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Creatopia Constructions

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23.01.2022 Property is on the market! Woohoo - check out our virtual 3D tour ;) https://www.realestate.com.au/property-house-vic-kangaroo+f

23.01.2022 Finally! Someone not doomsdaying about the property market! The CBA has acknowledged officially that house prices havent fallen as much as they predicted and they now expected a rebound in prices in 2021 after the pandemic ends. Of course Melbourne/VIC is still the black sheep of the family and is expected to have further property price falls compared to the rest of the country.

23.01.2022 Finally our monthly property market update is out! Heres a small preview into the economic update, whereby we look at the national economy in July 2020 (sorry not June as per slide typo). What will happen to Victoria as Melbourne goes into Stage 4 lockdown and rest of the state in Stage 3 lockdown? We will be releasing even more clips over the next few days to inform and entertain you on whats been happening to the Australian property market and economy! For the full webinar go to: https://www.youtube.com/watch?v=zcX9XX6mrwE

23.01.2022 Finally our monthly property market update is out! Here's a small preview into the economic update, whereby we look at the national economy in July 2020 (sorry not June as per slide typo). What will happen to Victoria as Melbourne goes into Stage 4 lockdown and rest of the state in Stage 3 lockdown? We will be releasing even more clips over the next few days to inform and entertain you on what's been happening to the Australian property market and economy! For the full webinar go to: https://www.youtube.com/watch?v=zcX9XX6mrwE

23.01.2022 Wishing you all well during this time! Just found out that Victoria is going into further restrictions and declaring a state of disaster! As more cases rise in NSW and Queensland, all we have to say is we wish everyone health and wellness, and praying for those who are diagnosed and have symptoms. Our attitude is that we will get through this together as a nation, as one team! Aussie Aussie Aussie, Oi, Oi, Oi!!! <3

22.01.2022 Property Market News Roundup: - Assistant Minister for Superannuation and Financial Services Jane Hume told PM that the Tax Office has so-far approved almost $30 billion of super withdrawals. - As debate rages over coronavirus supplements, almost 2.5 million people could find themselves in poverty... - Housebound holidaymakers are funnelling their travel money into a home renovation boom.

22.01.2022 The current government subsidies are due to end in September 2020 - here are some real data and trends to indicate what may happen after they finish. What will happen to the real estate market? For the full July 2020 Australian Property Market Update, go to: https://youtu.be/v_Stf3yDei4

21.01.2022 Heres to hoping well uncover one of these during one of our next projects! WHAT!? This car sold for just under $300k!!! Dont worry about the rat poo, well fix that right up lol! :P https://www.abc.net.au//rare-ford-falcon-sells-fo/12503282

21.01.2022 Today one of my business mentors, Tom Williams, shares his journey of being a chameleon in business - scientist, inventer, successful business founder who took mulitiple businesses public on the Australian Stock Exchange and now business mentor. He shares his insights and wisdom to the unique opportunities in business that anyone can take advantage of during the current pandemic. Instead of focusing on the restrictions, why not make this a time of abundance? Lets Go!

20.01.2022 From the Queen of Renovations, Karen Baldwin, here are practical tips on how you can still ensure you make profits on your renovations even during uncertain times in the property market, like now! Happy weekend to you all! For more tips visit Karens page Rainmaker Property! The full interview with Karen in here: https://youtu.be/ctWeuHR95C4

20.01.2022 This could save you lots of time and money! Lesson learnt by my team of what NOT to do when renovating in winter! Have a great week everyone! #renofail #renovationproject #rainyday

20.01.2022 Mortgage and loan holders are feeling the pain from the COVID-19 impacts as the Commonwealth Bank reported a 12% increase in its full-year net profit today at $9.6 billion. The bank has repayment deferrals on 135,000 home loans. CBA has set aside $2.5 billion to cover bad loans, which is more than double the previous years provision due to COVID-19.

19.01.2022 Never fear, here's a useful tool to help you regain control of your property plan. This quick exercise takes only a few minutes and is designed to empower you on your property decisions and choices! For the full July 2020 Australian Property Market Update, go to: https://youtu.be/v_Stf3yDei4

18.01.2022 Renovation Money Saving Tip - Stone Overlays for Kitchen Benchtops! Sometimes instead of replacing the whole benchtop from laminate to stone, consider getting a quote for a stone benchtop overlay, which adds a layer of stone over your existing laminate benchtop (if in good condition). This could be a nice cost-saving exercise and still give you the finish you want! Some photos below (credit to their posters) as examples. #renovationtips #renovationideas #moneysavinghacks Happy weekend to you! Wishing you and your family health and wellness! <3

16.01.2022 Amazing story of the founder of Rainmaker Property, Karen Baldwin, as she flipped 55 houses in 6 years and turned around her business and mental state. Inspirational! :) For the full episode of the podcast, go to: https://youtu.be/ctWeuHR95C4 Learn about her journey and how to get your own property journey started in todays My Aussie Dream episode! Your host is Mary, Director of Creatopia Constructions, whose mission is to free Aussies from mortgage stress and help people embrace financial freedom through property!

16.01.2022 Here's to hoping we'll uncover one of these during one of our next projects! WHAT!? This car sold for just under $300k!!! Don't worry about the rat poo, we'll fix that right up lol! :P https://www.abc.net.au//rare-ford-falcon-sells-fo/12503282

15.01.2022 Our Australian Property Market update for August clearly demonstrates that the recovering consumer sentiment has resulted in the balance of demand and supply in the market. Watch the video to find out what the indicators say about where the market is moving to!

15.01.2022 Remember when the Banking Royal Commission flattened the real estate market activity for months during 2018? Well that's all about to potentially be undone with the government now encouraging easier lending for mortgages! This is a stimulus measure to inflate the Australian economy, which will make it easier for First Home Buyers and Lower Income Individuals to get a loan. We'll release more potential impacts for you as an home owner and investor later this week! https://www.abc.net.au//government-looks-to-relax/12700136

14.01.2022 Latest project finally staged and ready for photos! Ad will be out on Monday woohoo! Here's a sneak preview

14.01.2022 To our Victorian and especially Melbourne friends! We have a very special presentation and gift to you with specific updates to the Victorian/Melbourne property market situation! Stay tuned, the full episode and clips are coming out tomorrow for your information! :D Have a great day and hope youre all staying well with Stage 4 and Stage 3 restrictions! <3

13.01.2022 Property stocks are starting to flood the market, starting with apartments as investors offload. This coupled with the increased construction and thus supply of apartment buildings in CBD areas of major cities means only one thing - devaluation.

12.01.2022 Here are 5 simple hacks to get to your goals in property a lot faster to achieve YOUR goals!

12.01.2022 Find out what massive business opportunities are available to you during the current crisis! In this weeks podcast episode, my business mentor Tom Williams shares the not-so-hidden opportunities that can be accessed by entrepreneurial people just like you! Also if you were interested in how to get your company public on the Australia Stock Exchange and partner with major global companies - he shares his experience of going from an employee to entrepreneur and doing all of those things! For the full episode click below! https://youtu.be/CEkakw8VRD8

11.01.2022 Heres our Victorian property market update in its entirety! :) We look at: - Whats happening nationally in terms of property market values - Are Victorian property values really falling or are they increasing? - What you can do to market-proof your property holdings Enjoy everyone! https://www.youtube.com/watch?v=dpoLwkImtjs

11.01.2022 "This is not a get out of jail free card, but if it's the right thing to call it a day and say this business isn't viable or your home isn't viable then it's sadly our responsibility to have that conversation." - ANZ CEO Shayne Elliott Banks are potentially giving further extensions after September 2020 - however this is conditional on likelihood of income based on employment and/or business. Our question of the day is: How many band-aids can you put on a wound to stop it ...from hurting? Some quick tips to treat the actual wound NOW: 1. What is the likelihood of income for the next 6-9 months? 2. Is that income likely to cover all your expenses and liabilities? 3. Have you considered using your existing assets - superannuation, property, shares, other investements? 4. How can you pivot yourself to gain employment/business - training? Upskilling/downskilling? 5. Have you considered using other people's funds to improve your property value? (Contact us for more info on this one!)

11.01.2022 Key Summary of Changes to JobKeeper and JobSeeker: From September 28, JobKeeper payments will change from a flat $1,500 a fortnight to $1,200 a fortnight for full-time workers, and $750 a fortnight for part-time workers. A similar reduction will be levelled on the coronavirus supplement, which boosts payments to people on JobSeeker, Youth Allowance, Austudy and some other support payments.... While JobSeeker recipients were previously receiving just over $1,100 each fortnight, the change will see the base amount cut to about $815 a fortnight. If you or your business are on JobKeeper, another date to keep in mind is January 4, when a further reduction will be made to the payment. If youre on JobSeeker, the current payment rate is only guaranteed until the end of the year. Full story: https://www.abc.net.au//jobkeeper-jobseeker-coron/12477186

11.01.2022 This is what the Melbourne lock down will mean for you (if you're in the Metro Melbourne and Mitchell Shire lock-down area): From 11.59pm on July 8, residents must stay at home unless it's for: -Shopping for food or other essentials - Medical purposes and caregiving... - Work and study if it can't be done from home (only Year 11/12/VCE students and special needs students will return to classrooms as normal) -Exercise (but people cannot leave or enter the restricted areas of Metropolitan Melbourne/Mitchell Shire) Limits on gatherings: - No visitors at home - No more than two people (or your household group) gathering in public - Weddings limited to five people - Funerals limited to 10 people (plus those conducting) - Intimate partners can visit each other Businesses: - Retail, markets and hairdressers can stay OPEN (subject to conditions) - Cafes, restaurants, pubs, clubs and bars can do TAKEAWAY ONLY - Arenas, stadiums, food courts, cinemas, concert venues, casinos and gaming, brothels and strip clubs, beauty services, holiday accommodation, campgrounds, pools, playgrounds, saunas, galleries, museums and zoos will CLOSE - Real estate auctions will be done remotely and house inspections only by appointment Activity: - Subject to conditions, fishing, boating, tennis, golf and surfing can CONTINUE - Community sport and indoor sport and recreation will CLOSE - Religious ceremonies will be BROADCAST ONLY Holidays: - If you're already holidaying, you can complete that holiday - No new holiday travel can be undertaken from 11.59pm on July 8 - You can't visit a second residence outside the restricted areas

10.01.2022 In case youve been wondering if whats happening in Victoria affect the property market in the rest of Australia? This video answers your question! From fresh data in August 2020, we look at consumer sentiment as a key indicator of demand in the property market. In addition, this chart presents key data to people movement which also impacts on demand of property in the Victorian market. Stay tuned as the next clip we release will go into whether the property values in Victoria has indeed fallen to levels of 10 to 20% drops predicted by reputable bank economists! LIKE OUR PAGE FOR EVEN MORE USEFUL UPDATES! :) Happy Friday to you! <3

10.01.2022 Official auction clearance rate in Melbourne today was 60% even with Stage 4 restrictions - the market is still being resilient under tough conditions! We will reveal in our monthly property market update what the property market in each capital city of each state in Australia is doing - stay tuned! Happy weekend and hope youre all healthy, wealthy and joyful! Follow your bliss! <3

10.01.2022 Thank you everyone for your outpouring of support messages and inquiries! In this video, a message of gratitude, clarification and an offer you cant resist! Click to find out more! :D

09.01.2022 An update on the property market on the road from a site visit!

09.01.2022 So from recent videos we posted on Facebook and other channels we received a lot of comments - heres my response to those that say the sky is falling and the market is about to crash! From yours truly :)

08.01.2022 Melbourne Stage 4 and Victoria Stage 3 Renovation Tips! This could save you hours of time from waiting! Happy weekend everyone!

08.01.2022 Rachel Slade, the group executive for personal banking at the NAB, acknowledges there is a limit to how long deferring mortgage repayments can work. Thats because deferred mortgages are still accruing interest and household debts are getting bigger. Australia already has some of the highest household debt levels in the world. We owe more than two dollars in debt for every single dollar we earn. Total Australian household debt is $2,510 billion, according to the ABS.... Reserve Bank deputy governor Guy Debelle told Background Briefing that right now, everything hinged on employment. "What matters most in your ability to pay your mortgage is whether youve got a job, whether youve got an income," he said. "Obviously at the moment, unemployment has gone up and less people have jobs. "The big issue here is just how long this goes for and how persistent thats going to be." He said the real unemployment rate was likely higher than the official rate of 7.1 per cent because of JobKeeper. Full Article in the Link Below.

08.01.2022 One of the things we pride ourselves on is being caring and treating people as humans, especially during this current period of uncertainty. Thus this message from one of our clients today was a pleasant gift to us and we are truly grateful to serve! We are joint venturing with this home owner to renovate his property to add more cash value and are so happy we can work a kind and appreciative client! Lets get to win!

07.01.2022 Interesting times as we record our August Property Market Update for Australia! Here's some sneak preview pointers that will be in our presentation, which will be posted here and officially also on our Podcast - My Aussie Dream. Australian home prices fell 0.6 per cent last month, with the biggest declines in Melbourne as the impact of the second wave of COVID-19 was being felt. Melbourne led the home price falls last month with a 1.2 per cent slide, and prices there were d...own 3.2 per cent over the past three months, although up 8.7 per cent over the past year. Rents had fallen nationally for the first time in records going back to 1972, with a 1.3 per cent fall over the June quarter. Full article: https://www.abc.net.au//home-prices-ease-but-war/12517686

07.01.2022 So from recent videos we posted on Facebook and other channels we received a lot of comments - here's my response to those that say the sky is falling and the market is about to crash! From yours truly :)

06.01.2022 Never fear, heres a useful tool to help you regain control of your property plan. This quick exercise takes only a few minutes and is designed to empower you on your property decisions and choices! For the full July 2020 Australian Property Market Update, go to: https://youtu.be/v_Stf3yDei4

06.01.2022 Here's our Victorian property market update in its entirety! :) We look at: - What's happening nationally in terms of property market values - Are Victorian property values really falling or are they increasing? - What you can do to market-proof your property holdings Enjoy everyone! https://www.youtube.com/watch?v=dpoLwkImtjs

06.01.2022 Is HomeBuilder (Australian government grants of $25,000 and more for new builds and renovations) actually active? It seems like people have signed on to new construction projects and are dependent on the grant in order to get financing. Meanwhile, no one has lodged an actual application or received any money in the bank, whilst builders are celebrating increased sales. Maybe we are missing something here? Claims of increase home sales in "North East Victoria" only? https://www.abc.net.au//building-boom-hits-north/12423764 No application or money received: https://www.afr.com//fast-track-homebuilder-scheme-builder

06.01.2022 Sneak Preview - Forget what you heard on the news - what do actual data say about housing values across Melbourne and Victoria!? Would you be surprised to learn some prices are actually increasing even through the lockdowns? Lets find the actual truths about whats happening to the Victorian property prices here! We will be releasing the full Victorian property market video this week as well as the September Property Market Update (recording this week, release next week). ...Our warmest regards to all Victorians, especially those in Melbourne as the lockdown measures are extended as per annoucement yesterday 6 September. Hoping youre all keeping well! LIKE AND SUBSCRIBE FOR EVEN MORE USEFUL UPDATES :)

06.01.2022 What are the three most important questions you need to ask as a real estate investor/developer/renovator when communicating directly with home owners? Lessons learnt from being live on site, meeting with home owners.

05.01.2022 Interesting times as we record our August Property Market Update for Australia! Heres some sneak preview pointers that will be in our presentation, which will be posted here and officially also on our Podcast - My Aussie Dream. Australian home prices fell 0.6 per cent last month, with the biggest declines in Melbourne as the impact of the second wave of COVID-19 was being felt. Melbourne led the home price falls last month with a 1.2 per cent slide, and prices there were d...own 3.2 per cent over the past three months, although up 8.7 per cent over the past year. Rents had fallen nationally for the first time in records going back to 1972, with a 1.3 per cent fall over the June quarter. Full article: https://www.abc.net.au//home-prices-ease-but-war/12517686

05.01.2022 Whats the ultimate secret to painting for your renovation or new build?! Come with me as I share the latest renovation walkthrough of one of my projects today with you, live from site! The answer: Get an awesome professional painter, preferably a team! For the Bendigo area, contact Troy from Larkins Painting & Decorating! Awesome workmanship, friendliness and professionalism!

05.01.2022 What does the federal budget mean for the Australian property market? Quick summary: - Encouraging demand for new builds/new construction - This could mean more supply to the market, and softening of pricing for existing dwellings - More jobs in the construction industry for trades, project managers, etc. - Easier lending for existing credit holders/home owners... - Support for regional Australia to boost economy and thus flow-on impacts on the property market For more indepth summary of the federal budget, go to: https://www.realestate.com.au//how-the-2020-21-federal-bu/

04.01.2022 What's the ultimate secret to painting for your renovation or new build?! Come with me as I share the latest renovation walkthrough of one of my projects today with you, live from site! The answer: Get an awesome professional painter, preferably a team! For the Bendigo area, contact Troy from Larkins Painting & Decorating! Awesome workmanship, friendliness and professionalism!

03.01.2022 This is what the Melbourne lock down will mean for you (if youre in the Metro Melbourne and Mitchell Shire lock-down area): From 11.59pm on July 8, residents must stay at home unless its for: -Shopping for food or other essentials - Medical purposes and caregiving... - Work and study if it cant be done from home (only Year 11/12/VCE students and special needs students will return to classrooms as normal) -Exercise (but people cannot leave or enter the restricted areas of Metropolitan Melbourne/Mitchell Shire) Limits on gatherings: - No visitors at home - No more than two people (or your household group) gathering in public - Weddings limited to five people - Funerals limited to 10 people (plus those conducting) - Intimate partners can visit each other Businesses: - Retail, markets and hairdressers can stay OPEN (subject to conditions) - Cafes, restaurants, pubs, clubs and bars can do TAKEAWAY ONLY - Arenas, stadiums, food courts, cinemas, concert venues, casinos and gaming, brothels and strip clubs, beauty services, holiday accommodation, campgrounds, pools, playgrounds, saunas, galleries, museums and zoos will CLOSE - Real estate auctions will be done remotely and house inspections only by appointment Activity: - Subject to conditions, fishing, boating, tennis, golf and surfing can CONTINUE - Community sport and indoor sport and recreation will CLOSE - Religious ceremonies will be BROADCAST ONLY Holidays: - If youre already holidaying, you can complete that holiday - No new holiday travel can be undertaken from 11.59pm on July 8 - You cant visit a second residence outside the restricted areas

03.01.2022 "This is not a get out of jail free card, but if its the right thing to call it a day and say this business isnt viable or your home isnt viable then its sadly our responsibility to have that conversation." - ANZ CEO Shayne Elliott Banks are potentially giving further extensions after September 2020 - however this is conditional on likelihood of income based on employment and/or business. Our question of the day is: How many band-aids can you put on a wound to stop it ...from hurting? Some quick tips to treat the actual wound NOW: 1. What is the likelihood of income for the next 6-9 months? 2. Is that income likely to cover all your expenses and liabilities? 3. Have you considered using your existing assets - superannuation, property, shares, other investements? 4. How can you pivot yourself to gain employment/business - training? Upskilling/downskilling? 5. Have you considered using other peoples funds to improve your property value? (Contact us for more info on this one!)

03.01.2022 Property Market and Economic Update 23 July 2020 - Finally we know what the plans are for JobKeeper and JobSeeker - it will be a slow transition for most Australians and businesses off of this scheme from September into early 2021 until the scheme complete. - Some businesses and individuals wont meet the new support payment criteria and may face more financial hardship from October 2020.... - Unfortunately the government payments leaves a big hole in the Australian federal budget as they pick up the tab to keep everyday Aussies and businesses afloat. The long term impacts on the economy will definitely be felt, though no one really wants to think about that right now. - Victoria being the state in lockdown round two is expecting a budget deficit of $7.5billion - Melbourne house prices are the worst hit in the country and are expected to drop even further - Sydney rental vacancy rates are up as new listings hit the market. Housing prices have also continued their decrease over this month. - What next!? We will keep you updated as we make an update video on strategies you can take to keep you and your family safe from a property and financial perspective! - LIKE AND SUBSCRIBE TO OUR PAGE FOR EVEN MORE USEFUL UPDATES! :D

02.01.2022 In case you've been wondering if what's happening in Victoria affect the property market in the rest of Australia? This video answers your question! From fresh data in August 2020, we look at consumer sentiment as a key indicator of demand in the property market. In addition, this chart presents key data to people movement which also impacts on demand of property in the Victorian market. Stay tuned as the next clip we release will go into whether the property values in Victoria has indeed fallen to levels of 10 to 20% drops predicted by reputable bank economists! LIKE OUR PAGE FOR EVEN MORE USEFUL UPDATES! :) Happy Friday to you! <3

02.01.2022 The ANZ-Roy Morgan Australian Consumer Confidence report, released Tuesday, slipped 0.5 points its third consecutive weekly decline to its lowest in two months. It showed another fall in consumer confidence at a national level and is now down 6% from where it was in the middle of June, Mr Kusher said. The point here is whilst the lockdowns are only affecting Victoria, it is having a broader impact on the [Australian] economy, which was just starting to recover.... If we also look at search volumes, they fell across most states last week. Weve seen a little less preparedness for people to list properties as well. Its not just weighing heavily on Victoria, but its weighing on the rest of the country as well. Full article here: https://www.realestate.com.au//lockdown-2-0-property-mar/

02.01.2022 Happy October!? Mortgage deferrals are winding up with banks beginning to contact customers regarding arrangements during COVID period. What's going to happen now? A tip if you're on any mortgage arrangements with your bank is to proactively contact the bank to reassess the arrangement or its ending. The main thing banks look for is serviceability so if your cashflow/income has changed it's best to work a plan out with the bank rather than waiting for them to contact you! https://www.abc.net.au//mortgage-deferral-ending-/12723598

01.01.2022 Both the JobKeeper and JobSeeker subsidies are set to end in September, but the Federal Government has acknowledged support would still be needed past then as the coronavirus crisis continues. The changes were initially scheduled to be announced as part of the Governments budget update on Thursday, but the timetable has been brought forward, with changes to the two support schemes to be announced tomorrow. It is understood both payments will continue past September, but elig...ibility rules will be tightened and the rates of payment lowered from then on. According to modelling done by The Australia Institute, if the benefit did revert back to its old rate, approximately 650,000 people would be pushed into poverty, including 120,000 children. More on This Story: https://www.abc.net.au//coronavirus-jobkeeper-job/12471956