The PROPERTY DOCTORS, Sydney Australia Novak Properties

Buying property isn’t just about your deposit anymore — it’s about your wage-to-loan ratio too.

💰 Banks are lending around 5–6x your income.
So earning $80K and trying to buy a $2M home? The numbers won’t stack up.

What we’re seeing:
• First-home buyers using family guarantees
• Leveraging rental income to increase borrowing power
• Living at home to avoid rising rent
• Building equity through smart first investm...

Houses vs Units on the Northern Beaches 🏡

115% growth on a $2M house over 10 years? That’s over $4M. Massive.

Here’s the split we see 👇
• Units = yield & lower entry cost
• Houses = long-term capital growth

Units are great for first-time investors. Lower deposit, lower outgoings.
Houses? Bigger buy-in, higher costs… but historically stronger growth.

It all comes down to cash flow, risk appetite & long-term goals.

I...

Auction clearance rates… are they telling the full story? 🤔

1,000 auctions scheduled.
700 results reported.
500 sold.

Headline says 71%.
Reality? Closer to 50%.

That’s a completely different market.

Before making a million-dollar decision in Sydney, look beyond the Saturday night percentage 👇
• Number of registered bidders
• Days on market
• Stock levels
• Re-listed properties

Perception moves fast. Reality...

Commercial property isn’t just real estate… it’s strategy. 💼🏢

In residential, you might spend $50k on a renovation and see little return.

But in commercial?
A vacant shop at $600k could be worth $800k+ once tenanted.

Buy vacant.
Build the business.
Set a strong lease.
Hold the asset.
Refinance or sell at a premium.

That tenant = leverage.
That lease = value.

Smart business owners treat property as their second ...

Termites, ants, fleas & even overgrown gardens 🐜🌿

Who’s responsible — tenant or landlord?

✔️ Tenants should report issues early
✔️ Landlords should organise regular inspections (it’s tax deductible!)
✔️ Annual pest checks can save thousands
✔️ Pet owners must professionally flea treat at end of lease

Prevention = clean bins, tidy gardens & good maintenance.

Because once the cockroaches move in… it’s war 😅

#Propert...

💰 “I’ve got the best partners in business… the Australian Government & the banks.” – Harry Triguboff

Property is powerful — but so are the costs.

Every time you sell and buy, you’re paying:
▪️ Agent fees (on the full value, not just your equity)
▪️ Stamp duty (again… full value)
▪️ Then potentially capital gains tax

If you’ve only got 20% equity, those transaction costs can eat up a HUGE chunk of your gains. Do that 2...

Brookvale isn’t just another industrial hub — it’s tightly held, high demand, and always growing.

We’ve seen yields jump from 2.5% to 8.5% with smart renovations and leasing strategies. One cosmetic upgrade turned into a $2–3M uplift in value.

Even small plays work. Storage units from $30K + GST renting at 10% yield = passive income in 10 years.

Commercial isn’t about square metres — it’s about yield.

Thinking outside the resi box? Let...

Price guide or price lies? 👀

We can’t control what a property sells for — at auction or private treaty. The market decides.

But price guides? They must reflect real buyer feedback. And if that feedback shifts, the guide should shift too.

Underquoting isn’t clever marketing. It’s a short-term tactic dressed up as strategy. And it breaks trust — and hearts.

Trust > hype. Always.

#RealEstateTalk #PriceGuide #PropertyMarket #Auction #Tr...

Selling isn’t just about listing a property. It’s emotional — especially when it’s due to the “3 D’s”: death, divorce or disputes.

If a property isn’t selling, it always comes down to the 3 P’s:

🏷 Price – Are you meeting the market?
🏡 Product – Is the property presented at its best?
📣 Promotion – Are you leaving no stone unturned?

And in commercial? Add a 4th P: Patience.

Get the strategy right. Listen to the market. Adjust ...

Build costs are skyrocketing. Tight labour market. Materials up. Developers squeezed from every angle.

But here’s the silver lining 👇

If you can’t replicate a property at today’s construction prices, that sets a floor under property values.

We’re not talking land. Not profit.
Just build costs — around $700k+ before land.

To replace a 1–3 bedroom apartment today? You’re looking at $1.2m–$1.3m.

If you already own property… you’re hol...

Interest rates. Rising costs. Government changes. It’s been tough.

But here’s the truth 👇

🏡 Long term? Property still wins for many.
📈 Stocks may outperform at times — but nothing replaces having a place to call home.
💡 If you’re renting and want to buy: start small. Don’t be picky. Grow from 1 bed ➡️ 2 bed ➡️ 3 bed.

Everything’s gone up — groceries, bills, life in general. Housing is the big one.

If you need guidance navig...

One agent… or two? 🤔

Co-agency can work — but only when there’s:
✔️ Total transparency
✔️ Clear control of marketing
✔️ Strong communication
✔️ Trust

Without that? It can get messy. Mixed messages. Confused buyers. Blurred accountability.

At the end of the day, the real question is:

If you were selling your property…
Would you want two agents?
Or one exceptional agent who fully backs themselves?

It’s always abou...

Buying commercial off the plan? ⚠️

Not all plans are equal.

✔️ Marketing plans ≠ stamped council-approved plans
✔️ Ceiling heights can vary lot to lot
✔️ Layouts & positioning can change
✔️ Fire safety & compliance updates can impact design

The key? Do your due diligence.
Review the approved construction plans — not just the brochure.

Yes, buy off the plan… but be proactive. It can significantly increase value a...

First home buyers — saving a deposit isn’t easy.

Harry Larkos made it happen 💪

✔️ 80% saved
✔️ 20% spent
✔️ Consistency & discipline
✔️ Took advantage of family support

While prices in DY were growing 8–10%, he focused on securing something early rather than waiting.

Simple strategy. Serious discipline. Big reward.

Thinking about your first home? Start with a plan.

#FirstHomeBuyer #PropertyJourney #DY #NorthernBeaches #S...