The Peer Review | Issue 8

the review

THE PLACES, SPACES & FACES OF YOUR COMMUNITY

SUBURB SPY:

very best of Caulfield North

Meet the real Phillip Kingston

FIRST–TIME HOME BUYERS:

BOY AT HEART:

FROM THE EDITOR

Smell the air? See the sky? Summer’s nearly here.

And with the shifting seasons come exciting developments at Gary Peer & Associates.

The pages you hold in your hand, for one. With a new name, a new look, but all the same faces behind it, The Peer Review mirrors how we’ve grown as a family over the last 36 years. Always adapting, always evolving – but with the same nucleus of incredible people holding us together.

Within these covers, you’ll find all the market analysis and advice you’ve come to expect. Only with a more personal touch: an insider’s insights into the people and places that propel us.

Recently, we hosted a dinner for our team members with at least a decade of service under their belt: uniting a total of 500+ years of loyalty, in one room, for three courses. And we celebrated our female colleagues with the annual Shoe Night.

Meanwhile, late September brought GPTV’s 500th episode: another reminder of how far we (if not our haircuts!) have come.

But we’re still more interested in what’s yet to come; in empowering our staff to look after their clients, and themselves; in continuing to serve our community through both property and philanthropy.

And in celebrating our re-discovered freedoms, our corner of southeast Melbourne – plus the places, faces and spaces that make us love it.

So thank you. For picking up this publication, for reading it, and for joining us on the Gary Peer & Associates journey so far.

Now, let’s turn the page. And write the next chapter – together.

Gary Peer Co-founder & Director

In this issue

04Pimp your pita. Discover all Caulfield North has to offer for foodies, fitness fanatics and fur-parents.

Features

The very best of Caulfield North

How to save for, finance and purchase your first dream place

Meet the real Phillip Kingston

State of Play

They loved it, they bought it

Key data by suburb

Market updates

Property Management update

New Projects update

to finish…

State of Play. Explore the latest market insights, from our experts on the ground. Browse your suburb’s key property sales data – and its most beautiful homes.

What’s been happening at Gary Peer?

Our people

All information was correct at the time of printing. Published by Gary Peer & Associates Pty Ltd.

The State of Play data sourced in this report covers properties sold in the entire industry. Data is extracted from reiv.com.au with a date range of July to September 2022.

2022

From paddock to real estate Phillip Kingston’s journey from the farm life to selling Melbourne’s finest properties.

SUBURB SPY:

The very best of Caulfield North

THE PITA MAN

BAKER BLEU

PANTRY

Located between Dandenong, Orrong and Glen Eira Roads, Caulfield North sits at the heart of Melbourne’s bustling southeast.

Living in this peaceful and picturesque suburb, you can leave the car in the garage. Because everything you need is on your doorstep: whether that’s to eat, to treat, or to move your feet.

From pita and pilates to parks and peonies, get ready to explore the mustknow spots Caulfield North locals love.

Fill your belly

Whether you want to find a feed or fill the pantry, Caulfield North’s myriad food strips cater to all tastes.

Two of our favourites? One where Alma Road meets Orrong Crescent and the other beside Caulfield Park on Hawthorn Road. Both offer a medley of cafés, bakeries and multicultural dinner spots to sink your teeth into.

Baker Bleu

Looking for a freshly-baked, expertly-made sourdough loaf? With the original Baker Bleu bakery close by, processed loaves will be a thing of the past.

Amongst it all on Hawthorn Road, Baker Bleu’s perfectly crafted breads, pastries and groceries bring bread connoisseurs from near and far. Any day of the week, there’ll be a queue rolling down the street. Enough said!

Be sure to try the sourdough rolls, which are a proud staple of the Gary Peer team’s lunch menu. But get in quick – Baker Bleu’s bread sells out most days!

Parkside Pantry

Struggling to get a nutritious meal on the table each night? Then stop by Parkside Pantry on your weekend food shop.

Parkside Pantry doubles as a modern sit-in café and catering business.

But it’s also your own personal pantry. With a range of readymade meals – hot and cold – there’s plenty to stack the fridge and fill the freezer to keep your family’s tummies full.

The Pita Man

If you’re after a meal that feels like a treat – but arrives overstuffed with soul- and body-enriching flavours –The Pita Man’s your man.

This family-friendly falafel joint on Hawthorn Road will have you dreaming about waterfalls of hummus. And floating on fluffy clouds of freshly made pitas.

Here at Gary Peer, we like to keep it simple. For a quick lunch bursting with fresh, healthy ingredients (and with plenty of kick!), we can’t go past a pita pocket with red harissa falafel.

Move your body

Whether it’s a mind-activating morning gym session or a Sunday afternoon amble, Caulfield North has the spaces and places to hike up the heart rate and inhale some fresh air.

Caulfield Park

Having one of the best parks in Melbourne at your doorstep will keep you at one with nature.

From its many walking tracks and sport ovals to its bowls club and tennis courts, there are activities to suit all ages and fitness levels.

With all that moving around, you’re sure to work up an appetite. Luckily, there’s plenty of spots to set up a picnic in the sunshine.

Pawfield Park

Dog parks are the best place for your dog to make friends and chase a ball.

And they have the same benefits for you! So head to Pawfield Park (yes, Pawfield) and make neighbourhood connections, while also stretching

Located at the entrance of Caulfield Racecourse on Glen Eira Road (and admittedly, just outside Caulfield North), this dog park is off leash, fenced and sub-divided into big dog and small dog areas.

Life Ready Pilates Studio

Whether you’re after a low impact exercise option or want to gain core strength and flexibility, Life Ready Pilates studio is the place you want to visit.

With the studio’s zen environment, supportive instructors and close-knit community, you’ll leave feeling strong, calm and connected. Ready for life!

The owners also know how busy their members are – and that fitting in a class can be difficult.

That’s why, in addition to their in-person mat and reformer classes, they also offer online live and on-demand sessions. You won’t need to leave the house!

Studio Forty6

When it comes to exercise, do you like to go hard and then go home? Well, Studio Forty6 will get your heart rate up quick smart.

And you’ll be done and dusted in just 46 minutes.

Opposite Caulfield Park, this group training fitness space is up and pumping at 5:45am. Sneak in before work – or release the day’s stresses with a 6:30pm evening class.

CAULFIELD PARK

PAWFIELD PARK

LIFE READY PILATES STUDIO

Treat yourself (and your loved ones)

Living in Caulfield North, you won’t need to venture far for a little self-care.

Whether it’s bringing home the perfect bouquet of flowers or a special bottle of wine for dinner, you’ll find plenty of joy in this neighbourhood.

The Doctor’s Flowers

There’s nothing like a fresh bunch of flowers in your home to boost the mood – and your décor.

Owners Isabelle and Buck have spent over a decade researching the impact flowers and gardens have on our quality of life.

With their findings – and love for flowers – they opened their Orrong Road-based florist in 2019. For your own bunch of wellbeing, stop by and pay the doctor a visit.

Cambridge Cellars

Caulfield North’s local bottle shop, Cambridge Cellars, has had a glow-up.

Flaunting a spacious, sophisticated new fit-out, this refined Balaclava Road bottle-o offers a wide selection of unrivalled wines, beers and spirits –including its famous range of Russian vodka.

Whether you’re hosting a dinner party, celebrating a win at work, or simply yearning to appreciate a nice drop of red in the evening, Cambridge Cellars is the ideal pitstop.

Susan Rose

After travelling the world, Susan has been eternally inspired to create jewellery that celebrates divine feminine beauty from cultures around the globe.

Every piece you find in Susan Rose’s store, Susan has designed herself.

With her trendy, elegant and luxe style, you’ll be sure to find the perfect gift for a loved one – or a little treat for yourself!

Is there another Melbourne suburb you’d like to inspect? Look out for more Suburb Spy action on The Peer Blog.

STUDIO FORTY6

THE DOCTOR’S FLOWERS

SUSAN ROSE

THE VERY BEST OF CAULFIELD NORTH

How to save for, finance and purchase your dream place

Yet, as with all big things in life, there’s a lot to consider –especially if you’re buying for the first time. From savings and stamp duty to fees and fixed rates, there’s plenty to get your head around.

We’ve already helped match thousands of first-time buyers with their dream home. Now – with the help of mortgage broker Dan Hustwaite – we’ll walk you through saving for, financing and buying your first house.

Dan Hustwaite Director, Aqua Financial Services

We’re happy to recommend Aqua Financial Services as Gary Peer’s preferred financial partner.

Find out more:

Saving for a deposit

Get serious about budgeting

As a rule of thumb, property prices increase year on year. Given that – and the strength of Melbourne’s real estate market – the sooner you start saving, the stronger your finances will be when it’s time to buy.

“The key to a first-time home buyer looking to save is to make sure you’re working to a budget,” says Dan, Director of mortgage brokerage Aqua Financial Services. “You need to be putting money aside each week, fortnight or month, in line with your pay cycle.

“Draw up a timeline so you know exactly what you’ll need to save to buy your first home: be it in six months, twelve months or two years.”

Essentially, saving for your first house requires willpower and accountability – though, as Dan acknowledges, it’s not always easy.

“Your savings need to be going into an account that’s not accessible: that you can’t dip into via an ATM or by tapping a card. You should still be able to use those funds in an emergency. But they need to be locked away to a point where you can’t use them for those impulse purchases.”

Play the long game

Even with a strict budget (and stricter self-control), saving for your first home won’t happen overnight. But there are some ways you can speed up the process.

For one, you can take advantage of the ATO’s first home super saver (FHSS) scheme. This allows you to make voluntary contributions to your super fund – so, extra

Owning your own home is the Aussie dream.

payments on top of those already coming out of your salary.

When you’re ready to buy, you can release these funds from your super (up to $15,000 a year, to a total of $30,000). Along the way, you’ll have benefited from your super’s lowtax environment – so your savings will have gone further. Better still, you can automate this form of salary sacrifice with your employer. That means it never hits your account –so there’s no temptation to touch it!

Save more. Pay less

To purchase your first home in Victoria, you’ll ideally need a deposit of 20% of the home’s value upfront.

You won’t always require a fifth of the property’s worth –and some lenders are willing to accept less. But if you can raise it, Dan points out, a 20% deposit offers big benefits.

“As soon as you borrow more than 80% of the property’s value, an additional fee applies. This is called Lender’s Mortgage Insurance (LMI), and it’s an insurance policy to cover the banks and lenders.”

LMI – a one-off, non-transferrable cost – is a double-edged sword. It allows you, in effect, to borrow beyond the standard 80%. But it’ll also add to your initial costs when buying your first home.

The more capital you can provide upfront, the lower your LMI will be. Which makes it even more important to save!

As soon as you borrow more than 80% of the property’s value, an additional fee applies. This is called Lender’s Mortgage Insurance (LMI), and it’s an insurance policy to cover the banks and lenders.

Call in the cavalry

Struggling to save the cash required for that all-important 20% deposit?

For some, Dan notes, there’s another way they might borrow above the typical threshold. And it’s a line of credit as old as time itself: The Bank of Mum and Dad.

“One option that’s becoming increasingly popular – simply because of the cost of property in Melbourne – is parents becoming guarantors to assist their children.

“This allows the guarantor to put up some equity that they have in property, meaning the buyer can borrow up to 95% (or even 100% or 105%) of the property’s value.

“The parent’s income doesn’t count towards increasing the loan amount, though. And the borrower will still need to demonstrate they can pay the loan based on their own income and expenses.”

Of course, there are other, more traditional ways that Mum and Dad can help. That could be supporting you with the deposit for your first home. Or simply granting you space under their roof.

“If you’re lucky enough to be able to stay at home while saving for a deposit,” Dan adds, “I think you need to make the most of the opportunity.

“Once you move out of home, the cost of living is high. So you want to build your deposit while your expenses are at a minimum.”

Sidestep the splurges

When you’re saving for a deposit on your first home, watching your expenses is vital.

But avoiding unnecessary splurges – and sidestepping unnecessary debt – is just as important for building your credit rating, too. So that when it’s time to apply for a mortgage, your financial records don’t throw up any surprises for the lender.

“Now more than ever, banks analyse what you’re spending your money on. They’ll look to verify your savings history, and at how you’ve used your disposable income.

“The banks have the potential to question your day-today spending – so it’s crucial that you’re not wasting your money on things you don’t need.”

Enjoy the journey

Penny pinching isn’t the most palatable of pastimes.

But saving effectively isn’t about putting your whole life on hold. You should approach it holistically: understanding what you’re earning, how you’re spending it, and where you can trim it back.

“Saving for a deposit requires discipline and dedication,” Dan notes, “but you still need to be able to enjoy yourself along the way.”

You can still allow yourself a brunch out with friends, or a ticket to see your favourite band. But remember to keep

HOW TO SAVE FOR, FINANCE AND PURCHASE YOUR DREAM PLACE

tabs on how this will affect your savings – and that you’re sticking to your budget.

Because when it comes to buying your first home, there’s plenty to look forward to about the destination.

Why not enjoy the journey, too?

Securing a home loan

Build your credit rating

The first step to securing finance for your first home isn’t walking into the office of a bank. It begins much, much sooner – and you can start today.

We’re talking about building your credit rating.

This is a measure of how ‘creditworthy’ potential lenders deem you: their measure of your ability to pay back a loan. Credit ratings are measured in both colour (green good; amber and red less so) and number (the higher, the better).

While there’s no ‘magic number’, Dan says, you’ll want your credit score to be at least 500 – ideally over 600. But it’s less about dwelling on the exact number, he explains, and more about developing good habits early: like avoiding unnecessary loans or credit card debt, and saving well.

“When banks assess your credit score, they’re also looking at you as a whole – at the savings you’re putting towards the purchase. They’ll examine how many credit enquiries (applications for finance) you’ve made – particularly small loans from payday lenders.

“If you’ve had a lot of credit enquiries, it indicates to the bank that you’re not managing your money. Which can have a massively adverse effect on your credit file.”

Still, credit enquiries aren’t always a hindrance to your credit rating. In fact, Dan assures, taking out loans in moderation – and paying them back regularly – helps you cultivate a healthy credit profile.

“One or two credit enquiries – for a credit card, mobile phone, utility account or even a car loan – are nothing to be afraid of. Providing, that is, you’re making payments on time.

“Now more than ever, banks share information between themselves. If you make a late payment on one credit card, it’ll show up when you come to apply for a home loan –even if that’s with another bank. This can seriously affect your borrowing capacity – and potentially put an end to your application, too.”

Pull your documents together for pre-approval

So you’ve saved a deposit, and your credit rating and finances are in good shape. Now, it’s time to fund your first home – and secure that all-important mortgage.

First up? Seeking pre-approval from a lender.

Pre-approval is when a lender conditionally agrees to finance you up to a certain amount. It lasts for a fixed, shortterm period (usually between three and six months), and gives you a good idea of your borrowing power.

Getting pre-approved also helps speed up the process when you come to buy your first home. And provides peace of mind that finance is already in place – before you even start looking at houses.

“Pre-approval,” Dan divulges, “gives you the confidence that you’ll then be able to make an offer on a property. And makes your chances of securing the property stronger than someone without that pre-approval in place.”

When banks assess your credit score, they’re also looking at you as a whole –at the savings you’re putting towards the purchase. They’ll examine how many credit enquiries (applications for finance) you’ve made –particularly small loans from payday lenders.

For pre-approval, you’ll need:

• Bank statements to prove your savings

• A list of your assets and liabilities

• 100 points of ID

• Tax returns and payslips as proof of income

Ready to seek pre-approval? Excellent. But where should you go?

Choose the right lender – or better, a broker

There’s a wealth of different lenders available to finance your first home.

Traditional banks are one, of course: third-party home loan providers are another. All offer varying interest rates (which we’ll get to in a second!) and packages.

Needless to say, it’s important to shop around – something a mortgage broker can help with.

Mortgage brokers like Aqua Financial Services act as gobetweens: working with banks and lenders to arrange the right home loan for your needs. However, they also work closely with you – collecting and curating mortgages that fit your requirements to a tee.

“Good brokers,” Dan explains, “will never put a loan in front of you that isn’t suitable for your needs. We’ll help you understand the numbers behind the loans – particularly the interest rates, and their differences – and why we’re applying for them.”

But it’s not only at the stage of securing finance that mortgage brokers come in.

“Our role in this isn’t to speak to you the minute you’re ready to buy,” Dan says, “but much earlier on. We’ll set you

up with a budgeting table, and ask you questions about where you’d like to live, and how much you’re looking to spend.

“We’ll let you know where you are, and what your savings need to look like to buy in your desired bracket. Once you’re ready to buy (or are close), we’ll provide different loan options – between four and seven – to suit you. We’ll then approach your chosen lender and put a preapproval in place.”

Fixed vs variable rates: which one’s right for you?

Home loan interest rates come in two forms: fixed and variable. But what do they mean, exactly – and why is it so crucial to pick the right one?

Fixed rates lock your interest rate in for a specific period (usually anywhere from one to five years). For that length of time, your repayments won’t change – giving you stability and making it easier to manage your cash flow in the long term.

Variable rates are currently lower than their fixed counterparts. But as the name suggests, they’re subject to change.

This could be for a range of wider economic factors: such as inflation, or shifts in the Reserve Bank of Australia’s monetary policies. And, should rates rise or fall, your repayments will fluctuate accordingly.

“Variable rates give you flexibility,” Dan explains, “but not the same sense of predictability as fixed ones. At the moment, all the talk is of rates increasing, not dropping –so you have to understand that if you apply for a loan today, on a variable rate, it will likely go up.”

Mortgage brokers like Aqua Financial Services act as go-betweens: working with banks and lenders to arrange the right home loan for your needs. However, they also work closely with you – collecting and curating mortgages that fit your requirements to a tee.

HOW

Still, variable rates offer plenty of benefits. Unlike with a fixed rate loan, you won’t incur fees to make extra repayments – so there’s no penalty for paying off your mortgage faster. Variable rates also offer features fixed rates don’t, such as:

• Offset accounts: Linked to your mortgage, these work like savings accounts. Any money you put into them will offset the balance of your home loan – meaning you’ll only pay interest on the difference, rather than the mortgage’s full value.

• Redraw facilities: These allow you to withdraw any extra repayments you’ve made on your home loan, should you need emergency cash.

Ultimately, whether a fixed or variable rate suits you will depend on your unique financial circumstances. So what’s a good interest rate?

According to Dan (and at the time of writing in October 2022) 5.29% p.a. constitutes a ‘good’ fixed interest rate.

For variable home loans – which are lower and offer more wriggle room, but liable to go up – around 4% p.a. is a competitive rate.

Paying off your home loan: how long will it take?

To this question, there’s no easy answer. After all, most home buyers – particularly first-time ones – won’t have the same loan forever. You’ll upgrade or upsize. And upscale to a different loan, perhaps with a different lender.

But, as Dan explains, there is a way to ensure your home loan remains viable throughout the period you have it for.

“If you’re not on a fixed rate, you should be reviewing your home loan every two to three years – at least – to ensure it remains competitive.

“As part of our ongoing service at Aqua, we do a pricing request to your existing lender each time we ring you for your anniversary. If we can get you a better deal with them, we’ll make it happen.”

Your first house doesn’t have to be your dream home –and it doesn’t have to be the property you’ll live in for the rest of your life. But I think you should get into the market as soon as possible.

Buying your first home

Stamp duty: do you have to pay it?

Stamp duty is a government tax on your home purchase. (It also applies when you buy a car – or take out an insurance policy.)

Outside of the deposit, this fee will be your biggest upfront outlay.

So how much is stamp duty?

This depends on a range of factors, including:

• Where you live

• Whether you plan to live in the property or rent it out

• What type of property you’re buying: is it an existing home, a new build or vacant land?

• Whether you’re a first-time home buyer

Since you are a first-time home buyer, we’re particularly interested in that last point.

So what are the rules? Dan explains.

“If you’re a first-time home buyer, you’re eligible for a stamp duty waiver on a purchase of up to $600,000 – so no stamp duty. When the purchase price exceeds $600,000, concessions are available on a sliding scale, up to $750,000. Beyond that, you’ll have to pay stamp duty.”

The costs of buying your first home: explained

Even outside of the deposit you’ve already saved (and the mortgage you’ll be paying back), buying your first home is expensive.

So – stamp duty aside – what other fees will you encounter?

• Transfer of land fees: The cost to transfer the home’s title to your name. To calculate yours, head to the Victorian state government’s website.

•

Inspection fees: To avoid any nasty surprises when you move in (think termites or other unwanted housemates) you’ll need to have the property inspected. Budget for at least $500 for this.

• Conveyancing and legal fees: The costs involved to hire a conveyancer to draft your settlement documents, check the titles and review your contract. These fees will vary, but you can expect them to be in the region of $1,500+.

• Mortgage registration fee: A small state government fee to cover the registration of your mortgage. In Victoria, it’s $121.40.

Beyond this, you’ll want to budget for the costs of moving, as well as connecting utilities such as electricity, gas and phone. Home insurance, too – if you have a mortgage, it’s mandatory.

Helping hands: two useful government grants

With such a spread of fees and taxes to think about, it can be easy to get fed up – and frustrated with the government.

But what the state can take away, it can also give back.

Take the First Home Owner Grant (FHOG), for instance – a national scheme administered at the state level. It’s a $10,000 subsidy available for those buying a new home – so it can’t have been previously occupied, rented out or sold.

Another leg-up comes in the form of the First Home Loan Deposit Scheme, run by the National Housing Finance and Investment Corporation (NHFIC).

“Under this scheme,” Dan explains, “you can purchase a property with as little as a 5% deposit – and the government will guarantee that loan. This means you won’t have to pay that LMI premium, as you normally would with less than a 20% deposit.”

The main condition? That you’re buying your first home. The only catch? That the scheme comes on a first-come, first-served basis.

“With the First Home Loan Deposit Scheme,” Dan continues, “limited spots are available. Not every lender participates, either – so you can’t simply go to any bank for it.

“10,000 places are released every year – the last release was 1 July 2022. So timing is imperative.”

When’s the best time to buy in Melbourne?

The time that’s right for you to purchase your first home is a highly personal thing.

But if there is ever a perfect time, Dan explains, it’s now.

“Your first house doesn’t have to be your dream home – and it doesn’t have to be the property you’ll live in for the rest of your life. But I think you should get into the market as soon as possible.

“Yes, the market can fluctuate. But Melbourne prices have been rising progressively – particularly since COVID-19 hit.

So my recommendation is to buy something as soon as you can. Then, you’re in the market – and getting the benefits of property prices as they continue to grow.”

Finding a home. Building a life

Over the last three articles, we’ve walked you through every aspect of purchasing your first home.

From saving your deposit and building your credit rating to understanding and applying for a mortgage, you’ll soon be signing on that dotted line.

Now, it’s time to find your future home – something we can help with.

Head to our website’s listing page to start exploring. You can filter houses by price or date of inspection/ auction, as well as sort by suburb.

We release new properties all the time – so be sure to check our listings every day for fresh additions and subscribe to our email list.

Ready to buy? We’re here for you

Then, you’ll be ready to start viewing a range of prospective first homes. Our agents will help arrange private inspections, or you can pop into one of the many open home viewings we run each week.

So good luck, and have fun. Embrace the challenges of the first-time home buying journey. The twists and turns of the tale; the trials and tribulations of the trek.

The process may have its lows, and its tough moments. But rest assured that the high – owning your own home – is worth every one. After all, there are few better feelings than penning your name on the dotted line of that deed.

Your signature; your house; your future. Enjoy!

A quick note from us: the information in this article is of a general nature, intended to offer some helpful guidelines and tips. It doesn’t constitute professional financial advice – for that, Dan and the team at Aqua Financial Services can help!

HOW

Key data by suburb

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Balaclava

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Bentleigh

HOUSES UNITS

Median sale price $1.54m $529k

Quarterly price change 3.6% -17.5%

Median rent $680pw $380pw Rental yield 2.2% 3.2%

Brighton East

HOUSES UNITS

Median sale price $2.28m $1.27m

Quarterly price change -2.1% -21.4%

Median rent $938pw $663pw

Rental yield 2.1% 2.2%

Caulfield East

HOUSES UNITS

Median sale price n/a $600k

Quarterly price change n/a 0.3%

Median rent n/a $350pw

Rental yield n/a 3%

HOUSES UNITS

Median sale price $1.62m $915k

Quarterly price change -8.5% 13%

Median rent $698pw $478pw

Rental yield 2% 2.7%

Carnegie

HOUSES UNITS

Median sale price $1.69m $655k

Quarterly price change 9.5% -1.5%

Median rent $550pw $395pw

Rental yield 1.7% 3.2%

Caulfield North

For more suburb statistics

Bentleigh East

HOUSES UNITS

Median sale price $1.43m $1.1m

Quarterly price change -6.2% -16%

Median rent $600pw $585pw

Rental yield 2% 2.5%

Caulfield

HOUSES UNITS

Median sale price $2.23m $640k

Quarterly price change -13.7% -5.9%

Median rent $815pw $430pw

Rental yield 1.6% 3.2%

HOUSES UNITS

Median sale price $2.48m $833k

Quarterly price change 48.7% 14.9%

Median rent $768pw $440pw

Rental yield 2.1% 2.7%

Caulfield South

HOUSES

Median sale price $1.78m $814k

Quarterly price change -0.7% -37.1%

Median rent $670pw $450pw

Rental yield 1.9% 2.2%

Elsternwick

Elwood

HOUSES UNITS

Median sale price $1.85m $560k

Quarterly price change -8% -21.4%

Median rent $783pw $443pw

Rental yield 1.9% 3.3%

HOUSES UNITS

Median sale price $2.88m $663k

Quarterly price change 6.5% -4.9%

Median rent $898pw $420pw

Rental yield 1.8% 3.1%

Gardenvale East

HOUSES UNITS

Median sale price $2.03m $308k

Quarterly price change n/a n/a

Median rent n/a $350pw

Rental yield n/a 5.9%

Malvern East East

McKinnon

HOUSES UNITS

Median sale price $1.67m $715k

Quarterly price change -15.5% 4.4%

Median rent n/a $390pw

Rental yield n/a 3%

Glen Huntly Murrumbeena

HOUSES UNITS

Median sale price $1.50m $648k

Quarterly price change -12.4% 3.4%

Median rent $600pw $390pw

Rental yield 1.8% 3.2%

St Kilda

HOUSES UNITS

Median sale price $1.48m $521k

Quarterly price change -23.9% -3.5%

Median rent $740pw $395pw

Rental yield 2.2% 3.7%

HOUSES UNITS

Median sale price $1.76m $640k

Quarterly price change -27.9% -11%

Median rent $690pw $420pw

Rental yield 1.6% 3%

Ormond

HOUSES UNITS

Median sale price $1.64m $565k

Quarterly price change -3.1% -21%

Median rent $635pw $385pw

Rental yield 1.8% 2.9%

St Kilda East

HOUSES UNITS

Median sale price $1.64m $535k

Quarterly price change -17.8% -20%

Median rent $700pw $400pw

Rental yield 2.1% 3.3%

HOUSES UNITS

Median sale price $1.51m $950k

Quarterly price change -24.5% -20.9%

Median rent $845pw $530pw

Rental yield 2.1% 2.8%

Ripponlea

HOUSES UNITS

Median sale price $1.73m $668k

Quarterly price change n/a 17.1%

Median rent n/a $428pw

Rental yield n/a 3.3%

St Kilda West

HOUSES UNITS

Median sale price $2.4m $595k

Quarterly price change -12.7% -19.4%

Median rent $975pw $385pw

Rental yield 2.1% 3.1%

Glen Eira market update

GARY PEER Co-Founder, Director 0414 532 778

Spring has sprung. But housing prices have done quite the opposite – having fallen from their early 2022 highs (in many cases by as much as 10 to 15%). Accepting that these levels represent value, buyers are jumping in. As such, our clearance rates have risen to around 80%, rather than the around 60% we were seeing earlier in the year.

This means we’re likely to have a good spring. Buyers and sellers are meeting on price. And for sellers in particular, there are big opportunities. For first-time home buyers, the chance to avoid stamp duty (for properties under $600,000) should remain a huge pull. However, a stamp duty review is underway, meaning the current first-time home buyer benefits may not be ongoing. So now’s the time to pounce.

We’ve also noticed over the last few months that buyers are developing a ravenous appetite for preowned prestige properties. Buyers who were once competing ferociously for land and new builds are now more accepting of dated homes. Ones that may not tick all the boxes, but are diamonds in the rough of inflated construction costs and development difficulties.

Of course, we’ve still been selling those homes that do tick all the boxes. In September, we sold a pair of luxurious Caulfield North homes at auction on the same weekend. One was the five-bedroom, four-bathroom beauty at 7 Keverell Road. The other, situated at 3 Craddock Avenue, was a mid-century masterpiece. Both sold for undisclosed prices (circa $5,000,000).

Also in Caulfield North, we had the pleasure of selling a historic house on Glenferrie Street. Home to a renowned architect, the property was one of the most notable and eyecatching we’ve sold – an absolute joy to bring to market.

Nearby, on Caulfield’s revered ‘Golden Mile’, we applied our own Midas Touch to a luxury home, which sold for around $20 million. It was the highest price ever paid for a property in Caulfield North… not a bad day at the office!

Elsewhere, there’s no shortage of exciting projects taking shape in and around Glen Eira. The transformation of the old Godfrey’s on Hawthorn Road – set to become a mix of shops and luxury apartments – continues the area’s remarkable revitalisation. A bowls club is becoming an ALDI, a disused petrol station a Woolworths. And, with yet more apartments and amenities to appear, this key stretch of Caulfield South is getting the makeover it deserves.

With footy wrapped up for the year, racing season is on its way. Which means we’ll be mapping our campaigns and auctions around key local events, such as the Caulfield Cup and the Caulfield Guineas. And, as the skies clear and the weather warms up, we’ll continue to bring increasingly exciting homes to market – and deliver the best results.

Buyers who were once competing ferociously for land and new builds are now more accepting of dated homes. Ones that may not tick all the boxes, but are diamonds in the rough of inflated construction costs and development difficulties.

Bentleigh market update

LEON GOUZENFITER Director, Bentleigh 0422 339 791

The unusually high cost of building also presents opportunity. On average, land prices have dropped by around 10 to 15% in value. And, in some parts of Bentleigh East, by as much as 25% since the start of the year. For buyers not deterred by the cost of construction, it’s an exciting prospect.

In Bentleigh, we’re seeing signs that the market has found its equilibrium.

Sellers, understanding that the market isn’t at its former highs anymore, are coming with more realistic expectations. With buyers and sellers now on the same page, trade has become freer. And we’re seeing a number of competitive auctions coming into play.

Plus, despite volume being lower than normal – even in the typically quiet winter months – we’ve seen some noteworthy results.

In the chill of late August, our team continued to raise the bar – and the bidding stayed hot. The beautiful five-

bedroom, four-bathroom home at 40 Wavell Street sold at auction for $2,850,000. On the same day only a few streets over, 11 Deakin Street – a head-turning four-bedroom home – sold for $1,850,000. Both homes were located within the highly sought-after McKinnon Secondary College Zone.

Elsewhere, a house in Bentleigh’s Rose Street, on over 1000m2 of land, became the most expensive ever sold in the 3204 postcode. And, despite some of the ‘doom and gloom’ around the winter market – with high interest rates and the seasonal lull – we still saw some standout sales.

Interest in family homes and generational holds remains extremely high – particularly with building-from-scratch fears continuing to linger. So for sellers with established property to sell, there’s a market waiting for you.

While inconvenient, the unusually high cost of building also presents opportunity. On average, land in Bentleigh has dropped by around 10 to 15% in value. And, in some parts of Bentleigh East, by as much as 20% since the start of the year. For buyers not deterred by the cost of construction, it’s an exciting prospect.

Also exciting is the ongoing glow-up of the shopping strips along Patterson Road and Centre Road. History and common sense tell us that when shopping hubs are built up, so too are nearby property prices. Plus, Bentleigh has the three keys to comfortable long-term living: great schools, proximity to transport, and plenty of parks, cafes, and amenities. So watch this space!

Bentleigh is also attracting buyers priced out of Brighton and Hampton. With a train station and the strong pull of leading primary and secondary schools, Bentleigh is ticking all the right boxes for what families want over the next 10 to 20 years.

Ultimately, it’s a fantastic time to move. Bentleigh is a bluechip suburb and, right now, it’s offering prices of anywhere between 10 and 20% off-peak. The brave people – those who buy when others hesitate – also tend to be the smart people. And right now, Bentleigh is where they’re headed.

Carnegie market update

LEOR SAMUEL Director, Carnegie 0413

Despite what the economists and sceptics were predicting, there’s no sign of ‘panic selling’. In fact, many sellers are happy to wait until the market can again support the prices they’re hoping for. And sellers who are adjusting to market conditions are continuing to do well.

down around 20% since this time in 2021. Buyers are still happy to pay market value, though, and homes are still selling at fair market prices.

Despite what the economists and sceptics were predicting, there’s no sign of ‘panic selling’. In fact, many sellers are happy to wait until the market can again support the prices they’re hoping for. And sellers who are adjusting to market conditions are continuing to do well.

A standout result was 22 Kooringa Road, Carnegie: a 1990s single-level home on a sub-divided block, with three bedrooms and two bathrooms. With a mix of owneroccupiers and downsizers attending the auction, five bidders went toe to toe. The house sold for $1,286,000.

A few streets north, 20a Edgewood Street – one of two identical townhouses – sold for $1,510,000. The other half sold back in 2019 for $1,300,000. Close to a $200,000 rise, especially in this market, is an impressive result that bodes well for the Carnegie market at large.

It’s also worth remembering that this time last year Melbourne was in lockdown. Now, people are out and about again. In the day, Carnegie’s shopping strips are thronged with customers. At night, its restaurants are packed with diners. On the weekend, the bars of Koornang Road buzz with vibrancy and vitality.

With increases in both living and construction costs, brand-new property is more expensive than ever. That means established real estate continues to be an alluring, affordable and attractive investment for home buyers.

We’re also continuing to see a strong demand for good quality homes: particularly those in prime locations, that are ready to seamlessly move into.

Prices have settled from the peaks we were seeing last October. And so have listings, with stock level volume

There’s been a buzz about our Carnegie office, too. Returning to normalcy, we’re stronger than ever. We’ve learnt, we’ve adapted. And we’ve grown, with both our sales and rental teams taking on new staff.

What’s more, we’re hitting ever-increasing heights of performance. Our property management team recently set a new record for lettings – a feat which suggests optimism for Carnegie’s rental market going forward.

As we look forward to a new quarter and year, we’ll continue to evolve our services and processes to go above and beyond for our clients. Bring it on.

St Kilda market update

JEREMY ROSENS Director, St Kilda 0413 837 723

Open homes are seeing more footfall and, as the weather gets hotter, the general sentiment in the market is also warming up.

The future, like the St Kilda sunshine, looks bright – and we can’t wait for more standout sales of the calibre we saw over the last quarter.

Among the highlights? 38a Chapel Street in St Kilda, which sold for $1,360,000. And a beautiful home at 41 Octavia Street, which – following a busy, bustling auction between four determined bidders – went for $1,705,000. A block or two from our office, the gorgeous Victorianlooking home at 19 Odessa Street sold for $2,150,000 in one of our quarter’s most satisfying sales.

What else can we expect as October shuffles into November, and spring gives way to summer? Well, it’s St Kilda – and our beaches never fail to attract their fair share of tourists, revellers, and sun-seekers.

With the sun high in the southeast Melbourne sky, people are in a better mood. What’s more, each new month takes us further away from the COVID-19 pandemic – and brings ever more international visitors through the doors of our cafés, restaurants and nightclubs.

In St Kilda, what we’re now seeing – especially over the last month or so – is that the market has found its level. Open homes are seeing more footfall. And, as the weather gets hotter, the general sentiment in the market is also warming up – as is the market’s prognosis.

This quarter, we expect to see around 10 to 20% more homes for sale – along with higher quality stock. As spring edges into summer, we’re looking forward to a season of higher sell-through and clearance rates.

This is good for the vibe of the area, of course. But it also ensures St Kilda remains an attractive proposition for investors and prospective home buyers. Add this to the current state of the market, and it feels like a very wise time to buy.

My advice? Don’t wait for the market to go into freefall. In four years, chances are we’ll be looking back at this time with a fond gaze. So jump in now – there may not be a better opportunity.

What we’re now seeing

– especially over the last month or so – is that the market has found its level.

Property Management update

Inspection attendance rates have shot up. Lettings have followed. The only metric that’s gone down has been our vacancies! All this is putting upward pressure on rent prices, meaning that properties – particularly those of a higher quality – are providing excellent returns.

upward pressure on rent, meaning that properties –particularly those of a higher quality – are providing excellent returns.

For our part, we’re continuing to pivot and adapt with the market, as we collectively move into a postpandemic state of play. COVID-related uncertainty has lifted, meaning international students are flocking back in, and locals are ready to move again – seeking living opportunities the pandemic put on pause.

With Christmas fast approaching, March will be hot on its heels – and with it, an important deadline for landlords.

By 29 March 2023, your property will need to meet all minimum standards and compliance requirements. That means upgrading your rental’s switchboards, ensuring its heaters are energy-safe, and that its windows are covered – among others. These requirements were mandated in March 2021. So we’re in the final quarter, and it’s no time to drop the ball.

Protecting your investment is paramount. We want to ensure you’re not faced with further financial penalties, so we ask that you continue to take your property manager’s advice in this area. And help us help you, as the sound of that siren draws ever closer.

With the winter blues in the rear-view mirror, spring has arrived – and we’re springing towards the end of the year in buoyant fashion.

In August, our properties spent an average of just 24 days on the market – a significant decrease from the months before. Re-lettings are up from this time last year. And one early September weekend, we saw a whopping 271 attendees across 76 opens, with a 92% attendance rate. It’s an incredible result, one we haven’t seen for a while, and one that suggests a strong summer ahead.

Inspection attendance rates have shot up. Lettings have followed. The only metric that’s gone down has been our vacancies! All this is putting

We remain aware of the severe backlog at VCAT (Victorian Civil and Administrative Tribunal), and empathise with those affected. At the moment, dispute cases are taking months to be heard – even cases from 12 to 24 months ago are still awaiting resolution. We know how difficult and distressing this wait can be. For our part, we’re trying to resolve disputes through Dispute Resolution Victoria – not through VCAT.

Finally, our messages remain the same. For rental providers, keep the focus on presentation, pricing, and position, and your property will be the pick of the pack. (And invest in good photos – they go a long way.) For renters, make sure your application is bulletproof. Speed and accuracy are vital!

Suburbs with the highest rental yield

These suburbs had the highest rental yield over the past quarter. With this data, you can identify where to maximise rental income – and minimise your mortgage repayments.

Houses

Balaclava 2.2%

St Kilda 2.2%

Brighton East 2.1%

Caulfield 2.1% McKinnon 2.1% St Kilda East 2.1% St Kilda West 2.1%

Units

Gardenvale 5.9% St Kilda 3.7% Ripponlea 3.3% St Kilda East 3.3%

Suburbs with the highest median rent Houses

These suburbs had the highest average rent over the past quarter. With this data, you can identify where to get higher rental returns – ideal if your investment strategy is renovating and rental increase.

St Kilda West $975pw

Brighton East $938pw Elwood $898pw

McKinnon $845pw Caulfield North $815pw

Units

Brighton East $663pw Bentleigh East $585pw McKinnon $530pw Bentleigh $478pw Caulfield South $450pw

JENNY CAUGHEY Branch Manager, Property Management

ANTHONY LEE Branch Manager, Property Management

New Projects update

While supply may be dwindling, demand is staying strong. Despite hikes, average interest rates are still at historical lows. People are still transacting, and – particularly among the downsizers and first-time home buyers – demand for new-build property is as insatiable as ever.

Pick up a newspaper, and what seems to dominate the headlines? Interest-rate rises and the construction industry’s ongoing struggles. But buyers are still around. They’re still active. And they’re still in the market for high-quality off-the-plan product.

For our part, we’ll continue to help deliver it – and we couldn’t be more pleased with the projects we’re bringing to Melbourne’s southeast.

Sales for a luxury 44-apartment development – formerly the Godfrey’s store on Hawthorn Road – are already underway. With specialty food and coffee shops downstairs and marvellous modern living spaces above, they won’t be on the market for long.

We’ve also recently launched an exciting luxury townhouse development on Seymour Road, Elsternwick. And we’re set to unveil even more exciting opportunities in early 2023. The projects we still have under development are progressing to schedule – despite the well-documented woes of builders and developers.

One consequence these woes will have, though? A contraction of supply. And, for the next two to three years, we expect to see far fewer new developments

coming to market. Amidst this backdrop, we have confidence in the success of the projects in our pipeline.

While supply may be dwindling, demand is staying strong. Despite hikes, average interest rates are still at historical lows. People are still transacting, and – particularly among the downsizers and first-home buyers – demand for newbuild property is as insatiable as ever.

Townhouses and larger luxury apartments in particular remain highly sought after, as does owner-occupier product. Conversely, the buy-to-let market is thin: with compliance, rental restrictions and land tax limiting some of investment property’s allure for landlords.

It’s nearly summer, of course – which means there’s traditionally less secondary stock on the market. However, we’ll continue to sell our new stock – we don’t close for the holidays! With people having a bit more time to peruse the market, summer is actually one of our busier periods. To sum up, the prevailing mood (regardless of what the media might say) is optimism. The pandemic is winding down. Immigration is picking up. And people are getting on with their lives. For our part, we’ll keep bringing beautiful new projects to our local community. And watching our corner of Melbourne continue its residential revitalisation.

JULIAN

RAFI

LISA

JACOB

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THE LILY Ormond

HIGHLINE Prahran

From humble beginnings working on the family farm to selling Melbourne’s finest homes, Phillip Kingston has come a long way.

After a chance encounter with Gary Peer when they were both just 12, their business is now booming and interwoven into the fabric of south-east Melbourne. From supporting local groups to mentoring the next generation to the iconic coffee van.

But beyond the showman seen at auctions, Phillip works tirelessly to support his team. And our community.

We sat down with Phillip, Gary Peer & Associates Co-founder, to learn more about the man behind the suit. How did he start out? What drives him? And what’s next?

Lessons learned on the land

Phillip’s story begins in the country NSW town of Cootamundra, where he grew up on his parent’s farm, producing wool, lamb and wheat.

“Life on the farm taught me the importance of independence, hard work and supporting your family,” says Phillip.

“I grew up around farmers who got up at five o’clock and didn’t stop until after the sun went down. People in the country truly know what it means to work hard.”

After school each day, young Phillip would return home to help his father run the farm. And when he wasn’t working or at school, he would race around the farm on a motorbike (from the age of six, he adds).

“A lot of who I am now is grounded in my upbringing alongside working-class Australians,” Phillip explains. “It opened my eyes to the experiences of those who lived a tougher life.”

When Gary met Phillip

At the age of 12, Phillip’s parents sent him to Melbourne to make friends and prepare him for boarding school. Phillip took the train and made the eight-hour journey, where a bus was waiting to take him to a summer youth camp.

“I jumped on the bus and there was one seat left. I sat next to this kid, and three hours later we’d become the best of mates. That kid was Gary.”

The pair stayed in touch. In the meantime, Phillip went to boarding school and then on to university – but academic life wasn’t for him. He could do the work, but concentration eluded him.

It wasn’t until later in life that Phillip discovered he had ADHD. Yet the diagnosis was far from a curse. In fact, Phillip credits much of his creativity, energy, spontaneity, and problemsolving to his ADHD – it just made sitting still for too long hard! So Phillip left university and got a job in retail.

“As soon as I started, I knew I was born to sell. I love the ebb and flow, the psychology. And I love connecting with people.”

Before long he was outselling his peers by 10 to one. Phillip had found his calling.

Selling the ultimate product

In their early twenties, Gary, who was already working in real estate, suggested that Phillip would enjoy the work too.

“I decided that if I was going to stay in sales, I had to put my skills to good use. I needed to sell the ultimate product.”

And in an alternate universe, Phillip could be selling aeroplanes. Jumbo jets cost half a billion dollars, after all. So to Phillip, planes were the ultimate product.

That combination has taken the business from strength to strength.

Starting the business so young – at the age of 23 – was an advantage for the pair. Their naivety protected them from worrying about the risks and pitfalls of striking out on their own.

And with no major responsibilities or commitments, they had the freedom to take chances.

“We never really had any fear about failure. We knew we were going to make this work because we didn’t have a Plan B. This was it. Our success was tied to the business’s success.”

Community at the core

“Gary and I have a simple philosophy. If we want to be part of the community we do business in, then we need to give back to that community.”

Phillip, like Gary, comes from modest means in a middle-class family. And working in the community is a constant reminder of the wide range of circumstances families experience.

“Particularly with our property management, we see people who are living with very little. Working in this industry, beyond the glitz and glamour, can be a very humbling experience.

“We find it hard to say no to anybody who comes to us for support. We do it because we deeply believe that charity – and supporting the social fabric on a local level – is important.”

So each year, Phillip and the team donate hundreds of thousands of dollars to community organisations. From sporting clubs and disability groups to local schools and charities.

And beyond financial support, Phillip mentors from within. “We’re constantly bringing young people through our agency – helping them grow personally and professionally.

“When you’ve been in the business this long, it’s such a joy to see people form their careers and build themselves a family and a life.”

It’s all part of his drive to give back.

Values and hard work, grounded on the farm

On the farm, honesty, integrity, and hard work to support his family were the cornerstone of Phillip’s early life. And those values have remained with him, from Cootamundra to Caulfield.

“Gary and I bring those pillars to the business and to all our client interactions. We genuinely want to improve the lives of everyone we work with – and secure them the ultimate outcome.

“Being entrusted with people’s greatest asset is a huge privilege and an incredible responsibility to take on.”

How does Phillip display those values to his clients?

Through the energy and passion he brings to close each sale. And by ensuring that the wider Gary Peer family embraces and embodies those core pillars.

“We employ people with like-minded values. And in turn, most people who join us stay with us. Whether it’s administration, sales or property management, we have one of the lowest staff turnovers in the industry.

“And the community sees that. Many of our people are locals who have been with us for 10, 20 – even 30 years. They’ve had careers where they’ve grown in step with our business. They’ve bought houses and put their children through school.”

When asked about the single secret to his success, Phillip has a simple response: We work harder than everybody else.

“One of our early mentors said: You make a living through your first 40 hours of work each week. But you make a life by all the hours you work on top of those.”

“Our strategy became: Let’s work as hard as we can and success will follow. And we continue to work hard to this day. Gary and I still put in 60 to 80 hours each week.”

Moving the goalposts further away

From humble beginnings, Phillip helped grow Gary Peer & Associates from two people in 1986 to 130 professionals today. And he forged the brand’s enduring reputation as the area’s premier real estate agency.

So, what’s next for Phillip?

“I want to double the size of the business, double the opportunities for our team – and double our impact in the community.

“I don’t feel like I’ve achieved everything yet. To use a football analogy: when I’m kicking goals, then I need to move the goalposts further away.”

Phillip, the farm boy at heart who zipped around on a motorbike, ends the conversation by quoting Formula One driver Mario Andretti:

If everything seems under control… …you’re not going fast enough!

Gary and I remain energised about the future. We’ve got so much more to do – and so much more to give back.

MEET

What’s been happening at Gary Peer?

Celebrating our women –with shoes

A night of food, Prosecco… and free shoes? Yes please!

At Gary Peer, we celebrate the incredible work of our women every day. But once a year, we host the Gary Peer Shoe Night.

By gifting them all a pair of shoes of their choice, we tangibly give back to this invaluable portion of our team.

Following the past few socially distanced years, this August’s event was special. It was so refreshing to have the Wittner store abuzz with chatter and laughter. And the team connecting in person again.

Read more about the event on The Peer Blog.

Our annual 10-Year Club get-together

It’s rare to find 500 years of combined real estate experience at one restaurant table.

But you will once a year, when we bring our 10-Year Club – employees who’ve been with us for 10 or more years – together to wine and dine. This year, we booked out the upper dining room at Moonhouse, Balaclava.

The night began with cocktails. And then came co-founder Phillip Kingston’s personal round-the-table thank yous – and a welcome to the club’s newest members.

Over the years, these 30+ people have given so much to our agency –and deserve every bit of recognition for their unwavering service.

Ready to see your career soar? Come join us!

Browse our open positions (or express your interest) at GaryPeer.com.au.

Our people

Gary Peer

Daniel Micmacher

Allira Skews

Idan Gutman

Amanda Hocking

Phillip Kingston

Aviv Samuel

Brad Graham

Dan Dyason

Jeremy Rosens

Lisa Alberts

Kylie Malmstrom

Noah Briggs

Leor Samuel

Daniel Fisher

Rishi Thaker

Darren Krongold

Joel Ser Maureen Maserow

Sally Zelman

Graeme Callen Brandon Oberklaid

Leon Gouzenfiter

Arlene Joffe

Justin Reed

Julian Millman

Jessica Madi Debbie Morton Natalie Santangelo Rikki Krongold

Jade Larrieu Micaela Kennedy Catherine Flint Jenny Caughey

Michael Jonas

Samantha Lee

Isabella Bracka

Abby Brogden

Saverio Piteri Edward Leibel Nicole Cousins Stephanie McNeil

Olivia Johns Martina

Ticha Edwina Wheatland

Robert Silverman Ned Hellier

Tammy Nadelman

Carolina Ramirez Lucy Morley Nicola Kioulahidis

Lachlan Morley Helen Potter

David Thomson

Anthony Lee

Ben Ajzner

Robert Litinetsky

Dizzy Wang

Tania Crawley

Michy Rosens

Jo Meldrum

Glenn Bricker

Indika Tillakaratne

Jacob Kingston Amanda Adami

Leor Bar Nicole Symeonidis

Kylie Cruthers

Amanda Basile

Rafi Joffe Brittany Kaklikos

Jack Slater Zoe Swinnerton

Mandy Yu

Lachlan Hardiman

Mark Kras

Grace Meadowcroft

Limor Herskovitz

Danijela Krstic

Mark Kirkham

Kellie Finlayson

Millie Penter

Indy Uthpala

Adam Lipszyc

Melissa Cutajar

Nikki Janover Vanessa McGlynn

Yan Wu-Dosen

Angela Skarlatos

Marc Wynn

Robinson Corral

Courtney Mits

Carmella Swinnerton

Benjamin Rothschild

Gemmah Kinniff

Daniel Peer Jamie-Lee Fox

Olivia Sackville Rachel Moshel

Ethan Bevan

Simon Radolnik

Harry Lustig

John Tsui-Po

Stefania Tartiris

Tori Carpentier

Aditya Ignatius

Cynthia King

Matthew Morley

Mairead Gaffney

Kevin Huang

Tim Peppard

Charlotte Hellier

Stephanie Thomson

Kristy Heyneker