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Overvalued or Undervalued 2023
Following our "overvalued/undervalued" whitepaper a year ago, let's find out how the relative affordability of each city/region has changed over the past year.
What You Could Learn
A clearer view of the market.
- Which cities’ house prices have exceeded the locals’ home loan serviceability and which cities' haven't?
- Which cities are showing resilience against the seemingly national property downturn?
- How is each city/region market pressure and growth prospect at the dawn of 2023?
Inside the report
30 pages of data-backed analysis. Zero fillers.
Here’s exactly what’s covered in this edition, so you know whether it’s worth your time before you download.
Choose a preview below or open the cover.
Affordability Methodology
How we assess relative affordability — mortgage serviceability vs. local incomes across multiple interest rate scenarios.
Capital City Affordability
Which capital city house markets have exceeded — or remain within — local borrowers' serviceability thresholds.
Regional Market Affordability
Affordability analysis of the 25 most populated regional cities — where relative value still exists.
Market Pressure & Outlook
Combining affordability with market pressure to identify which markets are well-positioned for growth.
A closer look
A taste of what this report reveals
33 markets
8 capital cities and 25 regional cities' affordability reassessed
8 rate hikes
RBA cash rate rises in a row — fundamentally changing the affordability picture
2nd edition
Updated from our original 2021 analysis with new income and housing data
Both the housing market and financial markets have changed a lot: House prices are more varied in performance across the country, and the RBA cash rate has risen 8 times in a row, leading to surges in home loan interest rates.
Who this is for
Built for investors who want the numbers, not the noise
Every InvestorKit whitepaper is designed to give you a data-backed edge, whether you’re evaluating your first market or repositioning a growing portfolio.
Portfolio scalers (1–5 properties)
Use our research to identify where to deploy equity next — backed by market pressure data, not guesswork.
Property professionals & advisors
Share data-backed market views with your clients. We’re cited by accountants, brokers, and financial planners nationwide.
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