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 InsuranceLandlord Insurance vs Home and Contents: What Australian Property Owners Must Know
Landlord insurance and home and contents cover are fundamentally different products — and confusing the two can leave Australian property investors exposed to significant financial loss. Here is how each policy works and which one you actually need.
6 July 2026
landlord insurancehome and contents insurance
Property InsuranceShort-Term Rental Insurance: Income Protection Gaps for Australian Hosts
Standard home and contents policies won't cover most short-term rental activity in Australia. Here's the general framework every Airbnb and holiday-let host needs to understand before a claim goes wrong.
5 July 2026
landlord insuranceshort-term rental
Property InsuranceStrata Insurance in Australia: Key Gaps Owners Still Face
Strata insurance covers the building and common areas — but apartment owners often discover critical gaps in personal property, liability, and renovation coverage. Here is what every strata owner needs to know.
3 July 2026
strata insuranceapartment ownership
Property InsuranceVictoria's Rental Loophole Exposes Landlord Insurance Blind Spots
A Melbourne ex-tenant's bizarre legal request two years after eviction has exposed a critical gap in Victoria's tenancy system — and the landlord insurance policies that fail to cover it. Here is what Victorian landlords need to know.
2 July 2026
landlord insuranceVictoria tenancy law
Property InsuranceStrata Committees vs EV Chargers: Insurance and Legal Risks for Apartment Owners
Strata committees across Australia are blocking apartment owners from installing EV chargers — a dispute that carries serious insurance, liability, and building compliance consequences that owners and investors are only beginning to grasp.
1 July 2026
strata insuranceEV charger
Property InsuranceShort-Term Rental Insurance: What Australian Airbnb Hosts Must Know
Standard home and contents insurance rarely covers short-term rental activity in Australia. Here is what hosts on Airbnb, Stayz, and similar platforms need to understand before they take their first booking.
30 June 2026
short-term rental insuranceAirbnb insurance Australia
Property InsuranceSA's Premium Market Sets a New State Benchmark
South Australia's most expensive settled sales of 2025/26 have been revealed, including a new state price record. For buyers at the premium end, the insurance obligations are as significant as the price tag itself.
28 June 2026
building insuranceSouth Australia property
Property InsuranceGranton Home Smashes Price Record on Three Acres in Tasmania
An architect-designed home on three acres in Granton, Tasmania, has sold for a new local price record, featuring a cinema, six-car garage and sweeping valley views — raising important questions about insuring high-value rural-residential properties.
27 June 2026
home and building insurancerural-residential property
Property InsuranceWhen Premium Rent Meets Standard Policy Limits
A $3.26 million home sale and a $1,950-per-week lease at Gold Coast's SkyRidge estate highlight the critical but often overlooked landlord insurance requirements for premium Queensland rental properties.
26 June 2026
landlord insuranceGold Coast property
Property InsuranceVictorian Office Mandate Drives Buyers to Homes With Higher Flood Risk
Victoria's return-to-office mandate is pushing Melbourne buyers toward regional and outer-suburban markets — areas that often carry significantly higher flood, bushfire, and storm insurance premiums that many buyers overlook before signing a contract.
25 June 2026
flood insuranceVictorian property
Property Insurance$2.35m Fitzroy Auction Win: Building Insurance Risks Victorian Buyers Miss
A young couple paid $2.35 million for a double-fronted Victorian home in Fitzroy, but the real risk may start the moment the hammer falls. Here's what building insurance buyers of heritage homes must sort before settlement.
23 June 2026
building insuranceheritage homes
Property InsuranceStrata Insurance in Australia: What Owners Pay and Why
Strata insurance is a mandatory but widely misunderstood obligation for apartment and townhouse owners across Australia. This guide breaks down what strata insurance covers, who pays, what it costs, and where owners are commonly left exposed.
22 June 2026
strata insurancebody corporate
Property InsuranceMornington Peninsula Price Cuts Expose Luxury Holiday Home Insurance Gaps
Seven-figure price reductions on Mornington Peninsula luxury homes are forcing owners to confront a hidden risk: short-term rental and holiday home insurance policies that leave multi-million-dollar assets dangerously underinsured.
21 June 2026
Mornington Peninsulaholiday home insurance
Property InsuranceThe Block Stars Rebuild Fire-Ravaged Tallebudgera Home as Prices Triple
The Block's Carlene and Michael Duffy transformed a fire-gutted Tallebudgera property into a showpiece home as the Gold Coast suburb records 270% price growth over a decade — raising urgent questions about fire insurance coverage in booming regional markets.
20 June 2026
fire insuranceGold Coast property
Property InsuranceAndrew Demetriou Sells Toorak Property Millions Below Original Range
Former AFL CEO Andrew Demetriou has sold his Toorak property for millions below the original asking range, highlighting softening conditions in Melbourne's premium suburbs.
14 June 2026
Melbourne PropertyToorak
Property InsuranceBlue-Chip Melbourne Suburbs Drive Premium Insurance Claims Despite Market Softening
Premium Melbourne suburbs maintaining strong property values are experiencing higher insurance claims and premiums, creating coverage complexities for owners in resilient markets.
13 June 2026
Melbourne propertypremium suburbs
Property InsuranceFire-Damaged Home Tops REA Searches Despite Being Deemed Unsafe
A fire-damaged property with melted gutters and burnt eaves becomes Australia's most viewed listing despite banned interior inspections, raising critical questions about building insurance coverage.
12 June 2026
building insurancefire damage
Property InsuranceVictorian Rentals Fail Safety Standards Despite $3000 Energy Upgrade Push
Barely half of Victoria's rental properties meet minimum safety standards while the state urges $3000 energy upgrades, exposing insurance coverage gaps for landlords.
11 June 2026
building insuranceVictorian rentals
Property InsurancePensioner Pays $15,000 Over Decade Then Faces Asbestos Battle
A 70-year-old pensioner paid $1,500 annually for home insurance over 10 years, only to face a bungled repair that left her disabled, homeless and fighting an unresolved asbestos nightmare.
3 June 2026
building insuranceasbestos
Property InsuranceSingle Mother's Backyard Spa Faces Fire Risk Complaints from Neighbours
A single mother faces neighbour complaints over massage oils from her backyard garden spa creating potential fire risks, highlighting gaps in home insurance coverage for home-based businesses.
31 May 2026
home insurancebusiness insurance
Property InsuranceCelestino Secures 855-Home Queensland Approval at Riverbend Project
Victorian developer Celestino has secured approval for an 855-home Queensland project, highlighting growing insurance complexities for off-the-plan property buyers.
29 May 2026
off-the-planproperty insurance
Property InsuranceProperty Renovators Budget for Crime as Break-ins Force Insurance Reassessment
Property renovators now factor crime costs into project budgets after experiencing multiple break-ins and arson attacks during construction work.
28 May 2026
property renovationbuilding insurance
Property InsuranceInvestment Property Drug Lab Triggers Insurer Claim Denial
A family's investment property was turned into an illegal cannabis grow house by tenants, with their insurer denying damage claims despite having landlord insurance coverage.
26 May 2026
landlord insuranceinvestment property
Property InsuranceBudget Tax Reforms Drive Market Uncertainty
Sydney auction clearance rates have dropped to 62% as federal budget tax reforms trigger widespread buyer caution and investor withdrawal from the property market.
24 May 2026
Sydney auctionsproperty tax