Mal Cayley Property Expert

03/11/2025

Exactly …

As the RBA prepares to announce its next cash rate decision tomorrow, we want to question the measures guiding those decisions.

The RBA continues to calibrate monetary policy against data that no longer reflects the real structure of our economy. Energy and housing costs aren’t being driven by excess demand - they’re being driven by systemic undersupply.

⚡️ Energy: A shift toward renewables without replacement capacity has left the market short.
🏠 Housing: Constrained credit, restrictive planning, and insufficient delivery have done the same.

Holding or lifting rates in response to these “price pressures” mistakes cause for effect. These aren’t signs of overheating - they’re symptoms of policy-induced scarcity.

You can’t fix a supply problem by suppressing demand. And yet, that’s exactly what we’re doing.

It’s time to stop measuring the economy by outdated levers - and start confronting the structural failures beneath it.

05/07/2024

Get the raw and real information you need to understand one of the most exciting, challenged, and interesting housing markets in Australia. With the Sunshine Coast in the early stages of the ‘once in history’ city making cycle, there is much to learn, do and respond to. This is your chance to be empowered to know how.

This is NOT a presentation. This is discussion with the leading authority on the Sunshine Coast Property Market and YOUR chance to ask the questions you need answered.

Whether you want to know how to help the massive housing crisis we face, how to make informed property decisions with confidence or to take advantage of the unprecedented opportunity of the Sunshine Coast property market, this cannot be missed.

Why Attend?

➡️ Exclusive Insights: Get the latest data and reports straight from the source and an exclusive deep dive into the Sunshine Coast Property Market Update from Optiwise Property Group

➡️ Special Guests: Meet Sunshine Coast’s beloved radio personality, Jade Harrison, and property expert, Mal Cayley, Director of Optiwise Property Group

➡️ Industry Expertise: Network and learn key insights with representatives from our esteemed sponsors—Rock Property, Ausmar, FTA Accountants, Broker Co and Optiwise Wealth Advisory

Don’t miss this chance to stay ahead in the property game. Register now with the link below and secure your seat at Hot Property - Live & Uncut!

https://www.eventbrite.com.au/e/hot-property-live-uncut-tickets-936097321287?aff=oddtdtcreator

15/04/2024

I recently spoke with Channel 7 about the housing crisis explaining that if we don’t fix the crisis, we can all expect ‘tent villages’ to become more and more prevalent and even an accepted form of accommodation by the time the Olympics are hosted in SEQ:

29/03/2024

Optiwise Property Group ... Optimisation through practised wisdom. Building off the 20 year history of Investor Property and all the insights, experience and relationships built over this time has given rise to Optiwise Property Group and I'm really excited about what my team and I can do for clients in investment, development, wealth creation and education moving forward. There's lots more to come so watch this space but please check out www.optiwise.com.au for more!

24/12/2023

As 2023 draws to an end I want to wish you and your family a very Merry Christmas and a prosperous new year.

I'm really looking forward to what 2024 is going to bring ... from new project launches to interesting research and a new educational video piece that I honestly can't wait to share.

Take care and have a great holiday period and I look forward to connecting with you again soon.

25/11/2023

What's happened with this first home buyers grant is one of things we expected to see from the government - more bad decisions that will result in an increase in property prices and fail to solve the housing crisis. You can't treat a supply side problem with a demand side solution and yet that's exactly what this grant is trying to do.

We already have an insatiable demand for property, the problem is that we don’t have enough supply. Giving people more money just means that they have more to spend on a finite amount of homes so it further drives up prices but does not, and can not, create more homes. It does not solve the problem.

Not only does this exacerbate the housing crisis, but it’s also another example of smoke and mirrors. While seemingly handing out more cash to "help" first home buyers, the government has also passed legislation that they’ve delayed, which will come into effect next year, which will increase the average build cost by about $30K.

So, first home buyers, you have a very small window in which this increased grant will have any real meaning. Act TODAY, post Christmas may be too late.

21/11/2023

I wanted to take a moment to show you a real Investor Property's client investment strategy to demonstrate to you how we helped them map the path to reach their personal wealth and lifestyle goals.

When I asked this client if we can share their strategy they said:

"Of course you can, all we have is because of you".

This is what we exist for, let us help you review your goals and strategy, book a time to meet with one of our property coaches. Our advice won't cost you a cent but it could change your life forever.

27/10/2023

The government is coming after our super.

Here is the smoking gun where they’re threatening to tax future gains. What does this mean? They want to tax you before you’ve even made any money based solely on your potential earnings.

They are literally taxing thin air.

Hands up who thinks this is a good idea … yeah, I can’t see any hands - Oh wait - there’s the government!

https://www.theaustralian.com.au/business/wealth/coming-soon-a-nowhere-else-in-the-world-tax/news-story/c9f02e1f8ea0c157b9d1ab13abfa92d2?

The Australian

An unprecedented move by the Albanese government to tax paper gains in superannuation is prompting consternation across the sector, where property investors and farmers look likely to be the first targets of the planned move.

16/10/2023

Landlords are the answer to the housing crisis!

We can stop the rioting now. What rioting? The rioting that comes from the social disintegration of this country because we're not delivering enough housing. The inevitable outcome of a failure to make radical change now and the continued decline in supply and increase in homelessness and and housing stress and its social impacts on mental health, domestic violence, abuse and su***de.

What we need is more supply, and more property investors. As a property investor the undersupply at least provides certainty around security, capital growth and rental yield ... for decades.

So to house more families we need more of you to provide more homes. The additional benefits are you help improve your net wealth and you need the government less (or not at all) in your retirement - and we all know government's are getting worse not better in meeting our needs! So the steps are simple:

1. Buy more property

2. Get on the bandwagon to shake the tree of governance to say we are the answer, help us help you!

Government supplied housing will never be enough to house the number of renters, in fact, they only help about 10% of renters, so the other 90% or 7.5 million renters rely on private landlords, mums and dads who are taking a chance on funding their retirement rather than relying on the government. Social housing and ‘build-to-rent’ are fringe schemes to help overcome the massive neglect by all levels of government for the last 30 years but are not the solution for the broad crisis. We need increased supply in all property types which has to come from developers and investors.

If the money the government is putting into creating the next 35,000 social housing instead went into incentivising property investors and supporting them we could create 350,000 homes!

The current government response equates to cowardice, it's time to take courage. Seems like a big term, but that's what it is when you shirk from your responsibilities. That's what it is when you deny the facts, when you refuse to learn. Why? Because you might have to do something, to change something and that feels hard. It's not hard, it's right. It's not hard when the outcomes of the alternate are far more devastating than the cost or consequence of doing what is right. We need RADICAL action, not increased degrees of what has been done in the past, and we need it now. Property investors, Australia needs you.

14/10/2023

The Noosa council is genuinely not interested in solving the ongoing housing crisis, they're interested in making headlines. If they were interested they would be doing something practical.

Can something be done? YES!

Can it be done under the current committee? Probably not.

We need radical turn around which requires radical solutions, and this was nothing more than a missed opportunity.

The Noosa council is just another council failing their community in a real way.