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In a ground-breaking strategy aimed at addressing the stark imbalance between the location of Specialist Disability Accommodation (SDA) developments and the actual areas of demand, Aligned Disability Investments has paved a new path with what CEO Arthur Naoumidis calls "hybrid development."

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This innovative approach offers a crucial bridge between enticing investor involvement and tackling the urgent need for disability housing solutions in metropolitan hotspots—areas that simultaneously host a higher population of individuals with disabilities and come with a heftier land price tag.

Under the traditional model, the high costs of land in major cities have driven most SDA development to regional and greenfield locations, despite stronger demand in urban centers. However, aligned Disability Properties' (ADP) Fund's hybrid development model seeks to turn this paradigm on its head. It strikes a balance by splitting the investment between residential real estate and SDA facilities, typically working with a formula of two residential apartments for every one SDA apartment. The residential units are sold to offset the heavy land and construction debts, while the SDA portion remains within the fund, generating a stream of rental income for investors.

"The hybrid model is simple with a natural and attractive exit strategy and a high income return with the security that government benefit payments provide," explains Naoumidis, underscoring the elegance and practicality of this investment strategy.

With the promise of creating a portfolio attractive enough for institutional buyers, the ADP Fund intends to cling to the completed SDA properties. The endgame is to offer this portfolio for sale, dangling the prospect of handsome capital gains in front of potential large-scale investors and maintaining attractive income during the retention period.

Investors worried about liquidity need not fear—the model has thought it through, offering an exit option whenever the ADP Fund parts with an asset. Additionally, investors wield collective power to determine whether the fund gets another term after its initial five years.

But the benefits don't stop there. The ADP Fund is democratizing the sphere of shared SDA housing investment, previously out of reach for smaller investors and Self-Managed Super Funds (SMSFs). Thanks to the collaboration between Aligned Disability Investments and BrickX, these investors can now confidently step into this arena.

Anchored by robust numbers highlighting the investment's potential—4.3 million Australians living with disabilities and projections of service demand scaling up to 741,000 individuals by 2026—the ADP Fund promises not just diversification but a stronghold in the most lucrative rental markets, namely major cities. This focus contrasts boldly with current trends which miss the mark by overlooking the high-density urban centres.

With these powerful metrics, including the pressing need for over 2,500 additional dwellings by 2026 according to NDIS Quarterly reports, investors and financial advisers would be wise to consider the ADP Fund's SDA housing as a key component of a diversified and income-focused portfolio. The message is clear: hybrid development isn't just a savvy financial play; it's a vital answer to an urgent societal requirement.

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• Yes

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In a ground-breaking strategy aimed at addressing the stark imbalance between the location of Specialist Disability Accommodation (SDA) developments and the actual areas of demand, Aligned Disability Investments has paved a new path with what CEO Arthur Naoumidis calls "hybrid development."

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The central bank has outlined the “pervasive” impact that policy has on property.

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Reserve Bank (RBA) assistant governor Luci Ellis has reviewed the state of Australia’s property market as the country enters the endemic stage of the COVID-19 virus.

In an address to the Urban Development Institute of Australia on Tuesday, Ms Ellis drew attention to the significant impact policies such as the government’s HomeBuilder grant have had on the market. 

“Whether it's time-limited subsidies bunching demand and boosting prices, or the interplay between low yields globally and rental yields locally, policy can have pervasive effects on housing outcomes,” she said.

Policy is particularly impactful over the short term, Ms Ellis explained, with the boost to demand driven by HomeBuilder and other temporary measures set to dissipate moving forward.

“As interest rates increase, the boost to demand from the current low interest rates will also wane. And the shifts in demand stemming from the pandemic will have worked their way through,” she added.

According to recent data, since the outset of the pandemic, the average household size has fallen and the proportion of Australians living in shared housing has remained low, resulting in increased demand.

“This helps explain why rental vacancy rates quickly returned to low levels even though the international border was closed and population growth declined to be close to zero,” Ms Ellis noted.

“Roughly speaking, the decline in population growth meant that there were up to 200,000 households that didn't arrive in Australia over the past two years, who would have done so if population growth had stayed where it was before the pandemic. But the decline in the average size of households that were already here broadly offset this.”

Shifting preferences and the rise of working from home have translated into an increased desire for more space while the importance of location has somewhat decreased.

“The relative premium paid to be closer to the city centre - both in rents and purchase prices - narrowed during the pandemic,” said Ms Ellis.

“Housing prices increased over the two years to April this year across almost all neighbourhoods in the major cities. However, in general, price increases were stronger in the outer suburbs than in inner-urban regions. The premium for being close to the centre remains, but it is much smaller now and is closer to the premium for being in a middle-ring suburb.”

However, Ms Elllis said that it is currently unclear whether these trends will persist over the longer term.

“The desire for more space further from the office might wane over time as the memories of lockdown start to fade,” she suggested.

“Not everyone who sought a ‘tree change’ in the regions will find that to be the right choice in the long term. More importantly, many of the shifts of population between locations were less a change in people's decisions than a simple interruption of the normal flows.

On the outlook for residential construction, Ms Ellis said that the temporary surge in building approvals for detached homes and renovations linked to HomeBuilder and other time-limited subsidies was expected to begin to fade.

But in the meantime, the construction industry appears to be operating at capacity, according to the RBA.

“Our expectation is that construction of new homes will remain solid for the next couple of years. The housing stock will therefore continue to expand as a result,” Ms Ellis said.

“We expect it will expand at rates similar to the first decade of this century, but not as much as during the boom in apartment building in the second half of the 2010s. This is likely to still be enough to keep the housing stock growing faster than the population.”

Australia is set for another new housing policy following Anthony Albanese’s victory in the federal election. During the pre-election campaign, Labor pitched a Help to Buy scheme in a bid to assist more Aussies into the market. 

However, CoreLogic research director Tim Lawless has warned that the shared-equity scheme is not without its risks.

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With Anthony Albanese sworn in as Australia’s 31st PM, home buyers are excited at the prospect of accessing the new ‘Help to Buy’ scheme, but a property expert has warned that the risks may be greater than the rewards.

" ["fulltext"]=> string(3553) "

Anthony Albanese’s victory in the 2022 federal election has put Australia under a Labor government for the first time in almost a decade and what many young Aussies are now looking forward to is Labor’s promise to make housing more accessible.  

During the election campaign, the Labor government proposed a shared-equity scheme to help alleviate the housing affordability crisis.

Under the scheme, individuals earning up to $90,000, or $120,000 for couples, can access an equity contribution of up to 40 per cent of the purchase price of a new home and up to 30 per cent of the purchase price for an existing home provided they don’t already own a home and have a deposit of 2 per cent.

However, research director at CoreLogic, Tim Lawless, warned that despite the likely popularity of the scheme, it is not without its risks.

Mr Lawless referred to the scheme as a “pragmatic” policy in the context of the escalating issue of housing affordability, noting that it addresses the symptoms rather than dealing with the underlying issues head on.

According to Mr Lawless, there are several associated risks when buying a home on a small deposit that buyers need to be aware of.

“With the housing market probably heading into a downturn over the coming year or years, some buyers may find their home is worth less than the debt held against it,” Mr Lawless said.

“It’s important to know if the government will share in the downside risk if the property is sold while in a negative equity situation.”

In order to exemplify his point, Mr Lawless drew a parallel between Labor’s ‘Help to Buy’ scheme and Western Australia’s KeyStart scheme which resulted in a relatively high number of defaults during the market downturn of 2017 to 2019.

According to the expert, between January 2017 and September 2019, loan accounts in default increased from 0.92 per cent to 1.21 per cent of KeyStart accounts.

However, Mr Lawless does believe that the new scheme will contribute to more equality in rates of home ownership across income cohorts, and could create more opportunities for key workers to live in more central areas.

“Being able to share up to 40 per cent of the purchase price with the government, along with only a small deposit and opportunity to save on lenders mortgage insurance, helps to overcome several of the hurdles of home ownership,” he said.

“Keeping in mind buyers will still have to fund their transactional costs, including stamp duties, legal costs and bank fees.”

The ‘Help to Buy’ scheme kicks off in July. The number of candidates for the scheme is capped at 10,000 spots.

While the scheme will see the government take up to a 40 per cent stake in a home, buyers will be able to ‘top up’ their ownership stake once in a better financial position.

According to Labor, this would mean that for a home buyer in Sydney, buying at the maximum price cap of $950,000 with 40 per cent equity, monthly mortgage repayments would be over $1,600 cheaper.

During the pre-election campaign, the party clarified that home buyers will not be required to pay rent on the stake of the home held by the government. However, many details are yet to be confirmed particularly those pertaining to the eventual sale of the home and the division profits or potential losses.

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With Anthony Albanese sworn in as Australia’s 31st PM, home buyers are excited at the prospect of accessing the new ‘Help to Buy’ scheme, but a property expert has warned that the risks may be greater than the rewards.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(71) "/invest-money/property/labor-s-help-to-buy-scheme-not-without-its-risks" ["image"]=> string(47) "images/article-826x550/high-shot-suburbs-ne.jpg" ["image_alt"]=> string(56) "Labor’s ‘Help to Buy’ scheme not without its risks" } [3]=> object(stdClass)#8052 (57) { ["id"]=> int(18343) ["title"]=> string(75) "Australia's housing market is entering a ‘broad-based correction phase’" ["alias"]=> string(69) "australia-s-housing-market-is-entering-a-broad-based-correction-phase" ["introtext"]=> string(70) "

Westpac believes the housing market downturn is now underway.

" ["fulltext"]=> string(2823) "

An earlier and more aggressive interest rate tightening cycle has brought forward the downturn of Australia’s property market, according to Westpac’s latest housing pulse report.

The bank suggested that the market had entered a “broad-based correction phase” in which the speed and extent of rate tightening will play a key role.

“Current conditions have already turned, sales down sharply from last year's extreme highs, and prices all but stalling nationally. Buyer sentiment is plumbing new cycle lows and house price expectations are being pared back quickly,” Westpac said.

House prices are now expected to have fallen by 2 per cent by the end of this year, ahead of an 8 per cent drop in 2023 and a 1 per cent dip in 2024.

Westpac predicted that the cash rate will peak at 2.25 per cent in May next year and remain at this level throughout the rest of 2023 and into 2024.

The bank noted that the RBA had been forced to move more quickly than expected on interest rates as a result of the recent spike in inflation, with the consumer price index up 5.1 per cent annually during the March quarter.

So far this year, housing market turnover has fallen 23 per cent in comparison to the highs recorded last year while annual price growth is set to dip to 11.8 per cent during May versus over 20 per cent in January.

Westpac said that housing market sentiment had continued to sour with the bank’s measure of ‘time to buy’ reaching a post-GFC low.

“While the weakening is broad–based, the state detail continues to show three distinct groups, separated by the degree to which stretched affordability has heightened sensitivity to rates,” said Westpac.

“NSW and Victoria are firmly in the 'most sensitive' group, capital cities in both states already seeing prices slip lower. WA and Tasmania are a little less sensitive. Queensland and SA remain more resilient, price growth only just starting to slow and coming from a strong starting point in both.”

The property market boom in NSW is “well and truly over”, Westpac indicated, with a sharp fall in turnover since the start of the year and prices beginning to decline.

Meanwhile, the bank said that the Victorian property market was cooling rapidly with turnover retracing sharply and prices dipping.

In contrast, the market in Queensland has gone “from red hot to hot” with turnover down but still historically high and price gains on track to deliver double digital annual growth.

Westpac noted that South Australia was the only major state where strong gains were still being recorded, with ongoing high turnover and sustained price growth.

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Westpac believes the housing market downturn is now underway.

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With higher interest rates on the horizon, the bank is forecasting larger house price declines than previously expected.

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ANZ has made a major revision to its house price forecasts for 2022 with a fall of 3 per cent now expected on average across the capital cities, down from its previous prediction of an 8 per cent rise.

House prices next year are also expected to decline more than the bank predicted in its earlier forecasts made before the Reserve Bank (RBA) kicked off its rapid tightening cycle, with a drop of 8 per cent rather than 6 per cent now anticipated.

“While the return of immigration, falling unemployment and rising wages will be supportive factors, higher rates will trump the positive fundamentals, and we expect national prices to turn down this year,” commented ANZ senior economists Felicity Emmett and Adelaide Timbrell.

Sydney and Melbourne, which have both suffered a decline in prices so far this year, are expected to be the worst performers by the year’s end.

ANZ has predicted a fall of 7 per cent for Sydney in 2022 and 8 per cent in 2023 while Melbourne is forecast to experience a fall of 5 per cent this year and 6 per cent next year.

Price growth will persist in Adelaide, Brisbane and Perth, according to the bank’s outlook, which have been among the strongest performers so far this year.

However, 2023 is then expected to bring significant falls of 13 per cent for Adelaide, 9 per cent for Brisbane and 7 per cent for Perth.

“Rising fixed mortgage rates, macroprudential tightening, elevated supply and affordability constraints were weighing on the market before the cash rate began to rise earlier this month. Auction clearance rates are trending lower and are likely to continue to do so,” said Ms Emmett and Ms Timbrell.

“Housing finance for both investors and owner-occupiers is high, but growth has slowed sharply. Sentiment about house prices has also turned lower. Working in the other direction, rising immigration, a tight rental market, cashed-up households and falling unemployment will be supportive.”

ANZ’s forecasts put the cash rate at 2.35 per cent by mid-2023, which the bank said would push variable mortgage rates to around 4.75 per cent.

“This will significantly reduce borrowing capacity, which will flow through to lower prices. We think that reduced borrowing capacity will be the key driver of lower prices and see only a very small risk of forced selling,” the ANZ economists said.

But the bank said it was confident that households would be able to cope with the impacts of looming higher interest rates.

“Undoubtedly some will struggle with higher repayments, but on average households are well ahead on their mortgage repayments, have large savings buffers and a promising outlook for both jobs and incomes,” Ms Emmett and Ms Timbrell said.

“After a peak-to-trough rise in house prices of 25 per cent since late 2020, our forecast decline of 11 per cent will still put prices well above pre-pandemic levels. Falling house prices will weigh on consumer spending through the wealth effect, but high savings will provide a solid buffer.”

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With higher interest rates on the horizon, the bank is forecasting larger house price declines than previously expected.

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A new survey has suggested that investor attention is shifting away from Australia’s two largest capital cities.

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Perth has been rated as the most popular capital city property market, according to a survey of property investors planning to buy within the next year.

The national survey from Perth-based property advisory Momentum Wealth found that 40 per cent of investors preferred the West Australian capital, beating out Brisbane which was seen as the preferred market by 32 per cent of investors.

“With a large response from WA-based investors, we expected some homegrown preference in our survey results,” explained Momentum Wealth MD and founder Damian Collins.

“However, our findings confirm that Australia-wide, investor confidence in Sydney and Melbourne is experiencing a decline, while Perth and Brisbane are gaining traction as preferred investment markets.”

Only 11 per cent of investors chose Sydney as their preferred market, while just 7 per cent said that Melbourne was the best location to invest.

The other capital cities ranked even lower, including Adelaide (5 per cent), Hobart (3 per cent), Darwin (1 per cent) and Canberra (1 per cent).

Those investors who favoured Brisbane cited the city’s affordability (35 per cent), its place in the housing cycle (29 per cent) and being named as the host of the 2032 Olympic Games (22 per cent) as the top reasons.

Meanwhile, those who chose Perth pointed to the value of the city’s property market (43 per cent) and its position in the housing cycle (21 per cent).

“Perth in particular offers investors considerable value for money,” said Mr Collins.

“The latest Housing Affordability Report by the Real Estate Institute of Australia confirms that in the December quarter of 2021, 26.2 per cent of household income was needed to service a home loan in WA, compared to 37.3 per cent in Victoria and 46.5 per cent in NSW.”

CoreLogic’s latest Home Value Index revealed that house prices in Perth moved 1.1 per cent higher during April despite declines in Sydney, Melbourne and Hobart.

Dwelling values in the capital reached a new record high according to the firm, after surpassing the previous record set in mid-2014 by 0.9 per cent.

Mr Collins predicted that growth in Perth would continue this year thanks to strong economic conditions, the continued tightening of stock on the market and an expected rise in demand.

“While stock levels remain well below long-term averages, the return of interstate and overseas migration into Perth will also underpin a significant uptick in demand for housing, so there is plenty of upside for investors who get into the market now,” he added.

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A new survey has suggested that investor attention is shifting away from Australia’s two largest capital cities.

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NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#8653 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8235 (3) { ["data":protected]=> object(stdClass)#8225 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8228 (3) { ["data":protected]=> object(stdClass)#8233 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#8651 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8232 (3) { ["data":protected]=> object(stdClass)#8230 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8231 (3) { ["data":protected]=> object(stdClass)#8267 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#8650 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) 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string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#8557 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8272 (3) { ["data":protected]=> object(stdClass)#8280 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" 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"Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#8648 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8279 (3) { ["data":protected]=> object(stdClass)#8284 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8281 (3) { ["data":protected]=> object(stdClass)#8286 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(85) "/invest-money/property/which-capital-cities-are-most-attractive-to-property-investors" ["image"]=> string(47) "images/article-826x550/Perth-aerial-2019-ne.jpg" ["image_alt"]=> string(5) "Perth" } }