Parents often refer to their children as their ‘pride and joy’ and there is no doubt that becoming a parent can be a profound, life changing experience, which is just as well because the cost of raising a child is often greater than expected – at every step of the way.

Many Australian homeowners haven’t seen anything like it – values rising at their fastest pace in 32 years, property searches hitting record highs and selling at unprecedented speeds. Throw in historic low interest rates, and all signs point to a market with no signs of slowing down.

You’re dreaming of your property – what it will look like, where it will be, all the happy memories you’ll make in it. When saving to buy a new property, there is more to consider than just the final sale price.

Negatively gearing an investment property is viewed by many Australians as a tax effective way to get ahead and indeed, despite the pandemic’s shake up of the rental and property market in 2020, our love of bricks and mortar as an investment remains unabated.