Home & Lifestyle August 6 2026

PROPERTY’S UPS AND DOWNS ARE NOTHING NEW

For most Australians, property is their largest financial asset, so even small changes in value can feel significant. But the underlying principle is the same: markets move through cycles.

Mathew Tiller, Head of Research for LJ Hooker, said that while every property cycle is different, history tells us something important: falling prices are not unusual.

“They are a normal part of the adjustment process and have occurred many times before,” he said.

“The key is to look beyond a single month’s data and understand the broader cycle. Shortterm movements can feel dramatic, but the longer-term data provides a much clearer perspective.”

The cycle of rise, pause, soften and recover is not a flaw in the property market; it is simply how it works.

“The current market deserves attention, but it does not deserve panic,” Tiller said.

“Some parts of Australia are cooling after a

strong run. Others are still being supported by population growth, tight housing supply, limited stock and relative affordability. It does not mean the market is failing but rather adjusting, which is exactly what property markets have always done.”

Since January 1986, Australian dwelling values have increased by 952.2 per cent. Over that period, there have been 486 monthly observations and 485 monthly movements. Values increased in 369 months, or around 76 per cent of the time, and declined in 116 months, or around 24 per cent of the time.

Over the same period, Australia experienced 27 upswings and 27 downcycles.

On average, an upswing lasted 13.7 months and delivered growth of 11.7 per cent. The average downcycle lasted 4.3 months and resulted in a 1.6 per cent decline.

The data does not suggest prices always rise. It shows that periods of weaker conditions have historically been shorter and smaller than the growth phases that came before and

after them.

History provides perspective, but it does not predict the future. Every property cycle is shaped by a different set of economic conditions.

“Today’s market is being influenced by higher interest rates, stretched affordability and proposed changes to property tax settings,” Tiller said.

“These factors are changing buyer and investor behaviour, and some markets may experience larger corrections than others. The important thing is not to assume every market will perform the same way – Australia is not one property market.

“MORE CHOICE CAN BE VALUABLE, PARTICULARLY AFTER A PERIOD WHERE MANY BUYERS FELT THEY HAD TO MOVE QUICKLY OR RISK MISSING OUT”

“Conditions in Sydney are different to Perth. Melbourne is different to Brisbane. Even neighbouring suburbs can perform very differently depending on affordability, housing supply, employment, buyer demand and the type of stock available.”

A softer market can create opportunities. Buyers often have more choice, more time to make decisions and greater scope to negotiate than they do during a strong growth market.

“More choice can be valuable, particularly after a period where many buyers felt they had to move quickly or risk missing out,” Tiller said.

“But trying to perfectly time the bottom of the market is incredibly difficult but by the time it becomes obvious the market has turned, competition has often started to return.

“The better approach is to focus on buying the right property in the right location at a price that suits your budget and long-term plans. Short-term price movements matter, but they should not be the only factor driving the decision.”

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The Experts

WHY GRADUAL PROGRESS LEADS TO BETTER RESULTS

Progressive overload is one of the fundamental principles of strength and conditioning. It involves gradually increasing the demands placed on the body over time, allowing a person to continue adapting and improving. Without progression, the body becomes accustomed to the same stimulus and improvements in strength, fitness and performance can plateau.

Progressing the right way

Many people believe progressive overload simply means adding more weight to the bar each week. While increasing load is one way to progress, it is not the only option. Progress can also be achieved by increasing repetitions, sets, varying tempo or decreasing rest period. Each of these methods increases the overall training stimulus and can support ongoing improvements when programmed appropriately. The key is ensuring progression is gradual and appropriate for the individual’s current capacity.

Why gradual progress matters Progressing training too quickly can increase fatigue, reduce movement quality and make it more difficult for the body to

conditioning program applies small, planned increases in training demand over time. This allows athletes to build strength, power and resilience while

recover. On the other hand, training with the same weight, repetitions and intensity for extended periods provides little reason for the body to continue adapting.

A well-designed strength and

reducing unnecessary setbacks. Research has shown that increasing repetitions while maintaining the same load can produce similar improvements in muscle growth to increasing

load over a short training block. This highlights that progression can be achieved in more than one way, depending on the individual and the training goal.

Building long-term performance

Progressive overload is about more than just lifting heavier weights. It is about applying the right amount of stress at the right time to continue developing performance safely and effectively. By following a structured program and making gradual adjustments to training, you can continue progressing while reducing the risk of plateaus and injury.

Individualised strength and conditioning support

If you want assistance with developing your performance or building a structured strength and conditioning program, book in with me at OnePointHealth in Penrith by contacting 4732 5188.

DON’T FORGET: PETS NEED THE DENTIST TOO The

Most of us wouldn’t dream of skipping our own dental check-ups, yet dental disease remains one of the most common – and most overlooked – health problems affecting our pets. In fact, more than 85 per cent of dogs and cats over four years of age have some degree of periodontal disease.

Many owners assume that bad breath is simply part of owning a dog or cat, but this is rarely the case. Persistent bad breath is often the first sign of dental disease and usually indicates that bacteria, plaque and inflammation are already present in the mouth.

Left untreated, dental disease can become painful and may even affect your pet’s overall health and wellbeing.

While any dog or cat can develop dental disease, it is particularly common in small breed dogs such as Cavaliers, Poodles and Shih Tzus.

Their smaller mouths mean teeth are often crowded together,

allowing plaque and tartar to accumulate more quickly.

There are several signs that may suggest your pet has dental disease. These include bad breath, yellow or brown discolouration on the teeth, red or bleeding gums, excessive drooling, loose teeth, reluctance to eat hard food, dropping food while eating, pawing at the mouth, pain when touched around the face, or even swelling of the face. Unfortunately, many pets continue eating despite significant dental pain, making regular dental examinations even more important.

Dental disease begins when food particles and bacteria form plaque on the teeth. If this plaque isn’t removed, it hardens into tartar (also called calculus). As tartar builds up, it irritates the gums, leading to gingivitis. Without treatment, the infection progresses beneath the gum line, damaging the tissues and bone that support the teeth. At this stage, the disease cannot

be reversed and painful tooth extractions are often required.

The good news is that dental disease is largely preventable.

Daily tooth brushing is the most effective way to keep your pet’s teeth and gums healthy, although not every pet will tolerate it. Dental-specific diets, such as Hills Prescription Diet t/d, are designed to help reduce plaque and tartar build-up, while approved dental chews can also play a valuable role in

maintaining oral health. Feeding excessive amounts of soft or wet food may contribute to plaque accumulation, and cooked bones are generally not recommended as they can fracture teeth and cause digestive problems.

Just like people, many pets also benefit from professional dental treatment. A dental procedure performed under a general anaesthetic allows the veterinarian to thoroughly examine every tooth, remove tartar both above and below the gum line, polish the teeth and identify any painful or damaged teeth that require treatment.

Regular dental care doesn’t just freshen your pet’s breath – it improves their comfort, helps them enjoy their food, and can significantly enhance their quality of life.

If you’ve noticed bad breath or think your pet may be due for a dental check, contact the friendly team on 4736 2027. A healthy mouth is an important part of a happy, healthy pet.

ESTABLISHED OR NEW? WHAT SHAKE-UP MEANS

For decades, the choice between buying an established home or a new build largely came down to price, land size and personal taste. From next year, tax policy will weigh far more heavily on that decision – and for property investors in particular, the maths has fundamentally changed.

In the Budget, the Government announced it would abolish negative gearing on established residential properties from July 1 2027. The change applies to any established dwelling purchased after 7.30pm (AEST) on Budget night. Investors who already owned a property, or who had exchanged contracts before that time, are grandfathered and can continue negatively gearing under the existing rules for as long as they hold the property.

New builds, however, remain untouched.

Investors buying newly constructed housing will still be able to negatively gear and access the 50 per cent capital gains tax discount, just as they can today.

What negative gearing actually changes

Negative gearing allows an investor to offset a rental loss where the costs of holding a property exceed the rental income it earns against other income, such as salary or wages, reducing their overall tax bill. Under the new rules, established properties bought after Budget night will lose that broader offset. Any

rental losses on these properties can still be used, but only against rental income or future capital gains from residential property, not against a person’s salary. Unused losses can be carried forward to future years.

Exemptions have been carved out for buildto-rent developments, widely held trusts, superannuation funds, and private investors supporting government housing programs.

The case for established dwellings

Established homes still have plenty going for them. They tend to sit in more established suburbs with mature infrastructure, shorter commutes and proven rental demand.

What has changed is the after-tax return.

An investor buying an established property after May 12 2026 will no longer be able to use a rental loss to reduce tax on their salary.

For someone geared into a property that runs at a loss in the early years, that removes a meaningful piece of the investment case and means serviceability needs to be assessed on a different basis, the loss no longer does double duty as a tax offset.

The case for new builds

New dwellings now carry a clear tax advantage that established homes do not. Investors can still negatively gear a new build and access

ation benefits are also generally stronger on new construction, since both the building and its fittings start from a fresh base, adding a further deduction that established properties, particularly older ones, often cannot match.

The trade-offs are familiar ones: new builds typically carry a premium for that newness, often sit in growth-corridor suburbs where infrastructure and rental demand are still maturing, and settlement risk and construction timelines need to be managed.

What this means for buyers right now

Established homes remain a sound option for buyers prioritising land, location and immediate rental income, particularly where the investor’s income and gearing needs don’t rely heavily on offsetting losses against salary. New builds are likely to appeal more to investors seeking to keep negative gearing and depreciation firmly in the mix, provided they’re comfortable with the risks.

Owner-occupiers, meanwhile, can largely set this debate aside. The changes only affect investment properties, and the decision between established and new remains a question of lifestyle, budget and finance structure rather than tax.

This article is general information only and

Relax & Unwind

AMANDA JANE

Clairvoyant Medium

amandajane-xo.com

revivalretreats.com.au

@ amandajaneclairvoyant

AQUARIUS

JANUARY 21 TO FEBRUARY 19

Fresh ideas and meaningful conversations bring renewed inspiration. This is an excellent week to collaborate, brainstorm or reconnect with people who share your vision. Your originality is one of your greatest strengths, so don’t dilute your message to please others. The right people will appreciate you for exactly who you are.

TAURUS

APRIL 21 TO MAY 21

Your focus shifts towards creating greater peace and stability in your everyday life. Take time to appreciate how far you’ve already come instead of only focusing on what’s still ahead. Financially, a practical choice now will pay off later. Someone close may offer support or encouragement exactly when you need it most, so look out for it!

LEO

JULY 23 TO AUGUST 23

Your confidence continues to grow, attracting positive attention wherever you go at the moment. This is a wonderful week to take the lead on a project, express your creativity or pursue a personal dream you have in the back pocket. Others are inspired by your warmth and optimism. Don’t be afraid to let yourself be seen, you’ve earned this moment.

SCORPIO

OCTOBER 24 TO NOVEMBER 22

Your dedication is beginning to pay dividends, even if the rewards aren’t fully visible just yet. Stay focused on your long-term vision and avoid becoming distracted by temporary setbacks. Trust your intuition around financial or career decisions. Your quiet determination will take you further than you realise, so don’t doubt yourself.

PISCES

FEBRUARY 20 TO MARCH 20

Your intuition is heightened, making this a beautiful week to pay attention to dreams, synchronicities and quiet inner guidance. Prioritise your wellbeing and protect your energy from unnecessary distractions. A creative project or heartfelt conversation could remind you of your purpose. Trust that Spirit is gently guiding every step forward.

GEMINI

MAY 22 TO JUNE 21

Your gift for communication shines brightly this week. Conversations flow easily, making this the perfect time to resolve misunderstandings, negotiate, or share an exciting idea. Stay curious, because a new opportunity may come through an unexpected connection. The more open you are to change, the more rewarding the outcomes will be.

VIRGO

AUGUST 24 TO SEPTEMBER 23

Sometimes the greatest progress comes from slowing down. This week encourages you to release unnecessary pressure and trust that everything is unfolding in perfect timing. A practical solution you’ve been searching for may suddenly become obvious. Listen to your body and allow yourself moments of rest without guilt.

SAGITTARIUS

NOVEMBER 23 TO DECEMBER 21

The universe is encouraging you to think bigger. Whether you’re planning travel, studying something new or exploring a fresh opportunity, this is your time to expand your horizons. A spontaneous decision could lead to an unforgettable experience. Trust your adventurous spirit, it rarely leads you in the wrong direction. You should know this by now.

ARIES

MARCH 21 TO APRIL 20

Momentum continues to build around your goals, but this week reminds you that success comes from consistency rather than speed. Trust your instincts if you’re faced with an important decision. A chance meeting or opportunity could open a door you’ve been hoping would appear. Stay confident, and don’t let self-doubt talk you out of something.

CANCER

JUNE 22 TO JULY 22

Your heart is guiding you towards what truly matters at the moment. Trust your intuition if something doesn’t feel quite right, as your inner wisdom is especially strong now. A family matter or emotional conversation brings greater understanding and healing for all involved. Focus on nurturing yourself as much as you care for everyone else.

LIBRA

S EPTEMBER 24 TO OCTOBER 23

Relationships flourish when you lead with honesty and compassion. Whether in love, friendship or business, meaningful conversations strengthen important bonds. A social invitation or collaboration could bring exciting possibilities. Keep your heart open, as someone entering your life may have an important role to play in your future.

CAPRICORN

DECEMBER 22 TO JANUARY 20

You’re building something lasting, and this week reminds you that every small step matters. Focus on creating strong foundations rather than chasing quick results. Financial improvements are possible through careful planning. Don’t hesitate to lean on trusted people for advice, you don’t have to carry every responsibility alone.

66.

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Word Search

Find all the words listed hidden in the grid of letters. They can be found in straight lines up, down, forwards, backwards or even diagonally.

THEME: VIDEO GAMES

TETRIS

MINECRAFT

GRAND THEFT AUTO

WII SPORTS

MARIO KART

TERRARIA

SUPER MARIO BROS

THE SIMS

ANIMAL CROSSING

POKEMON

CALL OF DUTY

ROBLOX

FORTNITE

MARVEL RIVALS

HALO

Last week’s solution

Trivia Quiz

no single number can repeat in any row or column. But... rows and columns are divided by black squares into compartments. These need to be filled in with numbers that complete a ‘straight’. A straight is a set of numbers with no gaps but can be in any order, eg [4,2,3,5]. Clues in black cells remove that number as an option in that row and column, and are not part of any straight. Glance at the solution to see how ‘straights’ are formed.

Maddie’s Meals

Thai Pumpkin

Soup

Thai Pumpkin Soup is a delicious twist on a winter classic.

What You’ll Need:

– Large pot or Dutch Oven

– Large knife (for cutting through pumpkin)

– Immersion Blender

Ingredients:

– Butternut Pumpkin half (more if you’re feeding lots of people)

– 1 can Coconut Cream

– 1 Brown Onion

– Red Curry Paste

– 2 cups Water with Vegetable stock

– Garlic

– Spices. I use salt, white pepper, black pepper, onion powder, turmeric, a dash of chilli powder

Method:

1. Heat the pot with butter or oil on medium heat. Peel and dice onion and add to pot.

2. Add spices, garlic and red curry paste to the pot and stir. Slice and remove skin from pumpkin, adding to the pot. Add vegetable stock in water and cover, bringing to a boil.

3. Once the pumpkin is soft, take off the heat. Using the immersion blender, blend until there are no chunks. Add coconut cream and blend until smooth. Top with parsley or sour cream and enjoy!