Six straight months of falling home values. Four interest rate rises this year. New rules for negative gearing and capital gains tax. No wonder so many Australians are asking whether the property market is crashing.

In this episode of Unpacking Money, Scott Malcolm and Ara Jansen take a calm, practical look at the housing downturn and what it could mean for you.

We cover:

• What the latest numbers show, city by city

• Why prices are falling, and how much is about interest rates versus the tax changes

• How the negative gearing and capital gains tax changes work, and who is grandfathered

• Crash or correction? What forecasters expect, and how this downturn compares with previous ones

• What it means if you're a first home buyer, an owner who isn't selling, an upgrader, an investor or a renter

• Simple steps to protect your cash flow, including buffers and stress-testing your mortgage

A home is more than a number on a chart. This episode is about making calm, informed decisions in a noisy market, based on your own plans rather than the headlines.

Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!

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