Property Intelligence
111 Intelligence pieces published
APF Intelligence publishes original market analysis covering Australian residential property, investment strategy, interest rates, and housing policy. Reports are written using RBA cash rate decisions and minutes, ABS dwelling and lending statistics, CoreLogic Home Value Indices, SQM Research vacancy data, and weekend auction clearance rate feeds from Sydney, Melbourne, Brisbane, Adelaide and Canberra. Each piece is datestamped, sourced, and written in plain English without spruiker tone or vendor bias.
Coverage is organised into five streams: RBA & Macro for monetary policy and economy-wide signals; Sydney & Melbourne for the two largest capital city markets; National Property for cross-capital and regional trends; Property Finance for mortgage strategy, LVR and serviceability analysis; and Property Insurance for landlord and building cover. Use the category filters to focus on the topics most relevant to your situation, whether you're a first home buyer timing your entry, an investor rebalancing a portfolio, or simply tracking where the market is heading this cycle. New Intelligence is published only after verification.
Building and landlord insurance trends, premium movements, and coverage considerations.
Property InsuranceVictoria's Landlord Exit: The Building Insurance Risk Left Behind
Victoria's investor exodus is accelerating again post-federal budget, leaving a growing number of rental properties in transition — and creating serious building insurance gaps that sellers, buyers, and remaining landlords must urgently address.
17 Aug 2026
landlord insurancebuilding insurance
Property InsuranceMelbourne Auction Surge: What Returning Buyers Must Insure First
Melbourne's strongest auction weekend in months has buyers moving fast — but a rising market brings specific building and home insurance risks that many purchasers overlook between exchange and settlement.
10 Aug 2026
building insuranceMelbourne auctions
Property InsuranceRecord Number of Homeowners at Risk of Loan Default, Data Shows
Strata insurance is compulsory across every Australian state and territory, but what the owners corporation policy actually covers is far narrower than most apartment owners realise. Here is what is included, what falls through the cracks, and what every lot owner must arrange independently.
8 Aug 2026
strata insurancelandlord insurance
Property InsuranceSale-Forced Evictions: The Landlord Insurance Gap Tenants Pay For
When a landlord sells to a billionaire investor and the tenant is told to leave, landlord insurance rarely cushions the blow. Here's what both sides need to know about coverage, vacant-property risk, and the policies that actually matter.
7 Aug 2026
landlord insurancerental property
Property Insurance$64k Strata Levy Debt: The Hidden Risk in Every Apartment Vote
A strata owner has been left with a $64,000 debt she never voted for, exposing how collective body corporate decisions can financially destroy individual lot owners — and how the right insurance strategy may be the only real protection.
5 Aug 2026
strata insurancebody corporate
Property InsuranceTenant Airbnb Subletting: The $23,000 Landlord Insurance Gap
An Australian landlord discovered their tenant had quietly turned the investment property into an Airbnb generating $23,000 in a single year — exposing a serious gap in standard landlord insurance and lease enforcement that every property investor must understand.
4 Aug 2026
landlord insuranceAirbnb
Property InsuranceStrata Insurance in Australia: Coverage Gaps Owners Must Know
Strata insurance covers the building and common areas, but Australian apartment and townhouse owners are routinely surprised by what falls outside that policy. This explainer details what strata insurance covers, what it excludes, and what separate cover every lot owner needs.
3 Aug 2026
strata insuranceowners corporation
Property InsuranceShort-Term Rental Insurance: What AirBnB Hosts Must Cover
Standard home and contents policies routinely exclude short-term rental activity, leaving Australian AirBnB hosts exposed to guest damage, liability claims, and total loss events with no cover. Here is what hosts need to know before listing.
2 Aug 2026
short-term rental insuranceAirBnB insurance Australia
Property InsuranceHelping Downsizers Could Unlock Millions of Empty Bedrooms
Construction cost inflation has quietly eroded the real value of millions of Australian home building policies. Here is how sum-insured calculations work, why so many homeowners are dangerously underinsured, and what to do about it.
1 Aug 2026
building insurancesum insured
Property InsuranceFire Destroys Melbourne Home: The Insurance Gap on Vacant Land Sales
A fire gutted a house on Melbourne's western fringe, leaving just the concrete slab and a listing priced as vacant land. The case exposes a critical insurance gap for homeowners, investors, and buyers of fire-affected properties.
30 July 2026
building insurancefire insurance
Property Insurance$150 Home Voucher Australians Can Claim Right Now
Thousands of Australians are eligible to claim a little-known rebate of up to $150 per person that can add value to their home — but most homeowners and investors have never heard of it. Here is what the voucher covers, who qualifies, and how to apply it smartly alongside your home insurance strategy.
29 July 2026
home insurancegovernment rebates
Property InsuranceStrata Insurance Common Exclusions: What Owners Corps Don't Cover
Strata insurance covers the building — but dozens of exclusions leave individual lot owners exposed. This explainer breaks down exactly what the building policy won't pay for and what separate cover you genuinely need.
28 July 2026
strata insurancebody corporate
Property InsuranceLandlord Fines Tenants $150: What Insurance Covers Rental Disputes
A viral landlord-versus-tenant dispute over a $150 fine has exposed a critical gap in how landlords understand their rights — and what landlord insurance actually covers when rental relationships break down.
24 July 2026
landlord insurancerental disputes
Property InsuranceNSW Public Housing Fire: The Landlord Insurance Wake-Up Call
A NSW public housing property went up in flames days after a neighbour warned authorities it was a fire hazard due to hoarding. The incident exposes critical gaps in building and landlord insurance coverage that private landlords and housing agencies must urgently address.
23 July 2026
landlord insurancefire insurance
Property InsuranceFire-Resistant Modular Homes: The Insurance Premium Edge
A modular home designed to be fire-resistant and assembled in a single day is shining a spotlight on how construction material choices can directly reduce building insurance premiums for Australian homeowners in bushfire-prone zones.
22 July 2026
building insurancefire-resistant homes
Property InsuranceStrata Rules and Balcony Clothes Drying: What Residents Must Know
An Australian renter's shock at being banned from drying clothes on their own balcony has reopened a broader debate about strata by-laws, their legal enforceability, and the insurance implications when residents breach scheme rules.
21 July 2026
strata insurancestrata by-laws
Property InsuranceBuilding Insurance Blind Spots When Buying in Shopping Centre Suburbs
Buyers paying a premium to live near major shopping centres face building insurance complications few anticipate — from higher commercial-proximity risks to mixed-use zoning complications that can void claims.
19 July 2026
building insuranceproperty buying
Property InsuranceStrata Insurance in Australia: What Owners Still Need to Buy
Strata insurance covers the building and common property — but leaves significant gaps for individual lot owners. Here is what the body corporate policy actually protects, and where your own cover must begin.
18 July 2026
strata insurancebody corporate
Property InsuranceSydney Strata Balcony Dispute Leaves Neighbours with $105,000 Bill
A Sydney strata owner's balcony renovation triggered a $105,000 cost for neighbouring lot owners — a cautionary case exposing how strata insurance gaps can devastate ordinary apartment owners who had nothing to do with the original decision.
17 July 2026
strata insurancestrata disputes
Property InsuranceThe Strata EV Problem Is Bigger Than a Parking Space
Australia's two million strata residents face complex insurance and approval hurdles before installing EV charging infrastructure — and the risks of getting it wrong fall squarely on owners and their strata schemes.
16 July 2026
strata insuranceEV charging
Property InsuranceEvicted Tenant Lists Landlord's Home: The Insurance Gap Exposed
An evicted tenant was charged after fraudulently listing her former landlord's home for rent — a case that exposes a critical insurance gap most Australian landlords don't know they have.
15 July 2026
landlord insurancetenant fraud
Property InsuranceAlmost Half of Renters Behind on Rent: What Landlords Must Do Now
Shock data shows almost half of Australian renters struggled to pay rent in June 2026, exposing a critical gap in landlord insurance coverage for rental default and loss of income events.
13 July 2026
landlord insurancerental default
Property InsuranceCeiling Collapse Case Reveals Who Pays When Rentals Fall Apart
A viral ceiling collapse story has exposed a critical gap in Australian rental law and insurance — who is actually responsible when a landlord ignores a reported leak and the damage escalates? The answer has real consequences for landlords, tenants, and insurers alike.
10 July 2026
landlord insurancebuilding insurance
Property InsuranceHand-built Honeywood home three decades in the making
Construction cost inflation has left a large share of Australian homeowners significantly underinsured on their building policies. Here's how sum-insured calculations work, why the gap opens up over time, and what owners must do to protect themselves.
7 July 2026
building insuranceunderinsurance