At The Harmony Group, our days are usually filled with spreadsheets, market yields, and the long-term mechanics of property investment. For over 15 years, we’ve built a reputation on finding niches that work—from sophisticated residential opportunities to our specialised work in co-living investments—helping our investors secure their financial futures. We’re proud of that track record…
Answering: How do I offset new Victorian land tax increases with higher-yielding property in 2026? Estimated reading time: 10 min read Yes, you can offset Victorian land tax increases by targeting investment properties that generate 10 to 12 percent gross yields, creating enough surplus cash flow to absorb the additional tax burden while maintaining a…
Answering: What does the 2026 Federal Budget mean for property investors and where are the safe havens? Estimated reading time: 9 min read Yes, the 2026 Federal Budget proposals could significantly reshape your property investment strategy in Melbourne, but defensive property investment Melbourne options generating 10-12% gross yields remain largely unaffected by the proposed tax…
Answering: What happens when rents hit the affordability ceiling and how does co-living stay profitable? Estimated reading time: 10 min read When Melbourne rents hit the affordability ceiling, traditional yields compress while co-living stays profitable by splitting costs across multiple rooms, keeping each tenant’s payment well below the threshold. This works because Melbourne’s affordability ceiling…
Answering: Why is Class 1B certification becoming the gold standard for investment property valuations? Estimated reading time: 10 min read Class 1B certification is becoming the gold standard for investment property valuations in Melbourne because certified properties command 15-20% higher valuations than standard houses through income-based assessment methodology. This certification under the National Construction Code…
Answering: Why is Adelaide 0.8% vacancy rate making it the overlooked co-living opportunity in 2026? Estimated reading time: 10 min read Yes, Adelaide’s 0.8% vacancy rate creates one of Australia’s most compelling co-living opportunities for 2026 because it delivers 8 to 11 percent gross yields at entry points 30 to 40 percent below Melbourne and…
Answering: Are my co-living designs compliant with the 2026 planning code amendments? Estimated reading time: 11 min read Your co-living designs may not be compliant if they were drawn before December 2025, as Victoria’s Planning Amendment Regulation 2025 introduced mandatory changes to room sizes, fire safety, accessibility and green space requirements that now apply at…
Answering: How do I explain co-living investment to my skeptical spouse or partner? Estimated reading time: 10 min read Yes, you can explain co-living investment to your skeptical spouse by leading with verifiable numbers and independent data sources they can check themselves, turning abstract opportunity into concrete Melbourne market evidence. The key is presenting a…
Answering: Should I sell my negatively geared investment property to buy co-living instead? Estimated reading time: 10 min read Yes, selling your negatively geared Melbourne investment property to buy co-living can make strong financial sense, potentially swinging your annual position from negative $15,000 to $20,000 to positive $25,000 to $35,000. The strategy works by redirecting…
Answering: What happens to co-living rental income if Australia enters a recession in 2026? Estimated reading time: 10 min read Co-living rental income in Melbourne has historically remained stable during economic downturns, with properties serving essential workers maintaining 98%+ occupancy even when traditional rentals struggled with vacancy spikes of 8-12%. This resilience stems from a…