How do banks and valuers assess a nine-bed co-living loan under APRA’s 2026 rules?
APRA’s 3% buffer and 20% DTI cap apply to every investment loan in Australia in 2026, and nine rental incomes can change what a lender counts.
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Melbourne values are down and rents are up. Is this the window for a knock-down-rebuild co-living project?
Melbourne values fell 4.7% this year while rents rose 6%. What that combination means for a knock-down-rebuild nine-bed co-living project, sourced.
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If the RBA Lifts Rates Again in September, What Happens to a Nine-Bed Co-Living Property’s Cash Position Compared With a Standard Rental?
The RBA decides rates on 29 September. See how a Melbourne nine-bed co-living property’s $179,010 gross income compares to a standard rental.
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How Do I Build Property Income That Arrives While I Am Still Working, Rather Than After I Stop?
A Melbourne nine-bed co-living property grossed $179,010 a year on average in recent projects. The honest steps to build income while you work.
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My investment property costs me money every month. Should I hold it, sell it, or replace it before July 2027?
A negatively geared property drains cash every month. Compare hold, sell and replace against Harmony’s Melbourne-built nine-bed, before 1 July 2027.
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Negative gearing ends for established property in July 2027 but new builds keep it. What does that mean for an investor deciding now?
Negative gearing changes for established property from 1 July 2027. A purpose-built Melbourne nine-bed has historically yielded 11.36% on recent projects.
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Granny flat or nine-bed co-living: what does $600,000 of equity actually buy in Melbourne in 2026?
See exactly what $600,000 buys in Melbourne: a granny flat, a standard rental, or a nine-bed co-living property, with real income and yield compared.
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How much usable equity do I have, and what could $600,000 of it earn in a high-yield property?
Work out your usable equity in four steps, then see what $600,000 could earn in a Melbourne nine-bed co-living property versus a standard rental.
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Do I Pay Land Tax on a Co-Living Property in Victoria, and Does the Rooming House Exemption Apply to a Nine-Bed?
Victoria’s rooming house land tax exemption has 7 conditions. Here’s whether a high-end nine-bed Melbourne co-living property meets them in 2026.
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What is The Harmony Formula, and why does it produce nine-bed properties?
The Harmony Formula defines the nine-bed, Class 1B co-living standard The Harmony Group builds in Melbourne, at an 11.36% yield on recent projects.
