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Lyndsey Douglas

Director | Writers Who

Location icon Australia

I'm Lyndsey, a professional writer for over a decade. My early days were spent as a cadet journalist reporting solo for a weekly rural newspaper, ten years later I was filing dollar-sensitive ASX announcements for not one, not two but three listed entities... at once.

In between I’ve produced thousands of press releases, crafted hundreds of topical newsletters, ghostwritten for leading industry figures, composed launch speeches, compiled research reports, scripted video narratives, communicated as corporate spokesperson, formulated website copy, drafted annual reports, and published case studies.

From complex concepts to simple advice; my process involves interviewing, researching, editing or refreshing materials to produce effective and engaging expressions of your business.

I’ve ghost written for multinational CEOs, achieved press in every major media outlet in Australia, and worked on highly sensitive topics.

If you're struggling to find the discipline to get content delivered, or the quality of dialogue required to represent your business, engaging a writer or team of writers with a portfolio of proven prose might be the solution for you.

Let my team get you started.

My business, Writers Who, looks after content, public relations and strategic communications for clients predominantly in funds management, wealth advisory, and property.

Below are examples of my work in key categories:
- CEOs and thought-leaders
- Finance and Business
- Property
- Rural and Agriculture

Portfolio
The Goldman Brothers, Sotheby's
06/05/2020
The influence of Feng Shui on house prices

Whilst we've all heard of the ancient design philosophy of Feng Shui, it has become a popular practice for Asians and non-Asians alike as Chinese influence on cultures worldwide has grown.

Degustation of different writing styles

White & Partners
B2B client email

The future of commercial tenancy: should you attract co-sharing companies or stick with long-term tenants?

David C Gray website
Landing page

Rewriting landing page for property identity to showcase businesses, developments, property assets and career timeline.

Ray White Rural and Livestock
04/09/2018
Press release

Announcement detailing sale of three Twynam Agricultural farm holdings for $115million to foreign buyer.

Linkedin
Blog

"It's time for an intelligent debate" by Matt Lawler, CEO, Wealth Market. Blog discusses legislative changes that pose a risks to financial professionals.

Loan Market
11/04/2019
B2C client email

Even the Government is suggesting you refinance this month, but why? For Australians with a home loan, you're dealing with two major factors that you should know about right now.

ASX: YBR
2016
Annual Report

Conveying information on the activities and financial state of a company for shareholders and the market, capturing the annual updates from all company divisions.

CEOs and thought-leaders

Linkedin - Michael Finger mentor and coach
Never waste a crisis

Let me tell you about the time I was exited..

Linkedin - Michael Finger mentor and coach
What we're not teaching young entrepreneurs

Recently I met up with a young lady I have been mentoring for some 7 years, since the age of 15. She's now 22 and completing her commerce degree.

Linkedin - Michael Finger mentor and coach
Doing deals in a pandemic

This week I was put in a very unique situation where coronavirus forced me to make a really tough call. I had an auction set for Thursday this week, and I was approached by James Keenan, our auctioneer at Ray White Double Bay who said, "What do you want to do?"

Linkedin - Michael Finger mentor and coach
The art of authority in a market with less activity

Any agent who has been in the game several decades, and is still thriving, will tell you that one of the upsides of experience is the loss of desperation. It's a bit like golf.

Linkedin - Michael Finger mentor and coach
Managing a business in changing times

I personally always see a cup half full scenario. Those who have seen stressful times in the market in the past are proactive in doing their health checks on their businesses regularly.

Linkedin - Michael Finger mentor and coach
Fair weather agents and the reality of sacrifice

There are agents who are in it for the wrong reasons. The litmus test for me is seeing how committed are they when things aren't as easy as they once were.

Linkedin - Michael Finger mentor and coach
Why the US Open reminds me of today's real estate careers

I reflected the other day, watching the tennis, on players of yesteryear like Neale Fraser who at the top of their game where probably making $5,000. Fast forward to today and you see guys like Federer making $150 million or $200 million.

Linkedin - Michael Finger mentor and coach
Office rhythm, is yours off beat?

I think the word 'culture' is overused in business. For me, it's more about the rhythm of the business.

Linkedin - Michael Finger mentor and coach
My foot in the door to a real estate career...

Yesterday I finished running a one-on-one training session with one of the boys in the team here at Ray White Double Bay over breakfast, which I do pretty much every Tuesday.

Linkedin - Michael Finger mentor and coach
Remembering first jobs in real estate

I started off in a real estate agency licking stamps and taking rents at the front desk of a place in Petersham in Sydney's inner west.

Linkedin - Matt Lawler CEO Wealth Market
Never waste a crisis

Following the restructure (read: shut down) of BT Financial Advice, several hundred people will be in the market looking for roles. This is the first of a number of mass exits we'll see over the next 12 months in the wealth sector.

Property

White & Partners
Case study: Chifley Hotel

White & Partners capitalised on an opportunity to partner with a local Newcastle developer to acquire a mixed use, serviced apartment site in Newcastle's Honeysuckle Precinct, opposite the Harbour Foreshore. The proposed project included the development of 995sqm of retail accommodation, 71 serviced apartments and 10 residential apartments.

White & Partners
Case study: Wirrabara Village

This project appealed to White & Partners for a number of reasons: the location, the alternative uses planned for the property, and the substantial margin of safety in development potential.

White & Partners
Case study: Toowong Central

White & Partners has a long track record of acquiring assets in Toowong, achieving returns in excess of 18% p.a. through those projects. Over this time, a positive working relationship with development partner State Development Corporation has been established. This property near the Brisbane River was attractive due to its size, value, location, and yield improvement potential.

White & Partners
Case study: 601 Coronation Drive

Brisbane was experiencing increased office construction activity, and White & Partners identified an opportunity in the fringe Brisbane office market. The 2,654sqm commercial site in Toowong was purchased for $5.5 million in a joint venture with the State Development Corporation.

White & Partners
Case study: Currambine Central

White & Partners capitalised on an opportunity in Currambine Central to transform an under managed shopping centre 35mins outside of Perth CBD by implementing new management and creating a point of difference with a focus on lifestyle, entertainment and fresh food.

White & Partners
Case study: Industrial Estate

A preferred equity facility was provided to a developer to repay an existing first mortgage loan and part fund the construction of 46 industrial units varying in size from 90 to 1,566sqm and 112 car spaces as part of the industrial precinct at Bluestone Industrial Estate in Quarry West.

White & Partners
Case study: The Northern Road

White & Partners loaned a convertible land facility to a developer to settle the purchase of a significant land holding in the south west Sydney growth area, over 80 hectares on The Northern Road, Cobbitty. The development is approved to be subdivided into six super lots.

White & Partners
Case study: Noosaville

A cyclical downturn in the Queensland property market caused by the Global Financial Crisis presented an opportunity for land to be acquired at attractive prices. Through a joint venture with our partners, State Development Corporation, White & Partners acquired a 2.73ha site in Noosa for $1.5 million, representing an attractive price of $55/sqm.

White & Partners
Case study: Engadine Tavern

White & Partners acquired the three-asset site following a successful residential project comprising 89 apartments in nearby Jannali (previously known as the Jannali Inn). This purchase presented a number of key opportunities for investors, particularly the upside in the ability to trade the tavern whilst undertaking development of the carpark into residential apartments.

White & Partners
Case study: Compass Centre

The loan facility for this older shopping centre and office building was structured as a typical first mortgage bank facility on a conservative loan-to-value ratio. Low leverage made Compass Centre an appealing loan candidate for White & Partners.

White & Partners
Case study: Union Place

White & Partners recognised an opportunity in the Jannali Hotel to transform an underutilised land holding of 4,249sqm into a mixed use development consisting of residential apartments and a ground floor tavern.

White & Partners
Case study: Peakhurst Inn

As experienced pub owners, White & Partners has relevant expertise associated with the hotel and pubs asset class that many other lenders do not. Where banks are adverse to the trade up risk, for instance, White & Partners can tolerate.

White & Partners
Case study: Cross St

A loan for a Chinese Australian developer was provided for a property on Cross Street in the high end Sydney suburb of Double Bay. White & Partners issued the capital to refinance an existing first mortgage. The borrower is pursuing development approval on a two-storey freestanding neighbourhood commercial complex which has a combination of 21 tenants across 1200sqm of lettable area.

White & Partners
Case study: Duke Apartments

Construction risk was considerably lower than a typical development financing for the Duke Apartment project in Brisbane's coveted Kangaroo Point as the project was well advanced, with the level 14 slab completed and fitout of the building well underway at the point of settlement.

White & Partners
Case study: The Place Ashfield

Location was key to the decision to lend for this project which comprised land and construction funding for 91 residential dwellings, 7 retail lots and 3 levels of basement parking. The Chinese Australian developer had 14 years' experience with developments in China but was unfamiliar with Australian financial regulations, council processes, and property development practices outside of China.

Otto Cremorne website
OTTO Cremorne

Outdoor spaces are in abundance for Otto residents thanks to proximity to Wendy's Secret Garden at Lavender Bay, Balmoral Park and Obelisk Beach at Mosman, Sawmiller Reserve at McMahons Point, Maccallum Pool at Cremorne, and nearby Primrose Park.

White & Partners
Case study: North Bondi

The Reina Street loan afforded the construction of a luxury duplex in a highly-sought Sydney beachside suburb, representing a rare new product in a market with limited supply. The project ran over term forcing the sale of apartments during a property market lull created by policy ambiguity in the campaign periods for concurrent Federal and NSW State elections.

White & Partners
Case study: Padstow Park Hotel

White & Partners was attracted to the potential in the Padstow Park Hotel asset to realise income growth by refurbishing the facilities whilst concurrently transforming an under-utilised land holding of 1,200sqm into a residential development.

White & Partners
Case study: Botanic

White & Partners capitalised on higher density rezoning in Lane Cove and secured an option over four properties totalling 4,402sqm for $15 million, or $190,000 per proposed apartment. Whilst the rezoning created more supply, White & Partners recognised that the site benefited from being close to the Lane Cove Village and public transport (via which a bus ride to the Sydney CBD takes 10 minutes).

White & Partners
Case study: West End

White & Partners successfully acquired 56 high quality residential apartments from an internationally renown developer. The residual apartments formed part of the initial stage of a multi-staged master planned mixed use development known as "West Village". Future stages will include commercial, retail and community amenity.

White & Partners
Opportunity broadens for non-banks

Non-bank lenders are diversifying beyond their core developer customers to accommodate additional and alternate borrowers in industries such as pubs and self-storage. Borrower demand in these sectors is higher than the availability of conventional finance, and the demand also outweighs the willingness of banks to lend in today's credit environment.

White & Partners
What happens when a flood of new apartments hits a credit crunch?

In the last financial year, 98,000 apartments were completed across the country with 65,000 in NSW alone. Many projects are coming to fruition in the nation's largest city this year. The question is: will Sydney's off-the-plan market suffer a similar fate to Brisbane?

White & Partners
Case study: Glenwood

The onset of the GFC made it implausible for developers to offer house and land packages separately, as lending to home buyers and demand for vacant land both reduced significantly. The GFC also caused an abundant land supply, but this site benefited from proximity to the M7 motorway, Norwest Business Park, schools and the main Glenwood shopping village.

White & Partners
Investor appetite for Brisbane returns

If you wound the clock back 18 months, even as little as a year ago, there was much investor scepticism on the merits of Brisbane. Is that still the case today? As we purchased a major asset in suburban Brisbane this year, we wondered if our investor clients would join us on the journey.

White & Partners
Are minimum terms redundant?

In the non-bank lending space, it's commonplace in the negotiation of loan contract terms for the borrower to focus first on negotiating down the interest rate, and then on negotiating down the length of the minimum term.

White & Partners
A tale of two cities: How big is the off-the-plan settlement risk in Sydney?

In the last edition of 3 Observations, we pondered whether the Sydney new apartment market would parallel Brisbane's and promised to bring you insights from our own exposure to this market. Looking at our five largest residential apartment projects in Sydney, our initial observation is that risk is location specific and not correlative across the city.

White & Partners
2019
Reflection on the residential real estate market in Q1

The headlines tell a calamitous story. "Australia's $133 billion property price slide rapidly becoming the worst in modern history," the ABC wrote. "Aussie property prices endure 17th straight month of falls," Nine reported. "...Auction clearance rates remain depressed," The Australian printed recently.

CommercialRealEstate.com.au
Industrial & Warehouse Property For Sale

Colliers International & LJ Hooker are pleased to bring to market 48 Waratah Street Kirrawee. A limited selection of astutely designed showrooms, warehouses and storage units. The development offers the opportunity to acquire a premium showroom or warehouse unit in the thriving Sutherland Shire region as an owner occupier or ideal high performing investment.

White & Partners
Case study: Tennyson Hotel

White & Partners acquired an operating business with a view to realise income growth through implementing operational efficiencies, and refurbishing in order to sell. By securing development approval to refurbish the facilities and putting in place a hotel partner to actively manage business income growth, the asset sold at an increased price of 48% in 18 months.

Domain
The Park by MPG Apartments

View all new development properties for sale at The Park by MPG Apartments located at 5-11 Wyuna Street, Beverley Park, NSW 2217. Award Winning Architect, Accomplished Developer/Builder, Rooftop Courtyard with BBQ.

Finance and Business

Cashwerkz
12/03/2019
Open banking is closing in

Open banking was forced upon the nine biggest banks in the UK with the promise of increased transparency and competition for customers over a year ago. In the US, it has occurred more organically through fintechs screen scraping data.

Loan Market
07/30/2019
5 reasons buyers are in the driver's seat this winter

Winter traditionally brings with it a lull in the property market, yet this Winter is like no other. What's in it for you if have plans to buy? They say property cycles are seasonal in Australia: in Winter we hibernate (owners don't look to sell and buyers are less active), then in Spring bidders 'bloom' (excuse the pun) and homes pop up for sale in colourful abundance.

Loan Market
11/19/2019
What on earth is happening with the property market this month?

​I think the ABC said it best earlier this month: "The speed at which the housing market has bounced back has stunned many observers." While Perth and Darwin haven't kept pace, the real estate markets that we most closely monitor have sprung back to life as though a defibrillator has shocked them into action.

Loan Market
07/23/2019
A new financial year presents a whole new world for borrowers

​It feels like everyone's champing at the bit to see change in the sluggish property and lending sectors in Australia. The central bank consecutively cut cash rates to new lows, banks have quickly responded, the regulator has relaxed the serviceability floor for borrowers, non-bank lenders are back with a vengeance, and we're seeing more first home buyers bidding than at any other period in the last seven years.

Loan Market
08/27/2019
What do mortgage brokers and gardeners have in common?

​If you're a green thumb: you know one plant species from the next, you have a sense of landscaping styles, as well as the skill, equipment and time, then you don't necessarily need a gardener.

Yellow Brick Road
Benefits of using financial planning

Most Australians who seek financial advice are still only doing so in their fifties as they prepare for retirement, Yellow Brick Road's financial planning survey revealed. In a national survey of 1,000 people, only 22% of respondents said they have used a financial adviser and many of those were 55 years of age and over (40%).

Yellow Brick Road
Understanding the Australian economy

It helps to understand the various signals that experts look for when making decisions that will ultimately affect your pocket book. For most households key indicators that affect your daily life the most are interest rates, inflation and unemployment. By staying abreast on the economic signals, it can assist you in making wise financial decisions and not get caught out.

Cashwerkz
04/12/2019
Winners and losers in the Federal Budget

The Federal Budget, handed down this month, is largely a campaign manifesto: no big announcements and more a gentle reminder to voters of the Government's economic management credentials.

Loan Market
08/27/2019
Market begins recovery, but borrowers are being caught unawares.

"We're very confident the housing market has bottomed," proclaimed Australia's largest property developer last week. But loans are unwittingly becoming a barrier to entry. Make sure your spring buyer clients are prepared sooner rather than later. Across the country, the consensus is that the market appears to be regaining momentum.

Loan Market
07/30/2019
Warning for first time buyers! Don't bid until you've done these three things

If you're buying your first home or helping a family member enter the property market, make sure you're 'bid ready' by doing the following before raising a bidder paddle or making an offer. Three things every aspiring first home buyer needs to do before entering the property market. 1.

Loan Market
09/02/2019
Selling this Spring? You only have eight minutes to make an impression.

​A recent study has revealed that it takes only eight minutes on average for home hunters to decide whether or not to buy a particular property. That's swift! Even more-so if you consider that buying a home is the single biggest purchase a person will make in their lifetime.

homeLoanHQ
Common oversights of rookie home owners - homeLoanHQ

In our parents and grandparents day, travelling was a pursuit for the very fortunate. If you wanted to fly to Europe in 1981, you would have forked out nearly $7000 in today's money; during that same time a 20 per cent deposit for a home in Melbourne would have been about $34k.

Yellow Brick Road
Trump presidency & your investments

Remember, selling in response to sudden falls in markets merely locks in a loss. The noise generated through media outlets will make adherence to long term investment strategies difficult, we understand this. So, stay strong and keep your eyes peeled (alongside your financial advisor or wealth manager) as often such scenarios throw up the opportunities.

Yellow Brick Road
Appointment of new GM - Lending

Andrew Rasby will be responsible for the productivity and lending support provided to the network of 160-plus franchises that make up the Yellow Brick Road distribution network across Australia. Yellow Brick Road's executive chairman Mark Bouris says the dedicated role supports the company's FY17 focus on enhancing the productivity and profitability of the young network.

Loan Market
09/24/2019
When is cheaper not necessarily better?

​With all the hype around record low interest rates it's easy to get tunnel vision and focus only on the lowest number when choosing a home loan provider, however finding the right loan is about much more than just the best rate.

Cashwerkz
04/11/2019
Term deposits on Hayne's terms

The findings of the Hayne Royal Commission into the financial services sector have consumers placing their relationship with advisers under a microscope. Is this product genuinely the best for my circumstances? Do I fully understand the ins-and-outs of it?

Yellow Brick Road
Yellow Brick Road tackles 'too old to retire' issues

The analysis released by the Australian Bureau of Statistics (ABS) showed the number of over-45s who say they will not retire before turning 70 has dramatically increased, from eight per cent to 23 per cent in the past decade.

Loan Market
09/24/2019
Could a rate cut in October coincide with a turn in the market?

​Historically, one of the best barometers for the health of the property market is auction data... So, I asked my colleagues at Australia's largest real estate company - Ray White - to share their nationwide auction stats looking back at the year that has been.

Loan Market
09/02/2019
Shares, cash, real estate and record low interest rates.

Low interest rates represent benefits in some investment categories, and hurdles in others. So how do you make low rates work for you? Understanding what avenues are available to invest in, in today's environment is a topic I constantly discuss with clients and finance industry peers.

homeLoanHQ
10 steps to owning your first home - homeLoanHQ

10 steps to owning your first home Find the right home loan Request a call back 1. Know your limits ~Absolutely do not start falling in love with homes online ... Continue reading "10 steps to owning your first home"

Yellow Brick Road
CEO - Lending steps down

Executive chairman Mark Bouris said the role will not be replaced and the two existing roles of general manager for the Yellow Brick Road and Vow Financial networks respectively will become more responsible for growing and driving productivity in the lending division.

Yellow Brick Road
Appointment General Manager - Lending (Vow Financial)

Executive Chairman Mark Bouris says the new General Manager - Lending (Vow Financial) will be responsible for productivity and lending support provided to a network of 1000-plus brokers that make up the Vow Financial network across Australia.

Yellow Brick Road
YBR acquires online investment company

YBR has acquired brightday a web-based B2C investment business This acquisition is the next step in the delivery of YBR's stated digital plans, following the release of Guru in FY15 and My YBR Account in FY16 brightday and YBR's wealth products both utilise the OneVue investment platform YBR's direct investment offer set for launch to consumers in FY17 The addition of brightday is the latest in a series of acquisitions for the growth stock.

Loan Market
11/30/2019
BID is my BAU!

This month the Government is knee-deep in a bill that absolutely affects your business and mine, and certainly affects our clients. It's the bill being debated on the back of a number of recommendations from the productivity commission's report into Competition in the Australian Financial System.

Loan Market
11/19/2019
What on earth is happening with the property market this month?

​I think the ABC said it best earlier this month: "The speed at which the housing market has bounced back has stunned many observers." While Perth and Darwin haven't kept pace, the real estate markets that we most closely monitor have sprung back to life as though a defibrillator has shocked them into action.

homeLoanHQ
I want to save money - homeLoanHQ

It is your prerogative to get the best rate with low repayments. We'll take a look at your current loan, compare it to alternatives, and give you a recommendation weighing up any processing or exit fees that might be involved. This may leave you with more cash to pay down your mortgage faster or to do whatever else you love.

Loan Market
11/25/2019
Have your aspiring first home buyer clients missed the boat

Australia's property market has had four consecutive months of growth, after a worrying period of declines. This recovery has taken many by surprise, not least of which the long-suffering aspiring first home buyer who thought they finally had a way in. Is it too late for them?

Loan Market
12/16/2019
The best thing to do while the property market naps..

​Like most of us after a hefty ham and prawn feast on Christmas day, the property market tends to enjoy a nap during the festive season. That is to say that agent and seller activity goes a bit quiet during December and into January.

Loan Market
11/25/2019
​Are your clients writing New Year resolutions with you?

If your clients are anything like mine, they get a spark of inspiration regarding their financial goals at the beginning of each calendar year. It must be spawned by the New Year's Eve fireworks. People reflect on the year that was and commit to making the coming year even better.

Loan Market
12/02/2019
Don't dig yourself a Christmas debt

I read recently that the average gift spend at Christmas time is over $500. Then I researched the food bill per person (and let's be honest, the host get stuck with the lion's share of costs) and it's $122 for food and $131 for drinks.

Loan Market
02/17/2020
Is your cash making you poorer?

​You know the phrase, "asset rich, cash poor"? It's never been uttered in a more provocative environment. Even if you're generally flush with cash, cash as an investment type is hamstrung these days by the central bank cash rate, meaning you're poorer than you need to be. Let me say it straight.

Loan Market
11/30/2019
Are mixed messages creating uncertainty for your clients?

It's a confusing market for borrowers. Interest rates are down and the media has been positive that by all indications, the property market is recovering, although housing stock is still light on compared to demand - particularly for springtime - which is partially responsible for driving up prices in most capital cities.

Loan Market
01/13/2020
Goal setting vs goal kicking: five ways to win in 2020

It's a new year! So, you're going to be thinking about how you want this year to be an improvement on the last. I have some home truths for you. Some things you need to hear. Half of us in Australia set new year's resolutions, but only 12 per cent of us stick to them.

Loan Market
01/28/2020
Did the new year renew your clients' property ambitions?

What a difference a year makes. When we reflect on housing and lending in 2019 there is a theme of uncertainty. The property market took a downward turn, and financial institutions got hauled before the public to explain a myriad of practices that subsequently caused the regulator to impose stricter rules on investor and interest-only loans.

Loan Market
01/28/2020
Help more clients turn their financial resolutions to reality

​I get an influx of clients with optimism and determination booking appointments at the start of every year. They plan to buy an investment property, or set up their children with their first property, and couples start getting serious about the first home purchase.

Loan Market
02/24/2020
The race to the bottom; banks start zealously cutting rates

In the midst of a terrifying and rough summer for much of Australia, it's odd to reflect on the season that has been for real estate. It's been a while since the temperature of the housing and home loan market has been so pleasant.

Loan Market
02/24/2020
We're starting later, it's costing more - is the property dream unreachable in 2020?

Once upon a time, let's call it the 80s, the average Australian would buy their first home at the age of 24. Here we are, three decades later, and buying property doesn't occur until we're 35. Why is that? Is it thanks to the price of housing in our popular cities, and the militant discipline required to save a gigantic deposit?

Loan Market
03/24/2020
How I can help your clients during this time of uncertainty

Your clients don't need to wear a mask, load up on hand-sanitiser or leave their house to get a home or asset loan approved, or organise refinancing. I can hold discussions via video or phone, collate all their details via an Online Fact Find, and can sign documentation online using E-Sign.

Loan Market
02/28/2020
Is March a buyer's month? To delay or act, that is the question

​I've read plenty over the years about the "best time to sell" for homeowners in Australia, and that got me thinking. When's the best time for buyers? When is the market less competitive on the bidder-front? When are prices likely to be more affordable? And how much does supply of real estate stock play a part?

Yellow Brick Road
Mark Bouris on A Current Affair

Leveraging equity from the family home to buy investment properties. Broadly speaking, there are two ways to look at your mortgage. The first is to see it as a debt, with a negative balance that you're paying off over time.

Yellow Brick Road
New wealth division leader announced

According to executive chairman Mark Bouris, the role will lead Yellow Brick Road's wealth management business with a focus on authorised representative recruitment, increasing the percentage of clients who received wealth advice and building wealth capability (product, service, quality advice). "Adam brings 17 years of financial services experience to the company.

Yellow Brick Road
ASX announcement: Move to franchise structure and consolidation

YBR caps end of build phase with shift to franchise model (branded branches only) Efficiencies captured as acquisitions integrated and development projects finalised Deployment of proprietary customer acquisition technologies to network Wealth business restructured to focus on recruitment and productivity Substantial saving in direct costs as corporate management level removed Advertising costs revised to a lower level of continuity spend; brand equity levels high Wealth management company...

Yellow Brick Road
CEO - Wealth Management resigns

Matt Lawler joined as CEO five years ago and has laid the foundations for the Yellow Brick Road branch network, developing a suite of financial services products and creating a strategic platform for the wealth management business. Executive chairman Mark Bouris said, "Matt has delivered a strategy for the wealth management business and has developed the right talent to take the business forward.

Yellow Brick Road
Appointment of new non-executive director

The Yellow Brick Road Holdings Limited Board is today pleased to announce the appointment of Non-Executive Director, John George. Mr George has more than 20 years' experience in senior management and consulting roles in Australia, New Zealand and USA. He is well versed in the finance, legal, wealth management and insurance sector providing strategic advisory services to small and large organisations.

Yellow Brick Road
Mark Bouris on National Finance Brokers Day

NFBD is owned by all involved within the broker channel as such we endeavour to keep individual company, aggregator or lender promotion to a very minimum level. National Finance Brokers Day (NFBD): Mark tell us why you're supportive of National Finance Brokers Day. Mark Bouris (MB): I think the world has changed over the last ten years.

Yellow Brick Road
Yellow Brick Road passes on full rate cut

This reduction takes the Rate Smasher Home Loan to 3.82% p.a comparison rate, the lowest variable rate Yellow Brick Road has ever offered. It's believed the rate is also the lowest available from any branch based financial institution in Australia. This cut will also deliver consumers a variable rate of 4.0% p.a.

Yellow Brick Road
Acquisition of Loan Avenue

YBR agrees to acquire South Australia-based mortgage manager, securing previously under represented territory. The purchase will increase scale and importance with key lenders, adds a new lender to YBR panel, and adds additional broker distribution via new third party aggregators On the ground product sales team now extended beyond Sydney

Yellow Brick Road
10 worrying facts about women and finance #IWD2016

On international women's day, we bring you ten stats and facts about women and money that you should know. How likely is a women to retire comfortably in Australia today? How many women make up the nation's finance industry?

homeLoanHQ
Selling your home in a buyer's market | homeLoanHQ

What a difference a year makes. After the rapid growth of property prices in Sydney and Melbourne, the housing market cooled considerably in 2018. ~In Sydney, house prices experienced their biggest decline in 30 years, with property values falling 8.9% over the past 12 months.

Yellow Brick Road
Avoid the festive financial hangover in January

In this article: Christmas is supposed to be the time of family, friends and giving but it's also a major financial stress-event in Australian households, according to wealth management company Yellow Brick Road.

homeLoanHQ
Find the best home loan rate for you | homeloanHQ

The mortgage market is extremely competitive. With recent changes to regulations, it's easier than ever to switch lenders.~ If you're not happy with your existing rate, your first port of call should always be to ask your existing lender for a better one. After all, if you don't ask, you don't get.

Yellow Brick Road
Australians are mostly 'Santa-fanatics' at Christmas

In this article: We polled Australians to uncover the most common approaches to Christmas gift giving. The way in which an individual approaches Christmas often correlates with their attitude to their personal wealth.

Rural and agriculture

Agricultural Shows Australia
11/27/2018
1 in 4 Australians do this every year...

By Lyndsey Douglas Every year, six million Australians go to an agricultural show. Whether it's one of the big, spectacular Royals (in Perth, Sydney, Melbourne, Canberra, Adelaide, Brisbane's Ekka or Bathurst in the Central West of New South Wales) or their local show in towns as tiny as Pinnaroo in South Australia or as big as Penrith in Sydney's west, Australians like their shows.

Agricultural Shows Australia
09/13/2018
Seven ways your local agricultural show can cheaply promote itself

By Lyndsey Douglas This article originally appeared on LinkedIn. Over 580 agricultural shows are run annually across Australia. Some have big budgets, big crowds, big ticket entertainment whilst others run on a shoestring and are operated entirely by volunteers.

Australian Financial Review
08/07/2017
Loan Market gives farmers advice on changing lenders

The White family’s Loan Market property brokering business is heading to the bush, setting up a rural loan broking business that hopes to break the “blind trust” of farmers with their banks. Loan Market, which has 700 brokers and settled $8.5 billion in loans in Australia over fiscal 2017, has appointed Martin Pentecost to head the rural expansion.

Ray White Rural and Livestock
11/23/2017
The state of rural property sales in NSW

Andrew Crauford, the CEO of Ray White NSW, says that rural property sales in his state are surprisingly strong given persistently dry weather. "Buyer interest in quality farm and grazing land has been consistent over the last few weeks with good sales occurring in key agricultural markets. In theory, this ...

Ray White Rural and Livestock
11/21/2017
#AgDay proudly sponsored by Ray White Rural and Livestock

Ray White Rural and Livestock are proud sponsors of the first ever National Agricultural Day in Australia. To celebrate, we got three rural agents to share a day in their respective lives. A day in the life of... one of our youngest agents who covers hundreds of kilometres daily, starting ...

Ray White Rural and Livestock
11/21/2017
Showcasing Ray White Rural and Livestock Australia

This edition of Ray White Rural and Livestock's 36-page property liftout is our guide to the great rural holdings and regional investment opportunities across Australia right now. It's a vast and expansive document, covering communities from Western Australia to Western Victoria, with our typically strong input from Queensland and New ...

Ray White Rural and Livestock
08/29/2017
Capital growth in Forbes real estate market

The Forbes real estate market it outperforming neighbouring centres, with recent data showing local investors have backed a winner. The results for property sales in Forbes for the last financial year paint a good picture of Forbes, according to Tracie Robertson principal of Ray White Forbes, Condobolin and Parkes. "The ...

Ray White Rural and Livestock
08/21/2017
Rural property of the week: perfect for a grape escape

Marketing and telecommunications specialists Sandra and Michael Banks are selling their winery in the Orange region, located in the historic hamlet of Neurea, with a pricetag of just over $1million. The Bell River Estate Winery is a profitable cellar door that has had a licence for over 70 years when ...

Ray White Rural and Livestock
08/15/2017
Ray White Rural achieves record year in sales

The Australian Financial Review 15 August 2017. Ray White Rural scrapped in a record financial year with $1.4 billion in property sales, up $75 million on the previous year. The 23-year-old rural division of the Ray White Group (which posted $44.7 billion in sales for 2016-17 financial year), also added more than ...

Ray White Rural and Livestock
08/14/2017
Rural property demand strong in Western Australia's South Coast

South coastal climate, reliable rainfall and low frost risk is continuing to attract the attention of private and corporate buyers and investors. The continued success of local farming families and significant improvements in farming methods have helped raise the profile for this beautiful part of the State. Parts of the ...

Ray White Rural and Livestock
11/09/2017
The state of cattle and sheep markets in Australia

Ray White Livestock's Bruce Birch says the volume of livestock transacting across the nation is growing, despite supply issues. "Throughout our agency network the turnover in numbers of both sheep and cattle continues to grow despite external factors influencing supply. Reaching from the Northern Territory, along the eastern seaboard as ...

Ray White Rural and Livestock
05/29/2019
Big dry hasn't dampened rural sales in NSW

Ray White Rural's analysis of the first quarter of 2019 shows despite vendors being cautious about listing during dry times, discerning buyers are out in abundance. Domestic buyer opportunism is being buoyed by rising commodity prices, a low Australian dollar, and restrictions on foreign buyers, despite fewer properties being marketed ...

Ray White Rural and Livestock
05/30/2019
The oldest property in the Central West up for auction

A slice of Australia's colonial history is set for auction next month. Macquarie was the first farm beyond Australia's coast and the first dwelling over the Great Dividing Range. In 200 years, only three families have held the farm that explorer William Lawson settled after crossing the Blue Mountains, Macquarie ...

Ray White Rural and Livestock
05/27/2019
Interview with Ray White Rural's Profit Executive David Simpson and CEO Stephen Nell

Each year Ray White produces a document called the 'Profit Book' using the P&Ls from a large cross-section of businesses across the company. We produce one looking specifically at country offices, those operating in rural and regional areas, and it provides an interesting template for healthy decision making for ...

Ray White Rural and Livestock
05/27/2019
Ray White Rural announces epic Super Farm Sale Friday synchronised event

Ray White Rural has today announced an event for farm sales as more favourable seasonal conditions arise in the eastern states agriculture sectors and vendors are again bringing properties to market. The company has launched a synchronised property sales event with tenders closing and auction campaigns completing on 9 ...

Ray White Rural and Livestock
04/29/2019
Ray White data shows April has brought a shift in the market

Over the years we've found the data regurgitated by the press can at times be incongruent with our own. Our latest data* shows some curious trends. For background, Ray White represents about 10 per cent of all properties brought to market in Australia, and there's scarcely a market in which ...

Ray White Rural and Livestock
04/29/2019
First time on the market in 40 years, 500-hectare 'Jem Park' Condoblin

For the first time in over 40 years (1975) Jem Park, on 1267acres, seven kilometres North of Condobolin will be offered for sale this week, on account of Mrs Edna Kiss the wife of the late Mr Jozsef Kiss a much-loved local business owner, farmer and emigrant from Hungary. Marketing ...

Ray White Rural and Livestock
04/24/2019
Seven super rural sales in recent weeks

Everyone's getting down and out about the property market, but we're seeing plenty of great sales. Number seven is a BEFORE AUCTION sale of a fish farm in Condomine for $4.1million Number six is an AUCTION of "Manordale" 532.7ha, "Baileys", 217.8ha near Clare, South Australia for $4.97 million Number ...

Ray White Rural and Livestock
04/26/2019
Profitability of country offices shines in a softer market

This week Ray White Rural and Ray White Livestock published the third annual edition of the Country Profit Book: a benchmark developed using the true financials of our businesses to determine revenue, expenditure and profit measures for comparison. The 'country' series looks exclusively at our businesses in regional and rural ...

Ray White Rural and Livestock
02/13/2019
Wide interest expected in auction of "drought-proof" cropping property

A "drought-proof" cropping property in Gooloogong, NSW is going to auction next month with Ray White Emms Mooney agent Josh Keefe expecting to field enquiries from both local and international buyers. The Scammell family has owned 'Kara' for the past 23 years, with the property currently run by three brothers.

Ray White Rural and Livestock
02/07/2019
What does 2019 hold for the sale of livestock properties?

Interview with Linda Rowley from Beef Central (BC) and CEO of Ray White Rural and Livestock Stephen Nell (SN). Read the interview on Beef Central. BC: What are your expectations for 2019? What's happening with the farmer-to-farmer market? SN: Although there has been a lot of jawboning and press about tightened credit ...

Ray White Rural and Livestock
02/01/2019
Our 25th year is here, and boy are we excited

It's pretty extraordinary to think that 25 years ago, Ray White Rural's chairman Paul White decided to start this business. He is the great-grandson of the Ray White, a fellow who in1902 as a young man started a tiny little business in hamlet in rural Queensland, on the Darling Downs.

Ray White Rural and Livestock
01/08/2019
Ray White Livestock strengthens with Friend joining network

Well respected Queensland agent David Friend has joined forces with Ray White Livestock in a move that will strengthen the sales and livestock marketing services provided to the community of Warwick. David Friend's vast livestock industry knowledge, gained through a lifetime in stock and station agency, will be a welcome ...

Ray White Rural and Livestock
02/01/2019
Ray White Rural open first new livestock office for 2019 in Warwick

Ray White Livestock has launched this month in Warwick with key players bringing energy and expertise to the local market. Conducting weekly cattle and sheep sales as part of the Warwick Livestock Selling Agents Association at the local saleyards, as well AuctionsPlus, private sales and stud sales, Ray White Livestock ...

Ray White Rural and Livestock
02/01/2019
Is this the cheapest house in a rocketing little town?

While capital city real estate markets are talking about a downturn in activity, one little country town is celebrating a 15 per cent increase in median house prices for the year. Yass, in southern NSW, record a 14.7 per cent increase to $556,000 in 2018, according to the Domain House ...

Ray White Rural and Livestock
12/12/2018
George Southwell investigates: Boorowa versus Bondi

YOUNG rural property agent George Southwell can't understand why more people don't live in Boorowa, so he's filmed a video to challenge citysiders to consider it. Looking at lifestyle, cost and house prices, Mr Southwell has posted a 'research' video today, ahead of this Saturday's auction of a sprawling five-bedroom, three-bathroom home ...

Ray White Rural and Livestock
12/02/2018
Dalby Stock Horse Sale results 2018

Ray White Equine hosted the 44th annual Dalby Australian Stock Horse Sale, the largest sale of its kind in the nation, with bidders registered from as far afield as New York, Victoria, Northern Territory, Western Australia, New South Wales and across Queensland competing for 228 lots. Ray White Dalby's Roger ...

Ray White Rural and Livestock
11/14/2018
Tinder for livestock hits 1000 users

An app that allows buyers to choose cattle and sheep for sale nearby has reached 1000 downloads by producers and graziers in Australia. The app - STOCKD - developed through funding at Ray White Rural and Livestock, with the company's head of innovation Lyndsey Douglas at the helm, aggregates cattle and sheep for ...

Ray White Rural and Livestock
11/14/2018
Best sale of each month at Ray White Rural in 2018

Some of our favourite sale stories from 2018. Calcannia, Clare SOUTH AUSTRALIA ($11.65m), November 2018 After being held by the same family for 177 years, the 905-hectare Calcannia has been sold at auction for $11.65 million. Located about seven kilometres north of Clare, the property attracted significant pre-sale interest from all states and ...

Ray White Rural and Livestock
11/13/2018
A message for drought-affected farmers: funds are available

As we head towards the festive season, a time when giving and togetherness is central, it's often a time for reflecting on the hardships being faced by others in our community. Drought affected producers are top of mind for us this year. Despite the media attention dropping off, extended dry ...

Ray White Rural and Livestock
11/03/2018
What's going on with real estate in Tumut?

REGISTERED bidders from across the nation competed for 237 lots at the 45th annual Ray White Equine Dalby Stock Horse Sale, with sales under the hammer totalling more than $1,500,000, culminating in a clearance rate of 78 per cent.

Ray White Rural and Livestock
10/16/2018
First sale for new business achieves $17million

New business Ray White Rural NSW made its first sale today with Guyra's "Tenterden Station" purchased for $17million at an auction held in Sydney. Directors Andrew Starr and Bruce Birch (pictured) sold the property to Miramar Trust and Riversleigh Trust in the Ray White Sydney Auction Rooms today, Friday 12 ...

Ray White Rural and Livestock
10/08/2018
District record achieved for Kyeamba Valley grazing property

A property in the Upper Kyeamba Valley, located midway between Wagga Wagga and Holbrook, has sold for $3.7million at auction. Ray White Rural Wagga Wagga agent Geoff Palmer says "Jandera" attracted interest due to its reputation as a pristine, low maintenance livestock production parcel. "The buyers were a private family ...

Ray White Rural and Livestock
10/03/2018
Iconic Eastern Riverina property sold this week

An historic and iconic Eastern Riverina aggregation sold this week, via a tender process, achieving one of the highest prices in the region this year. Lake Midgeon, known for its Australian pastoral history dating back to the 1860s, is today a modern cropping, cattle, sheep, wool and lamb production aggregation ...

Ray White Rural and Livestock
10/08/2018
Stock Camp prepares next generation of stock and station agents

The next generation of livestock and station agents travelled from hundreds of kilometres and several states to attain their first accreditation for a job in the industry. Stock Camp, hosted by Ray White Rural, and sponsored by Fairfax, SocietyOne and Brand Territory was held at Charles Sturt University in Wagga ...

Ray White Rural and Livestock
09/03/2018
Ray White Rural opens new business in Sydney with Andrew Starr and Bruce Birch

Ray White Rural and Livestock today announces the appointment of a Sydney-based corporate sales and marketing entity to service large scale agribusiness transactions and divestments. The team, led by Andrew Starr (one of the group's top rural principal) and Bruce Birch (the organisation's national livestock director), will partner with local ...

Ray White Rural and Livestock
08/22/2018
The #bigdrychallenge for drought relief

Ray White has launched a social media challenge to raise funds and awareness for drought across Australia. The challenge is for members of the network to consume a dry Weetbix as quickly as possible. Each second taken to complete the challenge is worth $2 in donations to Drought Angels. Participants ...

Ray White Rural and Livestock
06/12/2018
Rural division posts four consecutive record months

Ray White Rural has recorded four consecutive months of its highest ever sales results, totalling nearly $600million in sales in the first four months of 2018. The 24-year old rural division of the 130-year old major real estate network has recorded new monthly record transaction results every month in ...

Ray White Rural and Livestock
05/29/2018
Australia's biggest stock horse sale announces 2018 dates

Ray White Rural and Livestock has launched the 2018 dates for the iconic Dalby Australian Stock Horse Sale. In its 44th year run by the proactive Darling Downs Branch of the Australian Stock Horse Society (ASHS), this year's sale will be held from Friday 30 November starting with the incentive ...

Ray White Rural and Livestock
03/07/2018
Women making their mark on rural property sales across Australia

With international women's day around the corner, national rural property agency Ray White Rural analysed the role women play in their company in 2018. "You might expect the rural property game to be dominated by men. After all, traditionally stock and station agents have been men," head of innovation Lyndsey ...

Ray White Rural and Livestock
03/01/2018
More home loan ranges for Parkes, Condobolin and Forbes residents

Home buyers in Forbes, Parkes and Condobolin now have access to 30 lenders via well known local and trusted mortgage broker Katrina Ferguson. Operating as a Loan Market representative based out of the three towns, Katrina is supporting a number of the region's real estate agents and their clients to ...

Ray White Rural and Livestock
04/30/2018
Here's five reasons you won't want to buy this property, says agent

A creative young rural property agent has decided to anti-market a property in Bombala in southern NSW, by giving interested parties five reasons they should avoid the property, in a video released to market today. 22-year old George Southwell of Ray White Rural Canberra and Yass shot a video onsite ...

Ray White Rural and Livestock
07/30/2018
Drought initiative launched: sending our support

Ray White Rural and Livestock is calling on their friends and members of the Ray White Group to help drive funds towards farmers and rural families affected by the prolonged drought impacting much of Australia. Paul White, chairman, said that the debilitating impact of this drought needs all Australians to ...

Ray White Rural and Livestock
02/13/2018
The history of Ray White Rural and Livestock

From humble beginnings in 1902, Ray White built his business upon the sale of livestock and rural properties from a small town in rural Queensland, Crows Nest. Today, Ray White is still proudly a family owned and led company. His grandson Paul White is the chairman of Ray White ...

Ray White Rural and Livestock
01/31/2018
Vale Tony Fountain: "has gavel, will travel"

Tony Fountain, as you may be aware, passed away last weekend after suffering a stroke at the age of 72. There are many tributes to Tony on websites such as Ray White's Whiteboard and Beef Central. Tony had a big impact on the progress of Ray White Rural and Livestock in the ...

Ray White Rural and Livestock
01/26/2018
$20,000 donation to kick start the year for drought charity

Ray White Rural and Livestock has made a pledge to donate $20,000 to Drought Angels to kick start the year in a new social media campaign. It's been five years since drought was last officially declared in Queensland, and today two-thirds of the state (around 120 million hectares) and 35 ...

Ray White Rural and Livestock
06/04/2019
Most significant sale in Eden-Monaro farming sells off-market

After operating their breeding enterprise in the Monaro for 11 years, owners Rod and Sue Nicholls of Kybeyan Station, Nimmitabel, have sold in an off-market transaction achieving one of the highest prices in the region this year. Geoff Palmer, a Rural and Agribusiness specialist for Ray White Rural in ...

Ray White Rural and Livestock
10/06/2019
Special sale attracts South Australian buyers

Ray White Livestock Albury held a special cattle sale this month in response to the ongoing dry conditions in Deepwater. 1500 weaners were lined up at the sale, all from one vendor: Narrie Holdings Pty Ltd from Deepwater NSW, the Newsome Family. "It certainly drew some interest," principal of Ray ...

Ray White Rural and Livestock
07/04/2019
Boys in yellow achieve record fat lamb price in Forbes

A brand new livestock team in the region is making headlines achieving the highest recorded price for fat lambs in 2019 at the Central West Livestock Exchange this week. On Tuesday, Ray White VC Reid topped the weekly lamb sale for the third time in as many months including having ...

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