Craig

Yeah, it's interesting because when you first came in working for yourself, that, as you say, the rate was so low, you kicked off a business and you probably thought, gee, how is this going to go?

Now, suddenly the mortgage spike is going up and up and up.

Was there a point where you thought, am I in the right business here?

Yeah, and let's just have a look at Victoria's gains tax debate, which is intensifying because a report released criticises Victoria's gains tax for constraining housing development and economic growth, arguing that appealing it could unlock thousands of new homes, jobs and private investment annually, and it qualifies a potential outcome delivering over 3,000 new homes annually by 2030.

Critics say that the tax disproportionately impacts first home buyers and regional families amid ongoing supply challenges, to which there are many.

We are talking to Stephanie and she is in Melbourne this morning.

When we come back, we're going to talk about this fully assessed pre-approval.

You know, when it comes to heading off to auctions,

Are you fully assessed?

We'll talk about that after this.

Right, let's right now take you to the Gold Coast and catch up with Victoria.

And that is so true, isn't it?

Just trying to

cut out all of the rubbish that we tend to buy.

You see a lot of the young folk on the Gold Coast, they're driving the flashy cars, the girls have got the jewellery, so you can see the money is being spent.

And it is a real estate Thursday.

Get today out of the way and tomorrow and we're back into another weekend.

We are talking to Stephanie this morning who is in Melbourne.

She's a mortgage broker and

Yeah, I want to get on to this one, Stephanie.