* This article originally published in the February 2018 Midland Express

It’s fair to say the property market can feel like an obstacle course at times.

Everyone has their own bit of advice on real estate, but what is right for your situation may not suit the next person at all. Some key things to consider when tackling the decision of what to do with your existing property when the time comes to move on – should you sell it or rent it out.

Let’s not get emotional

Although difficult, it is critical to making smart and informed financial decisions. Be objective and try to understand why you are considering the options.

Downsizers whose family have left the home might want to keep the family home as it still hold great emotional attachments. Basing decisions about such a large asset can be dangerous territory and can lead to poor financial decisions.

Don’t rush it. Without prudent advice and a thorough understanding your individual financial situation, trying to sell quickly this may not be the right decision either.

Your Cash Flow

Holding on to an investment property could give your finances an injection in the future and present tax incentive, but consider your cashflow in meantime? If your investment is dependent on the projected rental income from the property, consider things like maintenance costs and upkeep, body corporate costs and council rates depending on the property or what if the property is vacant for a period of time for whatever reason. All these things could impact the viability and manageability of your investment.


Remind yourself why you purchased the home in the first place. Was it a home to live in long term or a financial decision based on market opportunities? If you have strong, reliable information to support the investment, the benefit of turning your home into a rental may outweigh the associated risks.

Are you more confused then ever? Here are our top considerations when deciding whether to rent or sell your existing property.


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New Year resolutions for sellers who haven’t sold yet

*This article originally appeared in the January 2018 Midland Express

A lot of people have resolved to sell your home this year.  With people recovering from Christmas and ready to start forging ahead with their New Year’s goals, it is a great time to take the plunge and get your house on the market.

But what happens if you house has been on the market for a while and hasn’t sold? The Kyneton market is certainly hot but there could be a small reason why your home hasn’t shifted. If you’re really dedicated to selling your house this year, you need to take decisive action.

A couple of things to think about:

  1. Reinvent your listing

Let’s be honest, if you’ve been trying to sell for quite a while without little interest, it might be time to shake things up.  Often a price adjustment can make a listing sell much swifter. Sometimes just a refresh of your marketing is enough to target new buyers ready to launch into 2018.This could include changing the copy about the property, a new heading about the property or using different hero images can make a huge difference.

  1. Stage your home

The internet is full of incredible ideas on how you can scale back on the personal but increase the potential of staging and styling your home. If necessary, commission a home stager or a trusted friend who has great personal style to help you get to market.

  1. Ask for help

If all else fails, why not give me a call?  Ten minutes on the phone can help you to understand the issues, and whether or not you can do something to improve the situation. If your New Year’s Resolution is to sell your home, let’s make it a priority to get it done right and with maximum profit for you.

For more on how I can help you sell your home, head to


The benefits to selling your property over Christmas

* This article was first published in the December Midland Express

Are you trying to sell your home just as everyone else is putting their Christmas tree up? Don’t fret! There are some known advantages to selling through Christmas and New Year.

There are some challenges to selling your property through the Christmas holidays. Many agents shut shop and have a break, buyers are distracted with the silly season and many of us are just plain tired!

But if you are selling your property over the Christmas holidays, don’t stress! It actually might be a good thing.

With the spring selling season slowing down, there are buyers still on the lookout for their next property. Christmas time is less competitive and house hunters who missed out on a spring sale are still actively looking.

After Christmas, people’s schedules slow down which means more time for them to scout and view properties. The motivation to start the year off with a new home purchase is not something sellers should discount.

Consider also that there is less competition. Selling at the height of spring means you’ll house needs to stand out from the pack. With fewer properties listed during christmas and New Year, buyers have less prospects to choose from.

At the end of the year, people are reflective and inventive. Buying a house is often on people’s mind as one of their new years goals and doing that sooner sets the momentum for the year to come.

In a hot market like Kyneton, listing over Christmas might be a strategic move in securing a sale with just a special few houses on the market.

For more on how to you maximise a Christmas sale, head to


Home for the holidays? 3 tips for Buying or Selling at Christmas

It is a such a busy time of year! And Christmas can be stressful as it is let alone if you are buying or selling a home during this period. Then it can be downright overwhelming.

So to help you with the overwhelm, we’ve collected a few pointers to assist with your property sales thisChristmas.

  1. Identify Christmas Shutdown Clauses

When you buy a property, you need to exchange contracts before settlement is to occur.

A contract exchanged on 5 December might settle on 4 January, however keep in mind many offices close for the Christmas shutdown period.

In order to ensure that you are not in breach of your contract, your solicitor or conveyancer may need to include a Christmas Shutdown Clause, which states that your settlement will occur immediately after the Christmas Shutdown Period.

  1. Plan your holiday absence

Many people take a trip out of town over the Christmas period. If you’re buying or selling a house, your contract may require you to complete a transaction while you’re not home.

If you are going away, you must notify your conveyancer or solicitor know. Before you take off, ensure that you have signed all documents so that the exchange or settlement can occur even in your absence. Alternatively, you might want to nominate a power of attorney.

  1. Be realistic about approvals

It is important that you are realistic about time frames for loan approval processes. If you have submitted your request in late November, you may not get approval until the new year given the process time frames. Ensuring you are prepared and realistic will help keep the stress lower.

Whatever you choose to do, knowing that buying or selling your house over the Christmas period might be the best gift you ever receive.

Mistakes you need to avoid when putting your house on the market

*this article first appeared in the October edition of the Midland Express 

When selling, a few simple mistakes may leave your home flailing on the market. Fortunately these are easy to avoid and can be managed with some prudent changes.

Don’t ask for too much money. Your house is only worth what the market will pay for it so ensure that you are prepared to list your house at or just around that mark. Pricing your home too high will discourage interested parties from making an offer, and your property could sit for months, which isn’t your goal.

Pick the right agent. Sure, a big brand and nice logo might appeal to you as a seller but when it comes to selecting the right agent, looks might not translate into the best person for the job. Can the agent support you during the stress, help you focus on what matters most and be clear in meeting your needs? If not, find someone who can. Immediately.

Don’t skip the marketing. Everyone wants to cut costs and save some money for other things in life. However cutting costs on marketing is like stopping a clock to save time. You’ll always have to make up for the deficient somewhere else. Marketing is an investment on the bigger return of a house sale. So don’t get your nephew with the good camera to take the photos of your property, pay for the professional who can showcase your home in the best light possible.

Fix the broken. It’s common sense, really. If it’s broke – fix it. Prospective buyers want to envisage themselves moving in and settling immediately, not spending their time fixing damaged and broken fixtures and fittings.

For more on how to get the right sale for your house, head to

New Federal Budget Changes: Unfair on residential investors or evening out the field?

*This article first appeared in the Midland Express in September 2017

The 2017 Federal Budget announced changes to how depreciation can be claimed on residential properties which could potentially cost some investors tens of thousands of dollars. Some experts claim that these changes while potentially having a negative effect on housing affordability despite these changes being designed to do the opposite.

The measures, announced on budget night, read as follows:

From July 1, 2017, the Government will limit plant and equipment depreciation deductions to outlays actually incurred by investors in residential real estate properties. Plant and equipment items are usually mechanical fixtures or those which can be ‘easily’ removed from a property such as dishwashers and ceiling fans.”

The government expects the changes will save Australia $260 million.

What this means is that the investor can only claim on things that they purchased themselves such as dishwashers, fans or other fixtures, a deduction only possible if they presumably purchased the property new.

But Is this such a big deal?

Investment experts suggest that the impacts to the market might have broader implications then just hitting the pocket of the investor. With investors needing to recoup their costs somehow, the price to recover their expenses will inevitably be passed on to the tenant, all which continues to impact on affordability.

We might see investors now holding onto a property for longer, because they know they won’t get depreciation on their next property.

It is yet to be seen whether these tax changes act as a deterrent for investors but the bigger question for government is what is being done about the supply issue.

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Spring is coming. No really, it is!

*This article appeared in the Midland Express Newspaper on Tuesday 1st August 2017


Even though the sting of a Kyneton winter is still in full effect, keep in mind that in a few short weeks our daffodils will be blooming and the days will be mercifully longer.

Consider this your lead up time in preparation for a spring sale.

But before you do anything, get in touch with your agent. This is the perfect time to reach out to them so that they can give you advice on what needs to be done to secure the best price sale for your property. Talking with a trusted agent will also assist you in planning for the months ahead.

Your home needs to be in the best shape possible if it’s to compete with all the other properties in the springtime market. Manyt vendors make the mistake of waiting until spring has fully arrived before giving their agent a call, leaving them with limited time to prepare their home.

If you are committed to selling your property in spring, you need to start preparing your home for sale at least a month or two before you intend to start your marketing campaign. Most homes need a fresh coat of paint, new carpeting, ridding their garden of winter debris and so on. Other vendors may need to go the whole nine yards and have extensive repairs done in order to maximise the sale price.

No matter when you choose to sell your home, it’s important to be willing to adapt to the season and circumstances. Spring provides an abundance of advantages to sellers, helping you appeal to a buyer’s wish to make a fresh start.

For more on getting your home in shape for a spring sale and on the Kyneton property market, head to