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      <image:title>Market Updates &amp; Auction Reviews - 88 Church St Camperdown</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1edaed53-a5a7-4b11-b0cc-6d7e506f95e2/88+Church+st+camperdown+auction.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 88 Church St Camperdown</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/purchasing-advice/41-simmons-st-enmore</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1685393243276-67ON4LN7M0G48YYQ3PB7/41+Simmons+St+Enmore+Buyers+Agent+Inner+West+1.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 41 Simmons St Enmore</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1685393242216-SS713VTUUKTMZERHJAFC/41+Simmons+St+Enmore+Buyers+Agent+Inner+West+2.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 41 Simmons St Enmore</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1685393295323-B1RHUYJODW59XRXAHO3U/41+Simmons+St+Enmore+Buyers+Agent+Inner+West+3.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 41 Simmons St Enmore</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1685393289179-6FH0ORPDJQFJIK1Q0Q2F/41+Simmons+St+Enmore+Buyers+Agent+Inner+West+4.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 41 Simmons St Enmore</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1685393874047-1EYFDPLH1AXFR9EP1KNS/41+Simmons+street+enmore+floorplan.png</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 41 Simmons St Enmore</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/686a494b-69fd-4962-a13f-6774d2a7cd61/41+Simmons+St+Enmore+Buyers+Agent+Inner+West+1+5.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 41 Simmons St Enmore</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/purchasing-advice/14-marmion-street-camperdown</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1685179205857-I5XYS68OBHVPA8WA8BSE/20230527_092412.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 14 Marmion St Camperdown</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1685179222399-B1F72YPTWOVWERPH6F8J/14+Marmion+ST+camperdown.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 14 Marmion St Camperdown</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1685179207286-JS8TTCGP1CFIS940DWPN/20230527_092405.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 14 Marmion St Camperdown</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/6d78ccd8-e98f-405f-9ad5-56ab753c9419/14+Marmion+St+Camperdown+auction+Penny+Vandenhurk.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 14 Marmion St Camperdown - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/purchasing-advice/property-reports</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/007ac020-212b-4530-899f-6d919e65f528/Property+reports+are+not+reliable.png</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - Property Reports are worthless; and here’s proof! - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/purchasing-advice/68-kensington-road-summer-hill</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1684631075002-0DE0X0HQTJDI5JEA8W92/68+kensington+road+summer+hill+auction+2.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 68 Kensington Road Summer Hill</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1684630795777-IKII29S0UJJTLFYR44DV/68+Kensington+road+summer+hill.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 68 Kensington Road Summer Hill</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1684630765987-HMD6QYGAXBIMEEF9SRGJ/68+Kensington+road+summer+hill+3.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 68 Kensington Road Summer Hill</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1684630766802-MR9E01J1V2F130927AG9/68+Kensington+road+summer+hill+2.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 68 Kensington Road Summer Hill</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/5ea96440-e751-47cb-85e8-d22402862a38/68+Kensington+road+summer+hill+auction.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 68 Kensington Road Summer Hill - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/purchasing-advice/402-320-harris-street-pyrmont</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1684570095217-E54G170SERCCMUXKWDGJ/402+320+Harris+St+Pyrmont+auctioneer.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 402/320 Harris Street Pyrmont Auction</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1684570095192-2SFTEWK6MAAIVEL1FLAW/402+320+harris+st+pyrmont+auction.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 402/320 Harris Street Pyrmont Auction</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/purchasing-advice/2-crown-st-st-peters</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/2525a721-4762-4bcf-b310-14ca48a10116/2+crown+st+st+peters.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 2 Crown Street St Peters Auction - The property</image:title>
      <image:caption>2 Crown Street St Peters is a unique and versatile home. 4 levels and a rooftop terrace over looking Sydney Park, it was described as an “industrial treehouse”. The home has 4 bedrooms, 2 bathrooms and a double garage. It has been architecturally designed with little expense spared. Total land size of 132sqm and internal floor size 219sqm. The location is great. Directly opposite Sydney Park, a 5min walk to the train station and King St Newtown</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1679706795360-RJMBQJYZ3STX13UFAJJX/2+Crown+St+St+Peters+auction+Penny+Vandenhurk+Buyers+Agent.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 2 Crown Street St Peters Auction</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1679706788303-YW98V5HS8PEHX08N0MAI/2+Crown+St+St+Peters+Penny+Vandenhurk.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 2 Crown Street St Peters Auction</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/purchasing-advice/the-paradox-of-choice</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/purchasing-advice/3-consett-st-dulwich-hill</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/dfd9b9a5-31e0-40ce-98bd-981dca0a2924/3+Consett+st+dulwich+hill+4.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 3 Consett St Dulwich Hill Auction - The property</image:title>
      <image:caption>3 Consett Street Dulwich Hill is a freestanding modern home, that has some character and charm. A 3 bedroom, 2 bathroom and parking on title make it an attractive asset. Especially to young or growing families. Location and access is great, natural light was great, small outdoor area and move in ready for a number of buyers. The property came to market with a standard campaign followed by an auction and had a price guide of $1,700,000.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/f5aee5f9-b816-4310-a3eb-b4bf8df2797c/20230318_223228.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 3 Consett St Dulwich Hill Auction - The Auction | &gt;5 active bidders</image:title>
      <image:caption>The start Person 1 opens on the guide of $1,700,000 A minute later, enters Person 2 at $1,750,000 These two get it to $1,850,000 after a couple of minutes when someone attempts to enter with a $5000 bid. Emma Brown-Garrett, the auctioneer, politely declines a $5,000 at this stage. The middle Person 3 then comes to the party with $1,875,000 Person 4 then attempts to enter at $1,875,000 - not realising the auction was already there! They re-adjust and enter at the $1,890,000 point. With the auction stalled at $1,900,000, someone in the crowd heckles out about if the property has passed reserve / is on the market. The business end (cracking $2million) The auction has been going for &gt;20mins by the time it hits $2,000,000. A great job by auctioneer Emma because it was pretty obvious a home of this quality was going to sell for over $2m. At $2,220,000, bidder 5 decides to throw in an extra $1,000 thinking it will be enough. It wasn’t.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/purchasing-advice/8-rawson-street-newtown</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/52b18081-2973-4060-929c-9a8c27513919/8+Rawson+st+newtown+penny+vandenrhuk.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 8 Rawson St Newtown Auction - The property</image:title>
      <image:caption>8 Rawson Street Newtown is a semi detached, single level, 2 bedroom, 1 bathroom, no parking house in a great pocket of Newtown. A 1900’s Victorian style small cottage, with a lot of charm. Perfect for a young couple, an investment, a downsizer, or someone looking for a renovation project full of potential.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/f7ed24b4-6342-4712-8b3f-10a8cab8fa26/10+Rawson+st.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 8 Rawson St Newtown Auction</image:title>
      <image:caption>What is most fascinating about this sale though, is that the other half of the semi, 10 Rawson St Newtown, went to auction just four weeks ago on 18th February 2023. The properties are almost identical. 10 Rawson St sits on 98sqm (a whole 2 sqm smaller than number 8), and while an identical floor plan in reverse, had not been ‘spruced up’ for sale. The bathroom and kitchen presented in a slightly inferior condition to number 8, albeit, were completely liveable and functional. The auction of number 10 had 3 registered parties, with only 2 active on the day. It was like pulling teeth to get a bid out of anyone, and the auction slowly crawled. It sold under the hammer for $1,110,000. At the time, and still, I thought this was a bargain buy. Picture: 10 Rawson St Auction 18 February 2023</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/d3b41b22-e17a-42c0-ae2c-ff1c227541e5/8+Rawston+St+Newtown+auction+2.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 8 Rawson St Newtown Auction - 8 Rawson St Auction | 7 active bidders</image:title>
      <image:caption>The start Person 1 opens the bidding at $950,000. Drops out at ~$1,110,000 (what number 10 had sold for) Person 2 comes in at $1,000,000. Drops out at ~$1,110,000 (what number 10 had sold for) Person 3 comes into the race at $1,050,000 Person 1, 2 &amp; 3 move quickly to get to $1,110,000 (what number 10 had sold for) The middle Person 4 enters at $1,120,000 and competes with person 3 for a while. Person 5 (an investor couple) enters at $1,190,000. Person 4 and 5 battle it out up to just over $1.2m. The business end (now over $100,000 what next door sold for!) Person 6 enters in at $1,235,000 Person 7 then comes in at $1,240,000</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/purchasing-advice/8-harriet-st-marrickville</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/467a0781-49e2-4c1f-a87f-e69d0d7439bb/Marrickville+auction+buyers+agent+Penny+Vandenhurk.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 8 Harriet Street Marrickville Auction - The Auction | Active bidders</image:title>
      <image:caption>Four active bidders at the auction Person 1 who opened the bidding at $1.8m, and drops out just over $2,200,000. Person 2 joined the race and increased bids in $50k and $25k increments, dropping out somewhere just over $2m. Person 3 joins in at around the $2m mark and looks to almost have it at $2,235,000. Person 4 joins the bidding at $2,236,000 with a $1,000 bid. It seemed there whole strategy was to only ever bid in $1,000 increments. Not a great strategy and ultimately did not pay off for them.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/5d46eafe-8617-4ce3-962c-2b97d8d16037/Marrickville+median+prices.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 8 Harriet Street Marrickville Auction - In March 2021, Marrickville had 4 properties sell that were all comparable to 8 Harriet St. All four bedroom, similar size land, potentially even a slightly better quality. 2 Bayley St Marrickville sold for $2,210,000 6 East St Marrickville sold for $2,280,000 349 Enmore Road Marrickville sold for $2,300,000 27A Henson Street Marrickville sold for $2,304,000 The point being, the purchase of 8 Harriet St Marrickville in March 2023, has put the buyer in the same position as if they had bought in March 2021 (except their loan is starting on an interest rate that is 6% and not 2%!) The current median house price in Marrickville is $1.64m. This is eerily exactly where the market was 2 years ago. It peaked at $2m in Nov 2021.</image:title>
      <image:caption>The other key metric is % of stock on market. March 2021 this was 3.22%, peaking at 4.05% in August 2022, and is now back down to 3.51%.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/purchasing-advice/1-augustus-st-enmore</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/purchasing-advice/112-denison-road-dulwich-hill</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/8fe6966b-11ae-475c-b6a3-94f3a2900bfd/112+Denison+Rd+Auction+Penny+Vandenhurk+Buyers+Agent.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 112 Denison Road Dulwich Hill Auction - The market In the past 3 months, only one other 2 bedroom home in Dulwich Hill has sold. 3A Fairfowl Street, also without parking and sold for $1,582,000. In the 3 months prior to that, there was 5 that sold, the highest price being $1,575,000 for 24 Frazer St. There are three others currently on the market, although one only listed yesterday so buyers would not yet have considered that one if they were bidding today. The 3 bedder next door (112A Denison Road), which was two levels, sold in August 2022, for $1,703,000 so you wouldn’t expect a 2 bed single level, 6 months later to sell for more. Not when the media is telling you that prices are crashing?!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/purchasing-advice/12-bubalo</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/purchasing-advice/3-32-mount-st-coogee</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/bd48da07-6da2-4715-90ee-21b2b0788145/3+32+Mount+St+Coogee+NSW+Penny+Vandenhurk.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 3/32 Mount St Coogee Auction - The registered bidders</image:title>
      <image:caption>When you see a line up out the door, out the property and back onto the street - you know you are in for a crazy auction. There was approximately 30 parties who registered to bid. That is about 50 people (factoring in couples) who spent the last 4 weeks: Inspecting this property multiple times Paying for a solicitor or conveyancer to review their contract and request changes Reading the strata report Talking to their mortgage broker about their pre approval Losing sleep wondering what they should be prepared to pay 25 of these groups wasted a lot of time, thinking it may sell under $1.3m. Majority of the bidders looked to be young people and couples in their 30’s and 40’s. There was also numerous Buyer’s Agents present, myself included. During the week an interested party had asked for my advice on price - and when they told me their max budget was at $1.2 or maybe a tad over, I told them not to bother. No need to waste any more emotional or actual time on a property they were not going to be able to afford.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/5f18e295-d28e-42f4-a8d4-66f5442f381f/3+32+Mount+St+Coogee+NSW+Penny+Vandenhurk2.jpg</image:loc>
      <image:title>Market Updates &amp; Auction Reviews - 3/32 Mount St Coogee Auction - The auction</image:title>
      <image:caption>Damien Cooley was the auctioneer - one of the industry's most reputable and best auctioneer's. While a very talented auctioneer, this auction probably could have been called by a novice on their first ever day - Damien barely had to say a word about the property. In addition to the 30 registered parties, the crowd for the auction was packed. Easily 100 people, probably closer to 150. Plus media and photographers. Passing cars were slowing just to avoid hitting people as we spilled onto the road. In this current market (the one where the media tell you the property market is crashing), most auctions open around the guide price, give or take $50k. Guide $1,050,000 Opening bid $1,350,000 You could hear the disappointing sighs of the crowd as most people realised the first bid had knocked them out. In total, about 5 registered parties got to have a go. A go at buying a very average 2 bedroom apartment in Coogee for a large sum of money (of which there are over 3,500 in total!)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/purchasing-advice/the-trade-off-to-upsizing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/purchasing-advice/what-the-bank-doesnt-want-you-to-know-right-now</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/purchasing-advice/what-sydney-buyers-pay-more-for-post-covid</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-09</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Market Updates &amp; Auction Reviews - What the 2021 Census data tells us about the property market… - On average, across the Eastern Suburbs, Inner Sydney and the Inner West, only 25% of properties are occupied by people with a mortgage on that property. The remaining properties are either owned outright or rented, meaning that the media speculation that increasing interest rates are going to drastically effect property prices is not supported by the data.</image:title>
      <image:caption>The median monthly mortgage payments will increase for about 60% of borrowers over 2022, as ~40% of existing mortgage holders in 2021 fixed their rate (or part thereof) when rates were sub 2%.</image:caption>
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      <image:title>Market Updates &amp; Auction Reviews - How to best prepare yourself for increasing interest rates? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Success stories - How Aussie Expats Bought an Inner West Home from Overseas - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Success stories - Five Swings, One Home Run</image:title>
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      <image:title>Success stories - Secretly Buying the House Next Door</image:title>
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      <image:title>Success stories - Purchased $100,000 Under Budget – A Strategic Auction Win in Darlinghurst - Make it stand out</image:title>
      <image:caption>A snapshot of the email I sent my clients before the auction about where they needed to be to be successful</image:caption>
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  <url>
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      <image:title>Success stories - Just 5 Days After Meeting – We Purchased!</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1753163667277-MAP63H38KY4HYZN0CDO3/Buyers+agent+ashfield+2.jpg</image:loc>
      <image:title>Success stories - Just 5 Days After Meeting – We Purchased!</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1753163678150-0SEFBQIU2QFUMSBJD0J3/Buyers+agent+ashfield+3.jpg</image:loc>
      <image:title>Success stories - Just 5 Days After Meeting – We Purchased!</image:title>
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  <url>
    <loc>https://www.purchasewithpenny.com.au/success-stories/earlwood-apartment</loc>
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    <lastmod>2025-07-22</lastmod>
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      <image:title>Success stories - Off-Market, Under Budget, Unbeatable Outlook!</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1750295770206-5F5QYQEQSORFWKSG4SJW/Earlwood+buyers+agent+2.jpg</image:loc>
      <image:title>Success stories - Off-Market, Under Budget, Unbeatable Outlook!</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1750295770015-90HKROIWPVKZSLHG88ZG/Earlwood+buyers+agent+3.jpg</image:loc>
      <image:title>Success stories - Off-Market, Under Budget, Unbeatable Outlook!</image:title>
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  <url>
    <loc>https://www.purchasewithpenny.com.au/success-stories/wolli-cree-auction</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-27</lastmod>
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      <image:title>Success stories - Securing Wolli Creek’s Best 1-Bedroom Apartment – Under Budget</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1750299908306-9N728GHGDGADWW8UM9GP/Wolli+Creek+Buyers+Agent+3.jpg</image:loc>
      <image:title>Success stories - Securing Wolli Creek’s Best 1-Bedroom Apartment – Under Budget</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1750299909867-YKQ9ST1A16UYFUYMHH55/Wolli+Creek+Buyers+Agent+2.jpg</image:loc>
      <image:title>Success stories - Securing Wolli Creek’s Best 1-Bedroom Apartment – Under Budget</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1750299907293-42EHVHT3OE5MZH3YRERE/Wolli+Creek+Buyers+Agent+4.jpg</image:loc>
      <image:title>Success stories - Securing Wolli Creek’s Best 1-Bedroom Apartment – Under Budget</image:title>
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  <url>
    <loc>https://www.purchasewithpenny.com.au/success-stories/granny-flat</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-19</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1750224526720-8JVP31MCV51T8FN8PGLD/Granny+Flat+1.jpg</image:loc>
      <image:title>Success stories - The Granny Flat That Solved It All</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1750224524323-N5Y84C0337P2WRWIXGXS/Granny+Flat+2.jpg</image:loc>
      <image:title>Success stories - The Granny Flat That Solved It All</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1750224524393-Q7F48AL2KGWRCZ2V7PB0/Granny+Flat+3.jpg</image:loc>
      <image:title>Success stories - The Granny Flat That Solved It All</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/25fede84-5014-43d7-a07f-4e69c9ba9c03/Main+house+kitchen.jpg</image:loc>
      <image:title>Success stories - The Granny Flat That Solved It All - Make it stand out</image:title>
      <image:caption>The existing design did not allow space for a fridge in the kitchen. The fridge was kept behind the wall on the right in the laundry.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/2968e528-f9d6-4ff1-bb6c-8f0b8f351fc6/Google+review+buyers+agent+sydney.jpg</image:loc>
      <image:title>Success stories - The Granny Flat That Solved It All - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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    <loc>https://www.purchasewithpenny.com.au/success-stories/hurlstone-park-house</loc>
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    <priority>0.5</priority>
    <lastmod>2025-06-19</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1745389641943-YWFAO2MA3IAW21FGE3TE/Hurlstone+Park+buyers+agent.jpg</image:loc>
      <image:title>Success stories - Against the Odds: Securing the Dream Inner West Home with One Bid</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1745389635323-IC82UC4UXQKH3WCWLQH3/Hurlstone+Park+buyers+agent+3.jpg</image:loc>
      <image:title>Success stories - Against the Odds: Securing the Dream Inner West Home with One Bid</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1745389640255-IW3Q128LL6XY01XFKHWY/Hurlstone+Park+buyers+agent+2.jpg</image:loc>
      <image:title>Success stories - Against the Odds: Securing the Dream Inner West Home with One Bid</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1745389999082-E467DR2EA0VWI8PC3BNY/Hurlstone+Park+auction+1.jpg</image:loc>
      <image:title>Success stories - Against the Odds: Securing the Dream Inner West Home with One Bid</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1745390366081-LL3H7YCV21MGPE6Q7V0I/Hurlstone+Park+auction+2.jpg</image:loc>
      <image:title>Success stories - Against the Odds: Securing the Dream Inner West Home with One Bid</image:title>
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  <url>
    <loc>https://www.purchasewithpenny.com.au/success-stories/botany-auction</loc>
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    <priority>0.5</priority>
    <lastmod>2025-03-08</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1740957569830-MQ5N9DX2YGIMXXRY9KBG/Botany+buyers+agent+3.jpg</image:loc>
      <image:title>Success stories - From Strata to Dream Home: A Winning Auction Strategy</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1740957571926-W7MNYQ4MC5OQWQYDLZR4/Botany+buyers+agent+2.jpg</image:loc>
      <image:title>Success stories - From Strata to Dream Home: A Winning Auction Strategy</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1740957568676-QDKTKPYEUJS4WYF7M0JX/Botany+buyers+agent+4.jpg</image:loc>
      <image:title>Success stories - From Strata to Dream Home: A Winning Auction Strategy</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/00b0506e-db64-44ca-a238-80d72c286d42/Botany+buyers+agent+5.jpg</image:loc>
      <image:title>Success stories - From Strata to Dream Home: A Winning Auction Strategy - Make it stand out</image:title>
      <image:caption>A snapshot of the email I sent my clients before the auction about where they needed to be to be successful</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/671f0998-bddc-49c6-afd2-4e5c887110a0/Agents+Co+in+room+auctions+Coogee.jpg</image:loc>
      <image:title>Success stories - From Strata to Dream Home: A Winning Auction Strategy - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.purchasewithpenny.com.au/success-stories/marrickville-house</loc>
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    <priority>0.5</priority>
    <lastmod>2025-04-23</lastmod>
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      <image:title>Success stories - A Freestanding 3-Bedroom Home in Marrickville for $1.4M—How We Made It Happen</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1741320175823-IIA4JVU5TPIK4YAOIYND/marrickville+house+buyers+agent+2.jpg</image:loc>
      <image:title>Success stories - A Freestanding 3-Bedroom Home in Marrickville for $1.4M—How We Made It Happen</image:title>
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      <image:title>Success stories - A Freestanding 3-Bedroom Home in Marrickville for $1.4M—How We Made It Happen</image:title>
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  <url>
    <loc>https://www.purchasewithpenny.com.au/success-stories/enmore-property-negotiation</loc>
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    <priority>0.5</priority>
    <lastmod>2025-03-08</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/246505ad-9327-4d2d-a9b4-62f46cb09a43/enmore+for+sale.jpg</image:loc>
      <image:title>Success stories - Saving $200,000 on an On-Market Property - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1741400186550-KEJM0BMS561YZVSQMLIB/enmore+buyers+agent+3.jpg</image:loc>
      <image:title>Success stories - Saving $200,000 on an On-Market Property</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1741400187452-RFETIKMNV64NYWOR0C8U/enmore+buyers+agent+2.jpg</image:loc>
      <image:title>Success stories - Saving $200,000 on an On-Market Property</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1741400188595-6EMVO0C2B1HKTVJXD2RC/enmore+buyers+agent+1.jpg</image:loc>
      <image:title>Success stories - Saving $200,000 on an On-Market Property</image:title>
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  <url>
    <loc>https://www.purchasewithpenny.com.au/success-stories/bondi-apartment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-27</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1739339305315-DD6JOQA7J5C8TZQWY3NV/IMG-20241212-WA0012.jpg</image:loc>
      <image:title>Success stories - The Dream Bondi Pad Purchased $150K Below Median Price</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1739339307713-5SERXKID5TIMJF1EQDQG/IMG-20241212-WA0009.jpg</image:loc>
      <image:title>Success stories - The Dream Bondi Pad Purchased $150K Below Median Price</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1739339309377-R480VYN6IIF4TKNZTPVC/IMG-20241212-WA0017.jpg</image:loc>
      <image:title>Success stories - The Dream Bondi Pad Purchased $150K Below Median Price</image:title>
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  <url>
    <loc>https://www.purchasewithpenny.com.au/success-stories/redfern-townhouse</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/success-stories/erskineville-house</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-08</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1730756450644-8WE7H9NAB8K49GAD1PLL/Erskineville+buyers+agent+1.jpg</image:loc>
      <image:title>Success stories - The 1 Week Erskineville Purchase!</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1730756453605-97C70H5NFERAP3XVAKUX/Erskineville+buyers+agent+2.jpg</image:loc>
      <image:title>Success stories - The 1 Week Erskineville Purchase!</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1730756471988-F28L3E033KWPK2ELLBSC/Erskineville+buyers+agent+3.jpg</image:loc>
      <image:title>Success stories - The 1 Week Erskineville Purchase!</image:title>
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  <url>
    <loc>https://www.purchasewithpenny.com.au/success-stories/auction-day-ashfield</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-27</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1730775567551-OQKZ6EX8I5W1561IH852/Ashfield+Buyers+Agent+1.jpg</image:loc>
      <image:title>Success stories - How to beat 10 other registered bidders</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1730775567362-X6HAW576N8C3C6D078K1/Ashfield+Buyers+Agent+2.jpg</image:loc>
      <image:title>Success stories - How to beat 10 other registered bidders</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1730775569415-PYZXB4MMM70FIZPMWY4I/Ashfield+Buyers+Agent+3.jpg</image:loc>
      <image:title>Success stories - How to beat 10 other registered bidders</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/c9165528-92ad-4154-9fdb-b2adf57c8b68/Chandos+St+Ashfield+Buyers+Agent.png</image:loc>
      <image:title>Success stories - How to beat 10 other registered bidders - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/success-stories/coogee-negotiation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-08</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1728988422472-UFYQLI77IUBSXUD1WAV4/coogee+buyers+agent+3.jpg</image:loc>
      <image:title>Success stories - Surf’s Up For These Coogee Buyers!</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1728988422028-92IIZ9970IFPTGNNVUVX/coogee+buyers+agent+2.jpg</image:loc>
      <image:title>Success stories - Surf’s Up For These Coogee Buyers!</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1728988424512-930HPP7NLJK9OXVA9NF7/coogee+buyers+agent+1.jpg</image:loc>
      <image:title>Success stories - Surf’s Up For These Coogee Buyers!</image:title>
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  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/success-stories/investment-property-haberfield</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-08</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1734307161965-MXJXXEQP4II7TQLDTMI2/haberfield+buyers+agent+1.jpg</image:loc>
      <image:title>Success stories - Purchased for $150,000 less than the asking price</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1734307157713-0QYT5RNXR830UC1VAV0F/haberfield+buyers+agent+2.jpg</image:loc>
      <image:title>Success stories - Purchased for $150,000 less than the asking price</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1734307158812-RACZA3OGJF099CLPG90C/haberfield+buyers+agent+3.jpg</image:loc>
      <image:title>Success stories - Purchased for $150,000 less than the asking price</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/7838e6ad-2c34-4d06-b277-9200b9e05ba3/haberfield+buyers+agent+4.png</image:loc>
      <image:title>Success stories - Purchased for $150,000 less than the asking price - Make it stand out</image:title>
      <image:caption>Sold results from Core Logic</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/806e20d3-813e-4f13-9e71-14624997cf24/haberfield+buyers+agent+5.png</image:loc>
      <image:title>Success stories - Purchased for $150,000 less than the asking price - Make it stand out</image:title>
      <image:caption>Purchased for $1,475,000 and valued at $1,610,000.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.purchasewithpenny.com.au/success-stories/auction-day-success</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1728884805535-LOEQZCP8X3NKS3AQ70WE/house+with+pool+3.jpg</image:loc>
      <image:title>Success stories - The Perfect Auction Strategy</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6096667153b9e57c7376dcf6/1728884807856-S0EE0J2UULQBTG3C4YRI/house+with+pool+1.jpg</image:loc>
      <image:title>Success stories - The Perfect Auction Strategy</image:title>
    </image:image>
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      <image:title>Success stories - The Perfect Auction Strategy - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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