Finance advice

Where are tenants struggling the most to pay rent?

By Sasha Karen
Struggling to pay, pay rent, rental market, property market

According to an updated index, Australia is in the middle of a rental crisis, with a serious need for a national housing plan.

Knowing whether potential tenants can easily pay rent is a key element of renting out a property, but Australia-wide, there is a deep rental stress issue brewing.

The May Rental Affordability Index (RAI), a biannual index released by National Shelter, Community Sector Banking and SGS Economics & Planning, which measures rental affordability relative to household income, has found that Hobart is the least affordable capital city in Australia to rent in, with 29 per cent of household income being required to pay rent and an RAI of 102, which is deemed as moderately unaffordable rent.

Following Hobart is Sydney, which requires 27 per cent income and an RAI of 113, and then Adelaide, requiring 26 per cent income and an RAI of 117 per cent, which are both also deemed moderately unaffordable.

For lower-income households, Sydney and Canberra in particular have high levels of rental stress, as median incomes here are higher than the national average.

“The latest [RAI] shows the rental crisis continues. Financial stress, overcrowding and insecurity are the everyday reality of working families,” Ellen Witte, partner at SGS Economics and Planning said.

Adrian Pisarski, executive officer at National Shelter said despite some improvement in rental stress in the capital cities, low incomes households are still struggling.

“For households below the median income, rental affordability remains a real problem while for households on moderate and low wages and benefits, we have a genuine crisis in rental affordability,” Mr Pisarski said.

In order to protect those lower income households, Andrew Cairns, CEO of Community Sector Banking, said there is a need to establish a national housing plan.

“Without action, lower income earners will be forced from our cities and capitals like Sydney will lose vital workers, like those in hospitality,” Mr Cairns said.

Conny Lenneberg, executive director of the Brotherhood of St. Laurence, said that the index reveals the extent of Australia’s housing crisis on low income households.

“People are facing deep challenges securing affordable housing in the private rental market, pushed further and further away from the areas from where the jobs are located,” Ms Lenneberg said.

“For some vulnerable people who are unemployed, the combination of very low rates of Newstart — as little as $38.98 a day for a single unemployed person — and rising rents for even modest accommodation, is proving unbearable. The consequence is that people are being pushed into homelessness.”

In order to fix the crisis, Ms Witte and Mr Pisarski recommended more financial investment is required.

“There are opportunities to further streamline development planning processes, but more importantly to invest in social and affordable housing for workers. The use of instruments like the density bonus and inclusionary zoning needs to be maximised,” Ms Witte said.

“The data demonstrates the need for national leadership and a national housing strategy. We need to bring the threads of tax reform, incentives to encourage greater investment by institutional finance and states, planning reforms and urban and regional development together to tackle this problem,” said Mr Pisarski.

Meanwhile, Brisbane, Melbourne, all of the ACT and PerthPerth, TAS Perth, WA are all considered to have affordable rents, which require 25 per cent, 24 per cent, 23 per cent and 21 per cent income and RAIs of 121, 126, 128 and 145 each, respectively.

When zooming out to look at the major states aside from their capital cities, NSW remains moderately unaffordable with 27 per cent of income required and an RAI of 112. Tasmania, Queensland, Victoria, South Australia and Western Australia are all deemed to be affordable, With 25 per cent, 25 per cent, 24 per cent 22 per cent and 20 per cent income required, and with RAIs of 121, 122, 123, 137 and 153 respectively.

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podcast

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With the softening market impacting property values in many parts of Australia, Sally Dale, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Sydney
Brisbane
Adelaide

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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Revesby
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Sans Souci
Strathfield

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Top 100 ranked agent Bill Tsounias shares the secrets to getting the best deal in a softening market
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  ["title"]=>
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  ["introtext"]=>
  string(293) "

Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Launceston
Raceview

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A joint property portfolio before they were even living together

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