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Insights
Stay in the loop with all the latest news and updates from Elba Living.


The Importance of Thinking Long-Term
With interest rates influencing borrowing capacity and buyer confidence, Melbourne’s property market continues to evolve. While uncertainty can encourage some buyers to put their plans on hold, changing market conditions may also create opportunities for those taking a longer-term approach. For owner-occupiers and investors alike, understanding the market and recognising where value lies can help inform purchasing decisions that align with their needs and financial circumstan


The Quality You Don’t See: What Happens Behind the Build
When you picture a new home, it’s often the finished details that come to mind - the kitchen, flooring, fixtures, finishes and all the elements that bring the space together. But some of the most important parts of a home are the ones you may never see. Throughout construction, there is a lot happening behind the finished surfaces. From the structure of the home to the checks carried out along the way, these stages all contribute to the quality and performance of the finished


SMSF Borrowing for Residential Property Ends. What It Means for Investors.
Following the recent changes to negative gearing, another significant shift has landed for Australian property investors — this time affecting those looking to purchase residential property through a self-managed super fund (SMSF). From 10 August 2026, SMSFs can no longer enter into new limited recourse borrowing arrangements (LRBAs) to purchase residential property. While this closes one pathway for investors looking to use leverage within super, it doesn’t close the door on


New Builds & Negative Gearing. The Opportunity for Investors.
The recent Federal Budget has changed the landscape for property investors, but one thing remains clear: new build properties offer some of the strongest investment opportunities available, with access to negative gearing and depreciation benefits still firmly on the table. From 1 July 2027, negative gearing for residential property will be limited to newly built homes and established properties purchased before 12 May 2026. For investors, this means new builds, such as house
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