually at a higher price. Your loan obligations continue unchanged, because a builder's insolvency does not reduce what you owe your lender.",{"type":26,"tag":650,"props":662,"children":664},{"id":663},"how-much-does-home-warranty-insurance-cover",[665],{"type":31,"value":666},"How much does home warranty insurance cover?",{"type":26,"tag":27,"props":668,"children":669},{},[670],{"type":31,"value":671},"Caps vary by state. NSW covers up to $340,000, Victoria moved to $400,000 under the Home Warranty scheme that replaced Domestic Building Insurance from 1 July 2026, and Queensland's scheme covers up to $200,000 per category of loss, or $300,000 with optional additional cover. Cover is last resort, applying when the builder is insolvent, dead or has disappeared.",{"type":26,"tag":650,"props":673,"children":675},{"id":674},"how-do-i-check-if-a-builder-is-financially-stable",[676],{"type":31,"value":677},"How do I check if a builder is financially stable?",{"type":26,"tag":27,"props":679,"children":680},{},[681],{"type":31,"value":682},"Verify the licence with the state regulator, run an ASIC search on the company and its directors to check for prior wound-up entities, confirm home warranty insurance is issued in your name before paying a deposit, ask about their insurer eligibility limit, speak to recent and older clients, and visit an active site unannounced.",{"type":26,"tag":650,"props":684,"children":686},{"id":685},"should-i-accept-a-rise-and-fall-clause-in-2026",[687],{"type":31,"value":688},"Should I accept a rise and fall clause in 2026?",{"type":26,"tag":27,"props":690,"children":691},{},[692],{"type":31,"value":693},"It depends on the cap. A pure fixed price sounds safer but concentrates all cost risk on the builder, and with costs forecast to rise 4% to 6% this year that risk is what pushes builders under. A rise and fall clause with a clearly defined cap can be the more survivable arrangement for both sides. Have a construction solicitor review the wording before agreeing.",{"type":26,"tag":39,"props":695,"children":697},{"id":696},"where-this-leaves-you",[698],{"type":31,"value":699},"Where this leaves you",{"type":26,"tag":27,"props":701,"children":702},{},[703],{"type":31,"value":704},"Building a home in Australia in 2026 is not a reckless decision. It is a decision that requires the same due diligence you would apply to the property itself, directed at the company doing the work.",{"type":26,"tag":27,"props":706,"children":707},{},[708],{"type":31,"value":709},"The buyers who get hurt are almost never the ones who chose the wrong design. They are the ones who chose the cheapest quote, paid a large deposit before the insurance certificate arrived, and released progress payments without an independent inspection. Each of those three failures is avoidable for a few hundred dollars. Spend the money before you sign, not on the lawyer you will need afterwards.",{"type":26,"tag":711,"props":712,"children":713},"hr",{},[],{"type":26,"tag":650,"props":715,"children":717},{"id":716},"sources",[718],{"type":31,"value":719},"Sources",{"type":26,"tag":196,"props":721,"children":722},{},[723,728,733,738,743,748,753],{"type":26,"tag":200,"props":724,"children":725},{},[726],{"type":31,"value":727},"The Conversation, \"Housing construction costs are already rising, increasing risks of builders going bust\", 2026.",{"type":26,"tag":200,"props":729,"children":730},{},[731],{"type":31,"value":732},"MacroBusiness, \"Australian builders confront new wave of bankruptcies\", May 2026.",{"type":26,"tag":200,"props":734,"children":735},{},[736],{"type":31,"value":737},"Altus Group, \"Australian construction price outlook, Q1 2026\".",{"type":26,"tag":200,"props":739,"children":740},{},[741],{"type":31,"value":742},"Building and Plumbing Commission Victoria, \"Home Warranty insurance coming soon\", 2026.",{"type":26,"tag":200,"props":744,"children":745},{},[746],{"type":31,"value":747},"icare NSW, \"What does HBCF cover\", Home Building Compensation Fund.",{"type":26,"tag":200,"props":749,"children":750},{},[751],{"type":31,"value":752},"Queensland Building and Construction Commission, \"Maximum amounts covered\", Queensland Home Warranty Scheme.",{"type":26,"tag":200,"props":754,"children":755},{},[756],{"type":31,"value":757},"Australian Bureau of Statistics, Building Approvals, March 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Homes Nobody Bought: How to Buy Withdrawn, Passed-In and Stale Listings","One in five auctions was withdrawn in June 2026 and clearance sits in the forties. The unsold stock is where buyer leverage lives, if you know how to find it.","https://images.unsplash.com/photo-1579678929710-862f8e01c0b2?q=80&auto=format","2026-09-03",[15,18,875,876,19],"negotiation","auction-clearance",{"_path":878,"title":879,"description":880,"image":881,"date":882,"author_name":12,"author_avatar":13,"tags":883,"category":20,"reading_time":21},"/blog/trading-up-falling-market-2026-bridging-loans-low-valuations","Trading Up in a Falling Market: Bridging Loans, Low Valuations and the Order You Do It In","Upper quartile values fell 3.2% in three months while entry-level homes rose. For upgraders that is a discount, if you survive the bridging finance and the valuation.","https://images.unsplash.com/photo-1600725935160-f67ee4f6084a?q=80&auto=format","2026-09-02",[15,18,884,19,16],"home-loans",{"_path":886,"title":887,"description":888,"image":889,"date":890,"author_name":12,"author_avatar":13,"tags":891,"category":893,"reading_time":894},"/blog/underquoting-laws-2026-nsw-victoria-what-buyers-need-to-know","The Underquoting Crackdown: What the 2026 Laws Change for Property Buyers","NSW lifts underquoting penalties to $110,000 and Victoria forces reserve prices into the open a week before auction. What the 2026 reforms mean for buyers.","https://images.unsplash.com/photo-1725379448168-e33c5e09d47e?q=80&auto=format","2026-09-01",[892,876,18,16,15],"policy","Policy Analysis","10 min read",{"_path":896,"title":897,"description":898,"image":899,"date":900,"author_name":12,"author_avatar":13,"tags":901,"category":904,"reading_time":21},"/blog/borrowing-capacity-2026-rate-hikes-what-you-can-borrow","Borrowing Capacity in 2026: Why Cheaper Houses Are Not Making Buying Easier","Three RBA hikes took the cash rate to 4.35% and stripped tens of thousands from buyer budgets. What Australians can actually borrow in 2026, and how to protect it.","https://images.unsplash.com/photo-1554224155-6726b3ff858f?q=80&auto=format","2026-08-31",[902,884,903,19,18],"market-analysis","first-home-buyer","Market Analysis",{"_path":906,"title":907,"description":908,"image":909,"date":910,"author_name":12,"author_avatar":13,"tags":911,"category":893,"reading_time":894},"/blog/aml-id-checks-property-buyers-australia-2026","New ID Checks on Every Property Purchase: What Australia's 2026 AML Rules Mean for Buyers","From 1 July 2026, agents, conveyancers and buyer's agents must verify your identity and source of funds on every property purchase. Here is what buyers need.","https://images.unsplash.com/photo-1454496406107-dc34337da8d6?q=80&auto=format","2026-08-30",[892,16,18,15,19],{"_path":913,"title":914,"description":915,"image":916,"date":917,"author_name":12,"author_avatar":13,"tags":918,"category":20,"reading_time":21},"/blog/five-market-signals-every-property-buyer-should-read","Five Market Signals Every Property Buyer Should Learn to Read","Property market signals explained for Australian buyers: how to read auction clearance rates, listings, days on market, vendor discounts and yields.","https://images.unsplash.com/photo-1551288049-bebda4e38f71?q=80&auto=format","2026-08-12",[15,902,18,16,876],{"_path":920,"title":921,"description":922,"image":923,"date":924,"author_name":12,"author_avatar":13,"tags":925,"category":893,"reading_time":21},"/blog/short-stay-rules-australia-2026-airbnb-levy-property-investors","Short-Stay Rules in 2026: What the Airbnb Crackdown Means for Property Investors","Short-stay rules in 2026, state by state: Victoria's 7.5% levy, NSW's 180-day cap, WA's register, Hobart's crackdown, and the investor maths compared.","https://images.unsplash.com/photo-1763382737724-74f4a01ca817?q=80&auto=format","2026-08-11",[926,927,928,892,929],"short-term-rental","short-stay-levy","property-investment","rental-income",{"_path":931,"title":932,"description":933,"image":934,"date":935,"author_name":12,"author_avatar":13,"tags":936,"category":904,"reading_time":21},"/blog/melbourne-best-value-capital-city-2026","Is Melbourne Australia's Best-Value Capital City in 2026?","Is Melbourne Australia's best-value capital city in 2026? We weigh the Sydney price gap, investor exit, land tax, concessions and forecasts for buyers.","https://images.unsplash.com/photo-1758382850717-8dcb01bd1fc0?q=80&auto=format","2026-08-10",[796,19,937,928,902],"affordability",{"_path":939,"title":940,"description":941,"image":942,"date":943,"author_name":12,"author_avatar":13,"tags":944,"category":947,"reading_time":21},"/blog/investor-exodus-2026-what-landlords-selling-means-buyers-renters","Landlords Are Selling: What the 2026 Investor Exodus Means for Buyers and Renters","Investor exodus 2026: why landlords are selling, what ex-rental stock means for buyers, and what 1.3% vacancy and 5.9% rent growth mean for renters.","https://images.unsplash.com/photo-1643804926339-e94f0a655185?q=80&auto=format","2026-08-09",[928,945,946,19,903],"rental-market","negative-gearing","Property Investment",{"_path":949,"title":950,"description":951,"image":952,"date":953,"author_name":12,"author_avatar":13,"tags":954,"category":904,"reading_time":21},"/blog/regional-property-boom-splitting-2026-where-values-still-rising","The Regional Property Boom Is Splitting: Where Values Are Still Rising in 2026","The regional property boom is splitting in 2026: Cotality data shows regional NSW, VIC and QLD cooling while regional SA and WA values are still rising.","https://images.unsplash.com/photo-1783427118514-38389319a8ee?q=80&auto=format","2026-08-08",[955,19,902,956,928],"regional-property","lifestyle-buyers",{"_path":958,"title":959,"description":960,"image":961,"date":962,"author_name":12,"author_avatar":13,"tags":963,"category":965,"reading_time":21},"/blog/two-speed-property-market-australia-2026-entry-level-rising","Australia's Two-Speed Property Market: Why Entry-Level Homes Keep Rising in 2026","Australia's two-speed property market explained: why entry-level homes keep rising in 2026 while the top end falls, and how first home buyers can respond.","https://images.unsplash.com/photo-1772326530280-55f4ded4e23c?q=80&auto=format","2026-08-07",[19,903,964,937,902],"first-home-guarantee","First Home Buyers",{"_path":967,"title":968,"description":969,"image":970,"date":971,"author_name":12,"author_avatar":13,"tags":972,"category":904,"reading_time":21},"/blog/buying-in-a-falling-market-australia-2026-buyers-guide","Buying in a Falling Market: How to Use Australia's 2026 Downturn to Your Advantage","Buying in a falling market in 2026: what Cotality's July data shows, how to price off recent sales, negotiate conditions back in and win passed-in homes.","https://images.unsplash.com/photo-1760129745103-91c4022ed5fb?q=80&auto=format","2026-08-06",[19,973,18,875,974],"market-downturn","buyers-agent",{"_path":592,"title":976,"description":977,"image":978,"date":979,"author_name":12,"author_avatar":13,"tags":980,"category":947,"reading_time":21},"Granny Flat Rules in 2026: How to Add Value or Rental Income","Granny flat rules explained for 2026: what a secondary dwelling is, NSW size and lot limits, CDC vs DA approval, renting it out, and why rules vary by state.","https://images.unsplash.com/photo-1763303251296-feb1a07a7dd0?q=80&auto=format","2026-07-06",[981,982,928,929,19],"granny-flat","secondary-dwelling",{"_path":984,"title":985,"description":986,"image":987,"date":988,"author_name":12,"author_avatar":13,"tags":989,"category":965,"reading_time":992},"/blog/stamp-duty-explained-australia-2026-state-by-state-first-home-buyer","Stamp Duty in Australia 2026: A State-by-State Guide for Buyers","Stamp duty Australia 2026: a clear state-by-state guide. How transfer duty works, NSW, VIC and QLD first home buyer concessions, and how to estimate yours.","https://images.unsplash.com/photo-1734328819658-0c3ceef27c46?q=80&auto=format","2026-07-05",[990,903,991,15,19],"stamp-duty","property-costs","12 min read",{"_path":994,"title":995,"description":996,"image":997,"date":998,"author_name":12,"author_avatar":13,"tags":999,"category":20,"reading_time":894},"/blog/how-to-buy-at-auction-australia-buyers-playbook","How to Buy at Auction in Australia: A Buyer's Playbook","How to buy at auction in Australia: the no cooling-off rule, your 10% deposit, pre-auction homework, what passed in means, and when to use a buyer's agent.","https://images.unsplash.com/photo-1610165437422-16d6f9b9d063?q=80&auto=format","2026-07-04",[1000,18,15,974,903],"property-auction",{"_path":563,"title":1002,"description":1003,"image":1004,"date":1005,"author_name":12,"author_avatar":13,"tags":1006,"category":20,"reading_time":894},"Buying Off the Plan in Australia, 2026: Risks, Rewards and the New-Build Tax Advantage","Buying off the plan in Australia in 2026: the real risks, rewards, Victoria's stamp duty concession and the 2027 new-build negative gearing edge explained.","https://images.unsplash.com/photo-1485083269755-a7b559a4fe5e?q=80&auto=format","2026-07-03",[1007,15,17,928,19],"off-the-plan",{"_path":1009,"title":1010,"description":1011,"image":1012,"date":1013,"author_name":12,"author_avatar":13,"tags":1014,"category":965,"reading_time":894},"/blog/first-home-guarantee-2026-5-percent-deposit-scheme-explained","First Home Guarantee 2026: How to Buy With a 5% Deposit and No LMI","First Home Guarantee 2026 explained: buy with a 5% deposit and no LMI, plus the new no-income-cap and unlimited-places rules, price caps and eligibility.","https://images.unsplash.com/photo-1580709430621-697349bd4bb9?q=80&auto=format","2026-07-02",[903,964,1015,1016,19,15],"5-percent-deposit","government-schemes",{"_path":1018,"title":1019,"description":1020,"image":1021,"date":1022,"author_name":12,"author_avatar":13,"tags":1023,"category":965,"reading_time":21},"/blog/co-buying-property-australia-2026-teaming-up-to-beat-affordability","Co-Buying Property in Australia: How to Team Up to Beat Affordability (Without Risking the Friendship)","Co-buying property in Australia is rising fast. Compare ownership structures, the joint liability trap, co-ownership agreements and exit planning first.","https://images.unsplash.com/photo-1758523671071-4e3c43d055e6?q=80&auto=format","2026-07-01",[1024,937,903,15,1025],"co-buying","ownership-structures",{"_path":1027,"title":1028,"description":1029,"image":1030,"date":1031,"author_name":12,"author_avatar":13,"tags":1032,"category":20,"reading_time":894},"/blog/home-insurance-affordability-crisis-australia-2026-what-buyers-need-to-know","The Home Insurance Affordability Crisis: What Australian Property Buyers Need to Know in 2026","Home insurance affordability in Australia is in crisis in 2026. Premiums up 51%, flood and bushfire risk biting. Check risk and get a quote before you buy.","https://images.unsplash.com/photo-1657069343999-39722b95f1d8?q=80&auto=format","2026-06-30",[1033,1034,15,903,16],"home-insurance","climate-risk",{"_path":1036,"title":1037,"description":1038,"image":1039,"date":1040,"author_name":12,"author_avatar":13,"tags":1041,"category":947,"reading_time":21},"/blog/build-to-rent-boom-australia-2026-renters-and-buyers","Build-to-Rent Australia Hits $40 Billion: What the 2026 Boom Means for Renters and Buyers","Build-to-rent Australia just passed $40 billion and 51,000 apartments. See what the 2026 BTR boom means for renters chasing security and buyers watching supply.","https://images.unsplash.com/photo-1534655610770-dd69616f05ff?q=80&auto=format","2026-06-29",[1042,945,928,1043,19],"build-to-rent","apartments",{"_path":1045,"title":1046,"description":1047,"image":1048,"date":1049,"author_name":12,"author_avatar":13,"tags":1050,"category":904,"reading_time":894},"/blog/foreign-buyer-ban-extended-2029-what-it-means-for-australian-buyers","Australia's Foreign Buyer Ban Extended to 2029: What It Means for Local Buyers","Australia's foreign buyer ban is now extended to 2029, blocking established-home purchases. See who's captured, who's exempt and what it means for buyers.","https://images.unsplash.com/photo-1666000346172-8e7e87547d2a?q=80&auto=format","2026-06-28",[1051,1052,1053,903,19],"foreign-investment","policy-analysis","property-market",{"_path":1055,"title":1056,"description":1057,"image":1058,"date":1059,"author_name":12,"author_avatar":13,"tags":1060,"category":893,"reading_time":992},"/blog/negative-gearing-cgt-changes-2026-budget-what-it-means-for-property-buyers","Negative Gearing Changes 2026: What the Budget CGT Reforms Mean for Australian Property Buyers","Negative gearing changes 2026 explained: who's grandfathered, the new CGT discount and 30% minimum tax, and what the 2027 reforms mean for property buyers.","https://images.unsplash.com/photo-1672886974518-2549f2f98e5a?q=80&auto=format","2026-06-27",[946,1061,928,1062,1063,902],"capital-gains-tax","tax-reform","2026-budget",{"_path":1065,"title":1066,"description":1067,"image":1068,"date":1069,"author_name":12,"author_avatar":13,"tags":1070,"category":20,"reading_time":1074},"/blog/what-does-a-buyers-agent-do-in-australia","What Does a Buyer's Agent Do? A Complete Guide for Australian Property Buyers","Learn exactly what a buyer's agent does in Australia, how they help you purchase property, what services they provide, and why thousands of Australians use them to buy homes and investment properties.","https://images.unsplash.com/photo-1560518883-ce09059eeffa?q=80&auto=format","2026-04-16",[1071,1072,903,1073],"buyer-agents","property-buying","property-professionals","8 min read",{"_path":1076,"title":1077,"description":1078,"image":899,"date":1069,"author_name":12,"author_avatar":13,"tags":1079,"category":20,"reading_time":1081},"/blog/how-much-does-a-buyers-agent-cost-in-australia","How Much Does a Buyer's Agent Cost in Australia? 2026 Fee Guide","Complete breakdown of buyer's agent fees in Australia for 2026. Understand fixed fees, percentage-based pricing, what's included, and whether the cost is worth it for your property purchase.",[1071,1072,1080,1073],"fees","7 min read",{"_path":621,"title":1083,"description":1084,"image":1085,"date":1069,"author_name":12,"author_avatar":13,"tags":1086,"category":20,"reading_time":1088},"Do I Need a Buyer's Agent? When It's Worth It (and When It's Not)","Honest assessment of whether you need a buyer's agent in Australia. We break down the scenarios where a buyer's advocate adds real value and when you can confidently go it alone.","https://images.unsplash.com/photo-1582407947304-fd86f028f716?q=80&auto=format",[1071,1072,903,1087],"advice","6 min read",{"_path":1090,"title":1091,"description":1092,"image":1093,"date":1094,"author_name":12,"author_avatar":13,"tags":1095,"category":20,"reading_time":894},"/blog/find-buyer-agent-sydney-guide","How to Find a Buyer Agent in Sydney: Your Complete 2026 Guide","Find the right buyer agent in Sydney with our comprehensive guide. Compare verified buyers advocates, understand fees, and get matched with local experts across Sydney's competitive property market.","https://images.unsplash.com/photo-1506973035872-a4ec16b8e8d9?q=80&auto=format&fit=clip","2026-03-20",[1071,1096,1073,903],"nsw",{"_path":1098,"title":1099,"description":1100,"image":1101,"date":1094,"author_name":12,"author_avatar":13,"tags":1102,"category":20,"reading_time":894},"/blog/find-buyer-agent-melbourne-guide","How to Find a Buyer Agent in Melbourne: Your Complete 2026 Guide","Find the right buyer agent in Melbourne with our comprehensive guide. Compare verified buyers advocates, understand fees, and get expert help navigating Melbourne's auction-heavy property market.","https://images.unsplash.com/photo-1514395462725-fb4566210144?q=80&auto=format&fit=clip",[1071,1103,1073,903],"vic",{"_path":1105,"title":1106,"description":1107,"image":1108,"date":1094,"author_name":12,"author_avatar":13,"tags":1109,"category":20,"reading_time":894},"/blog/find-buyer-agent-brisbane-guide","How to Find a Buyer Agent in Brisbane: Your Complete 2026 Guide","Find the right buyer agent in Brisbane. Compare verified buyers advocates, understand fees, and get expert help navigating Brisbane's fast-growing property market in 2026.","https://images.unsplash.com/photo-1711080222192-cab50dc56ff6?q=80&auto=format&fit=clip",[1071,1110,1073,1111],"qld","investment",{"_path":1113,"title":1114,"description":1115,"image":1116,"date":1094,"author_name":12,"author_avatar":13,"tags":1117,"category":20,"reading_time":1119},"/blog/find-buyer-agent-perth-guide","How to Find a Buyer Agent in Perth: Your Complete 2026 Guide","Find the right buyer agent in Perth. Compare verified buyers advocates and get expert help navigating Western Australia's resurging property market with confidence.","https://images.unsplash.com/photo-1629522244811-97becb53a9c4?q=80&auto=format&fit=clip",[1071,1118,1073,1111],"wa","9 min read",{"_path":1121,"title":1122,"description":1123,"image":1124,"date":1094,"author_name":12,"author_avatar":13,"tags":1125,"category":20,"reading_time":1119},"/blog/find-buyer-agent-adelaide-guide","How to Find a Buyer Agent in Adelaide: Your Complete 2026 Guide","Find the right buyer agent in Adelaide. Compare verified buyers advocates and get expert help buying property in South Australia's affordable and growing market.","https://images.unsplash.com/photo-1659624192447-1a7ece00ff52?q=80&auto=format&fit=clip",[1071,1126,1073,903],"sa",{"_path":1128,"title":1129,"description":1130,"image":1131,"date":1094,"author_name":12,"author_avatar":13,"tags":1132,"category":20,"reading_time":1119},"/blog/find-buyer-agent-canberra-guide","How to Find a Buyer Agent in Canberra: Your Complete 2026 Guide","Find the right buyer agent in Canberra. Compare verified buyers advocates and get expert help buying property in the ACT's unique leasehold market.","https://images.unsplash.com/photo-1672264597620-d792bb6de88d?q=80&auto=format&fit=clip",[1071,1133,1073,903],"act",{"_path":1135,"title":1136,"description":1137,"image":1138,"date":1094,"author_name":12,"author_avatar":13,"tags":1139,"category":20,"reading_time":1074},"/blog/find-buyer-agent-hobart-guide","How to Find a Buyer Agent in Hobart: Your Complete 2026 Guide","Find the right buyer agent in Hobart. Compare verified buyers advocates and get expert help buying property in Tasmania's growing capital city.","https://images.unsplash.com/photo-1582539934730-cdf1770948d2?q=80&auto=format&fit=clip",[1071,1140,1073,1111],"tas",{"_path":1142,"title":1143,"description":1144,"image":1145,"date":1094,"author_name":12,"author_avatar":13,"tags":1146,"category":20,"reading_time":1074},"/blog/find-buyer-agent-darwin-guide","How to Find a Buyer Agent in Darwin: Your Complete 2026 Guide","Find the right buyer agent in Darwin. Compare verified buyers advocates and get expert help buying property in the Northern Territory's unique tropical market.","https://images.unsplash.com/photo-1637245057059-bc7c9df9e333?q=80&auto=format&fit=clip",[1071,1147,1073,1111],"nt",{"_path":1149,"title":1150,"description":1151,"image":1152,"date":1153,"author_name":12,"author_avatar":13,"tags":1154,"category":904,"reading_time":894},"/blog/how-ai-and-proptech-are-changing-the-way-australians-buy-property","How AI and PropTech Are Changing the Way Australians Buy Property in 2026","Discover how AI valuations, virtual inspections, and PropTech tools are transforming Australian property buying. Learn which tools deliver real results and why human expertise still matters.","https://images.unsplash.com/photo-1671417722838-3fbaa7f66203?q=80&auto=format","2026-03-04",[1155,928,1071,1156,902,903],"technology","gomatch",{"_path":1158,"title":1159,"description":1160,"image":1161,"date":1162,"author_name":1163,"author_avatar":1164,"tags":1165,"category":1170,"reading_time":1074},"/blog/wealth-creation-through-property-investment-and-passive-income","Wealth Creation Through Property Investment and Passive Income","Discover how diversified income streams alongside property investment strategies can secure sustainable financial success. Brisbane professionals share insights on debt recycling, negative gearing, SMSFs, and retirement planning for Australian investors.","https://images.unsplash.com/photo-1622996965411-3ba635423d49?q=80&auto=format","2026-03-02","Lauren Jones Buyers Agency","https://i.imgur.com/DN7klm6.png",[928,1166,1167,1110,1168,1169],"investment-strategy","finance","property-strategy","planning","Investment Strategies",{"_path":1172,"title":1173,"description":1174,"image":872,"date":1175,"author_name":12,"author_avatar":13,"tags":1176,"category":904,"reading_time":992},"/blog/australia-12-trillion-property-milestone-house-unit-price-gap-2025","The $12 Trillion Milestone: Understanding Australia's Record Property Wealth Divide Between Houses and Units","Australia's residential real estate has hit a historic $12 trillion valuation, but the gap between house and unit prices has widened to a record $363,000. Discover what's driving this divide, where units offer better value, and how to make strategic property decisions in 2025.","2025-12-05",[902,928,903,937,1177,1178,1043],"2025-market","units",{"_path":1180,"title":1181,"description":1182,"image":1183,"date":1184,"author_name":1163,"author_avatar":1164,"tags":1185,"category":904,"reading_time":1081},"/blog/australias-housing-crisis-brisbane-vacancy-rates-warning-sign","Australia's Housing Crisis: Brisbane's Vacancy Rates Are the Warning Sign","Brisbane's ultra-low vacancy rates reveal the depth of Australia's housing crisis. Learn how vacancy rates impact renters and buyers, and strategies to navigate the competitive market with expert insights.","https://images.unsplash.com/photo-1608094920984-5b54ce1bb792?q=80&w=2670&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D","2025-10-04",[902,945,903,928,1110,937,1177,1071],{"_path":1187,"title":1188,"description":1189,"image":1190,"date":1191,"author_name":12,"author_avatar":13,"tags":1192,"category":904,"reading_time":894},"/blog/mortgage-delinquency-hotspots-understanding-australias-payment-stress-map","Mortgage Delinquency Hotspots: Understanding Australia's Payment Stress Map","Navigate Australia's mortgage stress landscape with our comprehensive suburb analysis. Discover which areas face the highest delinquency rates, understand the economic factors driving payment stress, and learn strategies to assess mortgage risk before buying.","https://images.unsplash.com/photo-1670154843956-c583b8bb984b?q=80&auto=format","2025-09-16",[902,928,903,1193],"mortgage",{"_path":571,"title":1195,"description":1196,"image":1197,"date":1198,"author_name":12,"author_avatar":13,"tags":1199,"category":947,"reading_time":992},"7-Star Energy Revolution: How NatHERS Changes in 2025 Will Transform Australian Home Values","Discover how Australia's new 7-star energy rating requirements and the expansion of NatHERS to existing homes in 2025 are reshaping property values, creating green loan opportunities, and saving homeowners thousands in energy costs.","https://images.unsplash.com/photo-1603093879014-7a64a851033b?q=80&auto=format","2025-09-09",[928,1200,902,903],"sustainability",{"_path":1202,"title":1203,"description":1204,"image":1205,"date":1206,"author_name":12,"author_avatar":13,"tags":1207,"category":965,"reading_time":1208},"/blog/help-to-buy-vs-going-solo-navigating-australias-shared-equity-landscape-2025","Help to Buy vs Going Solo: Navigating Australia's New Shared Equity Landscape in 2025","With the federal Help to Buy scheme launching late 2025, discover how shared equity could help you buy with just 2% deposit, the pros and cons of government co-ownership, and whether it's better than traditional home buying paths.","https://images.unsplash.com/photo-1695686566301-ec088e031128?q=80&auto=format","2025-09-08",[903,1016,1167,928],"13 min read",{"_path":1210,"title":1211,"description":1212,"image":1213,"date":1214,"author_name":12,"author_avatar":13,"tags":1215,"category":965,"reading_time":894},"/blog/the-168000-deposit-reality-mortgage-brokers-helping-first-home-buyers-5-percent-down","The $168,000 Deposit Reality: How Mortgage Brokers Are Helping First-Home Buyers Break In With 5% Down","With median house prices requiring $168,000 deposits, discover how mortgage brokers are leveraging government schemes, low deposit loans, and strategic financing to help first-home buyers enter the property market with as little as 5% down in 2025.","https://images.unsplash.com/photo-1626178793926-22b28830aa30?q=80&auto=format","2025-09-04",[903,1216,1217,1167],"mortgage-broker","mortgages",{"_path":1219,"title":1220,"description":1221,"image":1222,"date":1223,"author_name":12,"author_avatar":13,"tags":1224,"category":1232,"reading_time":1208},"/blog/tiktok-vs-rea-group-social-media-disrupting-4000-property-ads","TikTok vs REA Group: How Social Media is Disrupting $4,000 Property Ads","Agents like Luke Saville are bypassing expensive traditional advertising ($4,000 REA, $1,500-$3,000 Domain) by using free TikTok and Instagram. His Hawthorn apartment achieved 325,000 views and sold above asking price in just 5 days.","https://images.unsplash.com/photo-1723705027411-9bfc3c99c2e9?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3w3Njg5ODR8MHwxfHNlYXJjaHw4fHxUaWtUb2slMjBwaG9uZSUyMHJlYWwlMjBlc3RhdGUlMjBwcm9wZXJ0eSUyMG1hcmtldGluZyUyMHNvY2lhbCUyMG1lZGlhfGVufDB8MHx8fDE3NTY2Njg5NDh8MA&ixlib=rb-4.1.0&q=80&w=1080","2025-09-01",[1225,1226,1227,1228,1229,1230,1231],"social-media","property-marketing","tiktok","real-estate-innovation","marketing-strategy","cost-effective","digital-disruption","Marketing Innovation",{"_path":1234,"title":1235,"description":1236,"image":1237,"date":1238,"author_name":12,"author_avatar":13,"tags":1239,"category":947,"reading_time":1240},"/blog/newcastle-million-dollar-suburb-surge-5-investment-hotspots-2025","Newcastle's Million-Dollar Suburb Surge: 5 Investment Hotspots for 2025","Newcastle's property market delivers impressive 5.37% growth with record 1.4% population increase. Discover Mayfield's 9.3% growth, Waratah's 12.2% surge, and why experts predict 5-7% gains in premium Merewether.","https://images.unsplash.com/photo-1607420116175-7fcc2100f14a?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3w3Njg5ODR8MHwxfHNlYXJjaHwyfHxOZXdjYXN0bGUlMjBBdXN0cmFsaWElMjBjaXR5JTIwc2t5bGluZSUyMHByb3BlcnR5JTIwaW52ZXN0bWVudHxlbnwwfHx8fDE3NTUzOTgzMTF8MA&ixlib=rb-4.1.0&q=80&w=1080","2025-08-31",[830,928,902,1096,1166,955,1177],"14 min read",{"_path":1242,"title":1243,"description":1244,"image":1245,"date":1246,"author_name":12,"author_avatar":13,"tags":1247,"category":893,"reading_time":992},"/blog/australia-housing-tax-reform-policy-debate-growing-calls-for-change","Australia's Housing Tax Reform Debate: Growing Calls for Policy Change in 2025","Leading economists argue Australia has become a 'home owners' welfare state' as calls grow for housing tax reform. Explore the debate over negative gearing, capital gains discounts, and their $190 billion cost over the next decade.","https://images.unsplash.com/photo-1672264597620-d792bb6de88d?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3w3Njg5ODR8MHwxfHNlYXJjaHwxfHxhdXN0cmFsaWElMjBwYXJsaWFtZW50JTIwaG91c2UlMjBnb3Zlcm5tZW50JTIwcG9saWN5JTIwdGF4JTIwcmVmb3JtfGVufDB8fHx8MTc1NTM1MjUyMHww&ixlib=rb-4.1.0&q=80&w=1080","2025-08-19",[1062,892,946,1248,1249,902,1250],"capital-gains","housing-affordability","government-policy",{"_path":1252,"title":1253,"description":1254,"image":1255,"date":1256,"author_name":12,"author_avatar":13,"tags":1257,"category":20,"reading_time":992},"/blog/australia-11-major-real-estate-associations-comprehensive-guide-2025","Australia's 11 Major Real Estate Associations: Your Complete Guide to Professional Standards in 2025","Discover Australia's 11 leading real estate associations from REINSW to REBAA. Learn about membership benefits, professional standards, and how these associations protect your property interests.","https://images.unsplash.com/photo-1613155961736-d0782a58f170?q=80&auto=format","2025-08-18",[1258,1071,1259,1260,1261,1073,1262],"professional-standards","real-estate-associations","licensing","accreditation","industry-standards",{"_path":1264,"title":1265,"description":1266,"image":1267,"date":1268,"author_name":12,"author_avatar":13,"tags":1269,"category":965,"reading_time":1074},"/blog/first-home-buyer-exodus-q1-2025-why-government-schemes-arent-working","The First Home Buyer Exodus: Why Government Schemes Aren't Stopping the Q1 2025 Decline","First home buyer lending drops to 29.0% in Q1 2025, the lowest since 2022 despite government support. Discover why investors are winning the battle for entry-level properties and what this means for aspiring homeowners.","https://images.unsplash.com/photo-1736319666684-a0f1f6b679cc?q=80&auto=format","2025-08-16",[903,902,937,1016,1177,928,1270],"lending",{"_path":1272,"title":1273,"description":1274,"image":1275,"date":1276,"author_name":12,"author_avatar":13,"tags":1277,"category":947,"reading_time":992},"/blog/climate-resilient-property-investment-energy-efficiency-as-the-new-value-driver","Climate-Resilient Property Investment: Energy Efficiency as the New Value Driver","Discover how energy-efficient properties are commanding 14.5% premiums in 2025. Learn about climate risks, NatHERS ratings, and government incentives shaping Australia's sustainable property market.","https://images.unsplash.com/flagged/photo-1566838803980-56bfa5300e8c?q=80&w=2070&auto=format","2025-07-22",[928,1200,1177,1166,902,1167],{"_path":1279,"title":1280,"description":1281,"image":1282,"date":1283,"author_name":12,"author_avatar":13,"tags":1284,"category":947,"reading_time":1285},"/blog/the-regional-renaissance-work-from-home-property-goldmines-beyond-capital-cities","The Regional Renaissance: How Work-From-Home Is Creating Property Goldmines Beyond Capital Cities","Discover how remote work is driving unprecedented property growth in regional Australia. Explore investment opportunities, market trends, and strategic insights for capitalising on Australia's regional property renaissance in 2025.","https://images.unsplash.com/photo-1606989254570-02aa0d7ea083?q=80&w=2070&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3w3Njg5ODR8MHwxfHNlYXJjaHwxfHxzdWJ1cmJhbiUyMGhvdXNlcyUyMHJlZ2lvbmFsJTIwdG93bnxlbnwwfDB8fHwxNzUyNzE4NTcxfDA","2025-07-17",[955,928,902,1166,1177,945],"15 min read",{"_path":1287,"title":1288,"description":1289,"image":1290,"date":1291,"author_name":12,"author_avatar":13,"tags":1292,"category":20,"reading_time":992},"/blog/nsw-strata-law-reforms-2025-what-apartment-buyers-need-to-know","NSW Strata Law Reforms 2025: What Apartment Buyers Need to Know Before Purchasing","Comprehensive guide to the significant NSW strata law changes effective 1 July 2025, explaining how these reforms impact apartment buyers, investors, and owners in terms of transparency, governance, and financial obligations.","https://images.unsplash.com/photo-1545324418-cc1a3fa10c00?q=80&w=2070&auto=format","2025-07-12",[1096,1073,903,1111,937,1169],{"_path":1294,"title":1295,"description":1296,"image":1297,"date":1298,"author_name":1163,"author_avatar":1164,"tags":1299,"category":965,"reading_time":1088},"/blog/understanding-your-home-loan-options-before-you-borrow","Understanding Your Home Loan Options Before You Borrow","Expert insights into home loan structures, from basic vs package loans to variable vs fixed rates. Learn what you need to know before borrowing with tips from industry professionals.","https://images.unsplash.com/photo-1559067096-d109b66fd5af?q=80&w=2531&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D","2025-07-10",[884,1217,903,1167,928,1300,1301],"borrowing","interest-rates",{"_path":1303,"title":1304,"description":1305,"image":1306,"date":1307,"author_name":12,"author_avatar":13,"tags":1308,"category":904,"reading_time":1074},"/blog/baby-boomers-hidden-opportunities-first-time-buyers","How Baby Boomers Are Creating Hidden Opportunities for First-Time Buyers","Discover how Baby Boomers' downsizing trends are creating unprecedented opportunities for first-time buyers in Australia's property market, and how buyer's agents can help you capitalise on these emerging trends.","https://images.unsplash.com/photo-1728022161206-ac10882e94f3?ixlib=rb-4.1.0&q=80&w=1080","2025-06-29",[903,902,1071,1168,1309],"downsizing",{"_path":1311,"title":1312,"description":1313,"image":1314,"date":1315,"author_name":12,"author_avatar":13,"tags":1316,"category":947,"reading_time":1285},"/blog/rentvesting-in-2025-buy-where-you-can-afford-live-where-you-want","Rentvesting in 2025: Buy Where You Can Afford, Live Where You Want","Discover how rentvesting lets you enter the property market while maintaining your lifestyle. Learn strategies, tax benefits, and 2025 market opportunities for smart property investment.","https://images.unsplash.com/photo-1724482606633-fa74fe4f5de1?q=80&w=2070&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D","2025-06-23",[1317,928,903,1166,945,1071],"rentvesting",{"_path":1319,"title":1320,"description":1321,"image":1322,"date":1323,"author_name":12,"author_avatar":13,"reading_time":1074,"tags":1324,"category":965},"/blog/from-sydney-to-regional-affordable-first-home-buyer-areas-2025","From Sydney to Regional: Where First Home Buyers Can Still Afford to Buy in 2025","With Sydney deposits taking 8 years to save and Melbourne 5.5 years, discover the affordable regional towns and commuter areas where first home buyers can still enter the market in 2025.","https://images.unsplash.com/photo-1687586370709-9aec4143d89a?q=80&w=2070&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D","2025-06-21",[903,955,937,1177,1096],{"_path":1326,"title":1327,"description":1328,"image":1329,"date":1330,"author_name":12,"author_avatar":13,"tags":1331,"category":965,"reading_time":992},"/blog/why-now-is-the-sweet-spot-for-first-home-buyers-before-interest-rates-drop","Why NOW is the Sweet Spot for First Home Buyers (Before Interest Rates Drop)","Discover why first home buyers should act now before interest rates drop. Learn about current market opportunities, reduced competition, and strategic advantages in Australia's property market.","https://images.unsplash.com/photo-1456574808786-d2ba7a6aa654?ixlib=rb-4.1.0&q=80&w=1080","2025-06-15",[903,1301,1332,1168,1096,1103,1110,1071],"market-timing",{"_path":1334,"title":1335,"description":1336,"image":1337,"date":1338,"author_name":12,"author_avatar":13,"tags":1339,"category":904,"reading_time":1285},"/blog/should-you-buy-now-or-wait-2025-market-trends-explained","Should You Buy Now or Wait? 2025 Market Trends Explained","Navigate Australia's property market with confidence. Expert analysis of 2025 trends for Sydney, Melbourne, Brisbane, and Perth buyers. Make informed decisions with real data and professional insights.","https://images.unsplash.com/photo-1609126808708-17b84d5a61c1?q=80&auto=format","2025-06-04",[902,1096,1103,1110,903,1111,1071],{"_path":1341,"title":1342,"description":1343,"image":1344,"tags":1345,"category":20,"reading_time":992,"date":1346,"author_name":12,"author_avatar":13},"/blog/introducing-gomatch-propertygo-revolutionary-buyer-agent-matching-system","Introducing GoMatch: PropertyGo's Revolutionary Buyer Agent Matching System","Discover how PropertyGo's GoMatch feature uses AI-powered technology to connect you with the perfect buyer agent in under 24 hours. Say goodbye to endless research and hello to smart, data-driven agent matching.","https://images.unsplash.com/photo-1547190027-9156686aa2f0?q=80&auto=format",[1071,1073,1155,1156],"2025-05-24",{"_path":1348,"title":1349,"description":1350,"image":1213,"tags":1351,"category":1353,"reading_time":894,"date":1354,"author_name":12,"author_avatar":13},"/blog/how-to-use-loan-repayment-calculator-to-plan-your-mortgage","How to Use a Loan Repayment Calculator to Plan Your Mortgage","Learn how to use a loan repayment calculator to understand your mortgage costs, compare scenarios, and plan your finances effectively. Estimate your monthly home loan repayments with PropertyGo's calculator.",[1193,1167,1352,1169,884],"calculators","Calculators","2025-05-23",{"_path":1356,"title":1357,"description":1358,"image":1359,"date":1360,"author_name":12,"author_avatar":13,"tags":1361,"category":20,"reading_time":1208},"/blog/finding-the-right-buyer-agent-how-propertygo-simplifies-your-search","Finding the Right Buyer Agent: How PropertyGo Simplifies Your Search","Discover how PropertyGo's innovative matching service eliminates the frustration of finding the perfect buyer agent. Learn about common challenges in the search process and how our data-driven approach connects you with agents who match your specific property requirements.","https://images.unsplash.com/photo-1660165458059-57cfb6cc87e5?q=80&auto=format","2025-05-07",[1071,1073],{"_path":1363,"title":1364,"description":1365,"image":1366,"date":1367,"author_name":12,"author_avatar":13,"tags":1368,"category":904,"reading_time":1119},"/blog/foreign-investment-trends-return-of-chinese-buyers","Foreign Investment Trends: The Return of Chinese Buyers","Explore the resurgence of Chinese buyers in Australia's property market in 2025. Learn what's driving renewed interest, how local markets are responding, and what this means for investors and homebuyers.","https://images.unsplash.com/photo-1554623515-3b2f224b92f2?q=80&auto=format","2025-05-05",[1111,902,1096,1103,1110],{"_path":584,"title":1370,"description":1371,"image":1372,"date":1373,"author_name":12,"author_avatar":13,"tags":1374,"category":904,"reading_time":1074},"The Great Housing Shortfall: Can Australia Meet Its 1.2 Million Homes Target?","With Australia facing a projected shortfall of 300,000 homes by 2029, this article explores the causes, government strategies, and the implications for investors, developers, and homebuyers.","https://images.unsplash.com/photo-1491357492920-d2979986a84e?q=80&auto=format","2025-05-02",[902,937,1111,903],{"_path":1376,"title":1377,"description":1378,"image":1379,"date":1380,"author_name":12,"author_avatar":13,"tags":1381,"category":20,"reading_time":992},"/blog/navigating-australias-housing-affordability-crisis-in-2025-strategies-for-first-home-buyers","Navigating Australia's Housing Affordability Crisis in 2025: Strategies for First-Home Buyers","Explore the challenges of housing affordability in Australia for 2025 and discover practical strategies, government schemes, and expert tips to help first-home buyers enter the property market.","https://images.unsplash.com/photo-1516503424803-708327384b90?q=80&auto=format","2025-04-26",[937,903,1071,902],{"_path":1383,"title":1384,"description":1385,"image":1386,"date":1387,"author_name":12,"author_avatar":13,"tags":1388,"category":1170,"reading_time":1285},"/blog/the-rise-of-sustainable-housing-in-australia-investment-opportunities-and-market-trends-for-2025","The Rise of Sustainable Housing in Australia: Investment Opportunities and Market Trends for 2025","Explore how sustainable housing is reshaping Australia's property market in 2025, with insights into green building trends, investment opportunities, government incentives, and how eco-friendly features are driving property values across major cities and regional areas.","https://images.unsplash.com/photo-1542601906990-b4d3fb778b09?q=80&auto=format","2025-04-21",[1200,1111,902,1096,1103,1110],{"_path":1390,"title":1391,"description":1392,"image":1393,"date":1394,"author_name":12,"author_avatar":13,"tags":1395,"category":20,"reading_time":1240},"/blog/do-i-really-need-a-buyers-agent-answering-the-big-questions-before-you-commit","Do I Really Need a Buyer Agent? Answering the Big Questions Before You Commit","Explore whether you truly need a buyer agent for your property purchase. Get expert answers to common questions about buyer agents, their value, and when they're worth the investment in today's competitive real estate market.","https://images.unsplash.com/photo-1609643242070-c69786a76c30?q=80&auto=format&fit=clip","2025-04-13",[1071,1073,903],{"_path":1397,"title":1398,"description":1399,"image":1400,"date":1401,"author_name":12,"author_avatar":13,"tags":1402,"category":20,"reading_time":894},"/blog/property-buying-in-australia-exploring-different-types-and-their-pros-and-cons","Property Buying in Australia: Exploring Different Types and Their Pros and Cons","A comprehensive guide to the different property types available in the Australian market, including commercial, owner-occupier, investment, and rural properties. 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