
There are new things to consider when buying real estate in Australia. Up until last month, people buying real estate in Sydney really only considered the capital growth they were expecting to create within just a few years of making their purchase. Paying $1.2 million for an inner-city two-bedroom apartment didn’t matter so much if it was going to be worth $1.5 million two years later. It didn’t really matter that the crap rental returns you got for that price didn’t go anywhere near covering the mortgage because the old negative gearing benefit meant you could claim the losses on your tax. Things have changed. Negative gearing has gone and prices are dropping in Sydney … so that $1.2 million apartment doesn’t look so enticing any more, even though it’s now $1.1 million. Other cities have also been hit hard. Melbourne is now one of the cheapest cities in Australia to buy real estate. Although there are special Victorian reasons that come into play in that state. Victorians were bullied during COVID in a way that impacted small businesses in a disastrous way. The state’s debt is exorbitant, and no one seems to know how it gets paid back. Tobacco shops keep getting blown up by some underworld gang thing that the Government can’t control. They have metal boxes where people can hand in their machetes and that doesn’t appear to instil peace of mind in anyone. Terrible Governments end up having an impact and it definitely has had one on property prices in Victoria. A quick scan of on-line property sites shows you that you can pick up a decent two-bedroom unit in an inner-city suburbs like St Kilda and Collingwood in the $400,000s. I saw a three-bedder in St Kilda advertised in the $500,000s. While those prices might seem like great value, there are reasons the market is so low. People don’t trust the state Government and its management of the economy and the obvious concern would be that even though the prices might be low, there is no guarantee of capital growth. Capital growth has offered a warm embrace for investors in Australian real estate over many years. There has been an expectation that prices will go up. Obviously they will go up again but the questions is: Where will they go up, when and by how much? Unfortunately I don’t have the answer to that but I do find that when things get a bit blurry and uncertain, it’s good to stick to what you know … which, for me, is Mackay. We have several advantages over many other markets. Our median price for houses, in the $600,000s, is a lot lower than bigger cities so more affordable for local people who, by the way, still need somewhere to live. And, with the end of negative gearing and the banning of borrowing for property out of self-managed super funds, lower prices and strong rental returns should become a key factor in real estate investment. Yes, investors want capital growth but I feel the focus will probably shift more to rental yield and the monthly return on investment. Mackay’s rental returns are good and the purchase prices relatively low compared to other markets so there seems to me a good chance that our market will continue to be buoyed by those wanting to take advantage of that. Meanwhile the Mackay economy seems to be going well, driven by that crucial resource that is dug out of the ground and exported to countries that make steel. I got strong offers on three properties this week so there is a feeling that while there has certainly been a change driven by national political factors, our market is moving through it, adjusting to the new information and still bubbling along. The only thing I would say is that if any of you bump into David Crisafulli tell him to dump those high-level coal royalties.
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Queensland’s top real estate professionals and agencies are being called to step into the spotlight, with nominations now open for the Real Estate Institute of Queensland’s (REIQ) 2026 Awards for Excellence. REIQ CEO Antonia Mercorella said the awards remained the state’s highest professional recognition in real estate and continued to adapt alongside the profession itself. “The REIQ Awards for Excellence are the pinnacle of professional recognition in Queensland real estate, and each year we ensure the program remains contemporary, inclusive and reflective of the full scope of our profession,” Ms Mercorella said. “This year, we’re delighted to add a new Multi-Office Network of the Year category, recognising real estate agencies that operate as a unified multi-office network. “It’s a category our members asked for, and it’s a great example of how the awards continue to evolve alongside the structure and sophistication of Queensland real estate businesses.” Ms Mercorella said there was even more incentive for members to nominate this year, with a pathway from the outset to national recognition in eligible categories through the Real Estate Institute of Australia’s (REIA) National Awards for Excellence (NAFE). The REIQ Awards for Excellence span individual and agency categories, with some split into regional and SEQ areas, across residential and commercial sales, property management, buyer’s agency, auctioneering, business broking, multimedia, innovation and community contribution. Ms Mercorella said real estate professionals throughout Queensland could now start preparing and polishing their award nominations with the clock now ticking down. It’s time to shine! Nominations close on Sunday 12th July 2026, with the winners announced at a spectacular awards gala on Saturday 31st October 2026 at The Star Brisbane. Nominate now via awards.reiq.com
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Makayla Groves and Bianca O'Brien are part of the commercial property team at Blacks Real Estate, supporting landlords, tenants and business owners across the Mackay region. Working as Commercial Property Managers, Makayla and Bianca assist with the day-to-day management of commercial properties, helping clients navigate leasing and property management requirements across retail, office and industrial spaces. Based at the agency’s Wood Street office, the pair work closely with business clients throughout the region as part of Blacks Real Estate’s commercial division. Makayla Groves can be contacted on 07 4963 2522, while Bianca O’Brien can be contacted on 07 4963 2525. CAPTION: Bianca O'Brien works with Blacks Real Estate as a Commercial Property Manager. Photo supplied Makayla Groves works as a Commercial Property Manager with Blacks Real Estate. Photo supplied
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The Coalition has pledged to make the Northern Australia Infrastructure Facility (NAIF) a permanent institution, arguing the move would provide long-term certainty for regional investment, infrastructure and jobs across Northern Australia, including Mackay. The announcement follows the Federal Government's decision to extend the NAIF for a further 10 years, rather than permanently removing its sunset clause. Leader of The Nationals Matt Canavan said while the Coalition would support Labor's legislation, it believed the independent review's recommendation to make the facility permanent should be adopted. “The Developing Northern Australia is a proud LNP achievement,” Senator Canavan said. “Despite naysayers at the time, Northern Australia has remained on the agenda ever since. I am personally proud to have introduced the original Northern Australia legislation in 2016, with the policy built on the work that was done by LNP Members of Parliaments such as former Senator Ian Macdonald and former MP Warren Entsch. “Unfortunately, Labor is now kicking the can down the road. Northern Australia shouldn’t have to fight every decade to prove it is worthy of investment. “The independent review recommended making the NAIF permanent because it works. The Coalition established the NAIF in 2016, and we will make it permanent because Northern Australia should have long-term certainty for investment, jobs and economic growth.” Since its creation, the NAIF has supported 33 projects with $4.3 billion in finance commitments, helping deliver more than 18,000 jobs and an estimated $33 billion in public benefit across Northern Australia. Those investments include upgrades to airports in Darwin, Alice Springs, Townsville, Cairns and Mackay, along with projects supporting agriculture, mining and manufacturing. Shadow Minister for Northern Australia Senator Susan McDonald said permanent funding would continue to drive regional development. “Labor talks about Northern Australia, but the Coalition backs it with lasting investment,” Senator McDonald said. “The NAIF has transformed communities, unlocked private investment and created jobs across the North. Making it permanent sends a clear message that the Coalition believes in Northern Australia’s future and won’t treat its development as a temporary priority.” “Governments come and go, but Northern Australia’s importance will never diminish,” she said.
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Almost $45 billion worth of projects have been listed on the Greater Whitsunday Regional Projects Development Register 2024.
The register lists 472 projects which are valued at more than $1 million planned for the Mackay Isaac Whitsunday region.
Greater Whitsunday Alliance (GW3) Chief Executive Officer Ms Kylie Porter said the Greater Whitsunday Regional Projects Development Register clearly demonstrates the strong pipeline of development ahead for the region.
“This register showcases how strong our regional economy is across many different sectors, whether it be mining, construction or energy infrastructure.
“Our regional economy has a bright future, and this register is a clear demonstration of that. “Whilst the register lists more than 470 new projects, it doesn’t capture the many billions of dollars invested in our regional economy through regional businesses' cap-ex budgets.
Ms Porter said GW3 undertakes the Greater Whitsunday Project Development Register to identify key projects valued at over $1 million earmarked for the region.
Some of the key features of the register include:
• $4.1 billion in construction projects
• $6.1 billion in mining projects
• $11.3 billion infrastructure projects
• $21.4 billion in utilities projects
The Greater Whitsunday region is one of the world’s most diverse economic regions and contributes more than $58 billion in economic value to the Australian economy.
Ms Porter said the register demonstrates the economic strengths of the region and provides decision makers with a better understanding of development activity and opportunities across the region.
“Mackay is the centre of one of Australia’s most developed Mining Equipment, Technology and Service (METS) sectors; the Whitsundays is a world-class tourism destination with a growing agriculture and aquaculture sector and of course, metallurgical coal mining remains the cornerstone of the Isaac economy.
“The Greater Whitsunday region also boasts a strong agribusiness sector and is one of the nation’s largest sugar and biocommodity producers,” Ms Porter said.
Greater Whitsunday Council of Mayors (GWCoM) Chair and Isaac Regional Council Mayor Anne Baker said the Mackay, Isaac and Whitsunday regions collectively delivered more bang for buck than most of Queensland.
“We continually deliver and power the national economy through our minerals, tourism, and agriculture - all world class in their own right.
“It’s important the infrastructure we build ensures the liveability and sustainability of our communities for generations to come,” Mayor Baker said.
Mackay Regional Council (MRC) Chief Executive Officer Mr Scott Owen said in 2023 council had awarded $196 million to locally based businesses, accounting for 77 per cent of council's total supplier spending going to local businesses. In addition to investing in numerous major works projects such as the Mackay Waterfront PDA, Finch Hatton Mountain Bike Trails and Northern Beaches Community Hub, Mackay Regional Council also invests in local businesses daily through its general operations.
"As one of the largest organisations in the region, we have substantial buying power, and it is important local businesses share in that investment.
"Local businesses employ local people and we have a responsibility to help build a strong economy and secure jobs in our region.
"We awarded contracts to 1115 local suppliers in 2023, with many of those being awarded significant projects.
"For example, Vasallo Constructions were awarded a $6.1 million tender to construct the Pioneer River Levee from Valetta Gardens to Kay Court and J Mac Constructions were awarded $900,000 for a bioretention basin renewal project at Ooralea,” he said.
Other major MRC contracts include:
•Seaforth Civil Pty Ltd: Culvert rehabilitation and upgrade works totalling $1.28m and bus stop upgrade works totalling $400k.
•J Mac Constructions: Pioneer Valley Mountain Bike – Finch Hatton Trailhead and Finch Hatton Pump Track $4.5 million.
•Woollam Constructions: Design and Construct Building Refurbishment at 8 River Street, Mackay totalling $3.75 million and Caneland Bus Station (Structural Works) totalling $2.1 million.
•C & A Construction Mackay: Concrete and civil works totalling $200k.
Mr Owen said the growth and development of the region's economy was a top priority for Mackay Regional Council and is dedicated to promoting local businesses and industry as part of this.
Mackay Sugar Chief Executive Officer Mr Jannik Olejas said in 2023, Mackay Sugar invested approximately $90M in maintenance and capital projects across their three factories and cane supply.
“We have, and continue to, invest in upgrading and future-proofing our mill assets to create a sustainable future for Mackay’s sugar industry,” he said.
C-RES Chief Executive Officer Ms Tracey Cuttriss- Smith said for more than 11 years, the Local Buying Foundation has been a proud funding partner for economic and business development initiatives and projects in Mackay, Isaac and the Central Highlands which focus on building stronger local business communities.
“We are passionate about developing regional economies through empowering small, local, and Indigenous businesses to grow and expand their capabilities.
“Thanks to BHP and BMA’s commitment to supporting local through the Local Buying Program, the Local Buying Foundation has proudly provided $8M of funding to enable the delivery of business workshops, leadership and mentoring programs, workforce development programs, Indigenous business support programs, decarbonisation projects, numerous networking and engagement opportunities, and much more.,” Ms Cuttriss-Smith said.
A glimpse into economic dynamism: Greater Whitsunday region unveils a staggering $45 billion in projects for 2024, showcasing diverse sectors like construction, mining, infrastructure, and utilities. One project is the refurbishment of 8 River Street awarded to Woollam Constructions

Amid the escalating cost-of-living crisis, Michelle Landry, the Federal Member for Capricornia, has launched an online survey aimed at gauging the extent of the challenges faced by residents in Capricornia.
Ms Landry said the statistics are a frightening reality to just how much it hasn’t been easy under Albanese.
“Before the election, Labor promised a $275 reduction in people’s power bills and that Australians would be “better off” under his leadership. However, under Anthony Albanese’s leadership, the current data on the costs of essential items presents a contrasting perspective,” Ms Landry said.
“In just 18 months, the price of food at the checkout has gone up by 9 per cent, electricity prices have increased a whopping 23 per cent and there have been no less than 12 interest rate rises. Labor’s economic policies are failing Capricornians and they’re paying the price.
“The purpose of the survey is for me to better understand how these increases are impacting my constituents and what changes they would like to see. These insights allow me to take this information down to Canberra and fight for better policies,” Ms Landry said.
The cost-of-living survey can be accessed online via Michelle Landry’s website, michellelandry.com.au.
Federal Member for Capricornia, Michelle Landry, addresses the pressing cost-of-living crisis, launching an online survey to gauge the challenges faced by Capricornia residents
BACK TO SCHOOL IS TOUGHER
Further highlighting the cost-of-living crisis, Michelle Landry has said that the federal government’s inaction is making it harder to send kids to school ready to learn.
She said that Australian families are scrambling to find money for uniforms, stationery and textbooks this January with the cost of education up 4.8 per cent since Labor was elected.
“On average, parents are spending $2,547 per primary school child per year, and $4,793 for each child in secondary school. School supplies, including textbooks, stationery and uniforms, are estimated to cost $684 per primary student and $1,132 per secondary student,” Ms Landry said.
“The cost of education has kept on rising since Labor came to government, at the same time as Australian households are being hit with higher energy bills, higher mortgage repayments, and higher grocery prices.
Ms Landry, said that local families are struggling to send the kids back to school.
“Many families in Capricornia have already had to make sacrifices like missing out on going to the movies or going out to dinner just to make ends meet. Now, we are hearing that parents have even said they may be forced to pull their kids out of extra-curricular activities because of the cost.
“Education is a basic right but under Labor’s cost of living crisis it is getting increasingly unaffordable, and that means that Aussie children are missing out.
“The Albanese Government must come up with a plan to tackle inflation or else Australians will be the ones paying the price for Labor’s bad decisions,” Ms Landry said.

Distinguished Professor James Dale AC has been revealed as the Isaac Region Australia Day Ambassador, bringing his remarkable story to the forefront. As the inaugural Director of the Centre for Tropical Crops and Biocommodities (CTCB) at Queensland University of Technology (QUT), Prof. Dale has been a key figure in the biotechnology field for over 30 years.
A recipient of numerous accolades, including being named the 2019 Queensland Senior Australian of the Year, Prof. Dale gained recognition for his groundbreaking work in genetically enhancing the banana crop. His efforts were dedicated to combating vitamin A deficiency in Uganda, earning him a place among the top 25 inventions by Times Magazine in 2014.
Prof. Dale's work not only impacted global agricultural practices but also produced disease-resistant Cavendish bananas, safeguarding crops from potential devastation. Honored as a Queensland Great in 2015 and a Companion of the Order of Australia, Prof. Dale's influence extends across various continents, with collaborative projects in Africa, Asia, Europe, and the Americas.
Prof. Dale oversees the CTCB, a multidisciplinary centre focusing on tropical crops, covering gene discovery, genetic modification, biomass processing, and value-adding. With state-of-the-art facilities, the CTCB conducts collaborative projects globally, contributing to agricultural advancements. Prof. Dale's research spans biofortification of bananas, molecular farming for medical proteins, and disease resistance in genetically modified crops. His impact extends beyond research, having founded Farmacule Bioindustries, Australia's pioneer molecular farming company, showcasing his dedication to biotechnological innovation.
As the Australia Day Ambassador, Prof. Dale will grace celebrations in four Isaac towns, sharing his expertise and contributing to the region's festivities. Residents and visitors alike are encouraged to welcome him warmly. For details on the upcoming events, visit Isaac Region's official website.

CANEGROWERS has added its voice to a growing chorus of agricultural bodies from across the country demanding the Federal Government abandon plans for the introduction of a biosecurity levy on farmers.
Representatives from more than 50 peak ag groups, including CANEGROWERS, have signed a letter to Prime Minister Anthony Albanese calling for the proposed biosecurity levy to be scrapped.
CANEGROWERS Chairman Owen Menkens said the proposed levy would in fact operate like a new tax on farmers, saying the introduction of such a tax would be akin to fining the victims of crime while the perpetrators walk away scot-free.
“All farmers take biosecurity seriously on their farms every single day,” Mr Menkens said.
“That’s why growers already pay significant amounts through their levies to fund industry and farm-based biosecurity protection measures.
“What the government is proposing is not what we traditionally understand as a levy, where those contributing have, through their representative bodies, some sort of oversight of how that money is spent.
“Instead, funds from this new levy would disappear into a blackhole in Canberra where we would have no idea how or where they are used by the government. That’s not a levy, that’s a tax.
“And what’s worse, it’s a tax on the wrong people. If the government wants to raise additional funding for biosecurity measures, they should firstly look to the cause of many of our biosecurity breaches – importers and shipping companies – not to the farmers whose livelihoods are threatened by such breaches.
“It’s like someone stealing your car, but you are the one who is fined by the government while the thief walks away without a care in the world, it’s unjust.”
While CANEGROWERS has been calling for increased funding by the Australian Government to make the national biosecurity system better for all Australians, with increased accountability and shared responsibility, the proposed tax on farmers is simply a revenue raising exercise with no accountability.
It will also undermine the confidence of farmers in the value of existing R&D levy arrangements that invest in measures to prepare the ag sector for any incursions by new pests or diseases, Mr Menkens said.
“Whatever way you look at it, this is a poorly thought-out decision by the government and just another example of the bad policy we get when bureaucrats in Canberra make decisions without properly consulting the industries involved.”
CANEGROWERS is calling on its members to act by contacting their local federal member of parliament to raise their concerns at the proposed tax.
Photo source: CANEGROWERS Mackay (Facebook)

The extent to which temporary workers from the Pacific Islands and Timor-Leste are supporting essential agricultural and food processing industries has been highlighted by new analysis from the Australia Institute, adding weight to calls for much needed improvements to working conditions for temporary visa holders participating in the Pacific Australia Labour Mobility (PALM) scheme.
The analysis finds that PALM workers are equivalent to 10 per cent of the agricultural workforce usually resident in Australia, and equivalent to nearly a quarter (23 per cent) of Australia’s meat processing workforce usually resident in Australia.
Exploitation and poor working conditions of many temporary workers has been revealed in the report which recommends that working conditions meet those afforded to domestic workers.
The conditions imposed on PALM workers place them at the mercy of employers in a way that would be illegal for domestic workers.
Employers are allowed to make deductions from their wages, and workers are unable to leave their employers without going through a rigorous bureaucratic process.
If they chose to leave an abusive employer without approval, they face the threat of having their visa cancelled.
“The numbers show that workers from the Pacific Islands and Timor-Leste are keen to take up the opportunity to work in Australia, but being tied down to a specific employer creates problems,” said Dr Alexia Adhikari, Postdoctoral Research Fellow at the Australia Institute.
“It leaves workers enormously vulnerable to abuse and coercion and seriously reduces their ability to leave exploitative situations.
“While recent reforms to the program are certainly welcome, Australia can do more to ensure the equitable treatment of PALM Scheme visa holders.
“Overseas workers should be able to participate in temporary migration programs and return home with dignity as well as savings.”
Australia Institute research shows that there is strong support amongst the Australian public to provide better conditions for PALM visa workers with polling stating that over two-thirds of Australians believe PALM visa holders should have access to Medicare while working in Australia.
“Australia wants the Pacific region to think of us as a family and the Australian government wants to lean on our neighbourly relationship to establish partnerships for development, security and COP31 (climate summit),” said Dr Adhikari.
“We are asking for the co-operation and trust of Pacific Island nations, but our policies leave their citizens vulnerable to exploitation as they pick the fruit and vegetables that end up on Australian tables.”
Industries within which PALM visa holders are strongly represented make massive profits for the Australian economy.
Last year, the combined earnings from agricultural production ($90 billion) and agricultural export ($75 billion) were worth in excess of $160 billion.
Photo source: Department of Agriculture, Fisheries and Forestry

Embarking on a digital detox is not just a break from screens; it's a deliberate and transformative choice to cultivate mindfulness and create a healthier tech-life balance. Here are some top tips to help you navigate a successful digital detox and make the experience both achievable and enriching:
1. Set Achievable Goals:
• Define Clear Objectives: Outline specific goals for your digital detox. Whether it's reducing screen time, limiting social media use, or designating tech-free hours, having clear objectives makes the process more manageable.
• Gradual Progress: Consider easing into the detox by gradually reducing screen time each day or designating specific days for a complete break. Incremental steps make the transition smoother and increase the likelihood of long-term success.
2. Alternative Activities:
• Rediscover Hobbies: Reconnect with hobbies or activities that bring you joy. Whether it's painting, playing a musical instrument, or gardening, engaging in hands-on pursuits provides a fulfilling alternative to screen time.
• Outdoor Adventures: Spend time in nature. Take a hike, go for a bike ride, or simply enjoy a leisurely walk in the park. Being outdoors not only refreshes the mind but also encourages physical activity.
• Reading Retreat: Rediscover the pleasure of reading physical books. Create a cozy reading nook and immerse yourself in captivating stories without the distraction of screens.
• Mindfulness Practices: Integrate mindfulness into your routine through activities like meditation or yoga. These practices not only promote mental well-being but also help in staying present in the moment.
3. Tech-Free Zones and Times:
• Designate Tech-Free Zones: Identify specific areas in your home where technology is off-limits. For example, make the bedroom a sacred space free from screens to improve sleep quality.
• Establish Device-Free Times: Set aside dedicated periods during the day when devices are switched off. This could include meal times, family gatherings, or an hour before bedtime.
4. Social Connection without Screens:
• Face-to-Face Interaction: Prioritise face-to-face interactions. Plan coffee dates, board game nights, or picnics with friends and family to strengthen personal connections.
• Volunteer or Join Clubs: Explore opportunities to volunteer or join local clubs and communities. Engaging in shared activities fosters a sense of belonging and reduces dependence on virtual socialising.
5. Reflect and Journal:
• Self-Reflection: Use the time away from screens for self-reflection. Journaling thoughts and experiences can provide valuable insights into your relationship with technology and personal aspirations.
Remember, a successful digital detox is not about perfection but about creating a sustainable and mindful approach to technology use. By setting achievable goals, exploring alternative activities, and embracing intentional habits, you can embark on a transformative journey toward a more balanced and fulfilling life.

Embarking on the journey from the uncertain rental market to owning your first home is an exciting prospect as the New Year unfolds. To guide you through this transformative process, consider these essential steps to align your finances and make 2024 the year of homeownership.
1. Know Your Borrowing Power: Assess your borrowing power using online calculators before delving into the housing market. Estimate how much a lender may allow you to borrow by considering your income, existing debts, and monthly expenses.
2. Obtain Home Loan Pre-Approval: Secure pre-approval for your home loan to gain confidence in your maximum loan amount. While pre-approvals offer assurance, approach them cautiously, as discrepancies may arise during property valuation or lending assessments.
3. Impress Your Lender with Savings: Organise your financial documents to demonstrate a clear understanding of your income and expenses. Genuine savings built up over time enhance your credibility with lenders, showcasing stability and the ability to manage mortgage repayments.
4. Explore Grants and Schemes: Investigate potential grants and government schemes available in your state to assist first-time buyers. Programs such as the First Home Owners Grant (FHOG), First Home Loan Deposit Scheme (FHLDS), First Home Super Saver Scheme (FHSSS), and First Home Guarantee (FGH) can provide financial support.
5. Plan for Additional Costs: Apart from the deposit and loan repayments, be mindful of additional expenses like stamp duty, maintenance, and home insurance. Research state government schemes that may reduce or waive stamp duty fees, and budget for conveyancers, property inspections, pest inspections, and council rates.
6. Research Locations and Properties: Conduct thorough research on potential areas and properties, considering growth potential, amenities, and public transportation links. Attend open houses and inspect properties to gauge the area's feel, pricing trends, and available options.
7. Avoid Lenders Mortgage Insurance (LMI): While LMI can facilitate home loans with less than a 20% deposit, be cautious, as it does not transfer between lenders. Skipping LMI allows more flexibility in refinancing without additional costs.
8. Compare Home Loans: Understand the range of home loans available, exploring terms, interest rates, and fees. For first-time buyers, compare variable and fixed-rate home loans. Currently, variable rates may be more appealing due to potential rate reductions in the coming months.
By following these steps in a strategic order and staying informed, you can confidently navigate the path to homeownership and make 2024 a milestone year in your life.

With costs rising across many areas of life’s expenses, small savings can have a big impact. Here are our 5 top tips for beating the rising cost of living and making your dollar go further.
1. Check your home loan rate
Your home loan is a great place to start when looking for savings. If you haven’t yet reviewed your home loan, now is the time. With rates on the rise, there is an opportunity to save money and better align your loan to your future goals – there’s more to a home loan than just an interest rate! Available to anyone, our free home loan health check takes a pulse on your loan and provides an assessment that includes loan term, interest rate, home equity, your LVR, offset facilities and how your home loan aligns to your current goals. Visit our team to get yours done today!
2. Review big ticket expenses
When feeling the pinch, reviewing memberships to clubs, societies and gyms, as well as subscriptions and recurring expenses, can make all the difference. You might be able to make a saving by switching from monthly to annual payments, or you might decide to scale back for a few months to trim some fat from your budget.
3. Take a takeaway time out
While convenient, takeaways can significantly chew through your disposable income and dial up the pressure on your household budget. Try deleting apps from your phone to remove temptation and filling your freezer with ‘fakeaway’ alternatives to cook at home – save the real deal takeaway for special occasions.
4. Compare petrol prices
Fuel can be a budget-sucker at the best of times, and especially when prices are on the rise. Using an app like PetrolSpy allows you to compare prices in your area and make sure you’re filling up at the lowest price.
5. Tighten up your budget buckets
Sit down and review how you organise your money. It pays to separate out your savings and discretionary spending categories to help you keep on top of your priorities. If you regularly dip into savings for non-essentials, it may help to put it in an account with a different provider to reduce your ease of access!
With interest rates on the rise, there’s never been a better time to review your home loan. A Bendigo Bank home loan health check is a great way to ensure your home loan is still the right one for you and is meeting your current needs. Book your free home loan health check by contacting our Community Bank Sarina Bendigo Bank team on 4943 2634.

Sarina Sugar Shed is celebrating after recently being named as a two-time finalist in the national Grey Nomad Awards.
The Sarina Sugar Shed’s tasting tour has been shortlisted in the 2023 Best Foodie Experience category while the Sarina Sugar Shed tour has been shortlisted in the Best Tour category.
Mayor Greg Williamson said it was great news for the multi-award-winning facility and is recognition, once again, of their outstanding food tourism experiences.
“Congratulations to the Sarina Sugar Shed management team, staff and volunteers who love what they do and are passionate about providing high-quality experiences for our visitors,” Mayor Williamson said.
“Our fingers are crossed for a sweet result when the winners are announced in March,” he said.
Grey Nomads Awards Director, Ms Kim Morgan, said the awards shine a light on coastal, inland regional and remote Australia by rewarding organisations and destinations which cater to mature age visitors in an exemplary way.
“Through evidence-based assessment, the awards foster a better lifestyle for over 50s while providing verified information which guides travellers’ decisions on where to visit, play and stay,” Ms Morgan said.
“With all regions in Australia ‘open’ fully to travellers for the first full year since the pandemic, 2023 proved to be an extremely busy and therefore challenging one for those wanting to welcome grey nomads into their towns, communities and tourism businesses,” she said.
“Amidst such times, with often chaotic visitor numbers, operators and communities had to dig deep to find the extra energy needed to pursue a path of excellence.
“That is why our judges want to give a special shout out to Sarina Sugar Shed and the other finalists for demonstrating an unmatched commitment to visitor experience.”
The Grey Nomad Awards are judged by tourism professionals, some of whom have experienced the grey nomad lifestyle personally, adding weight to these entrant’s results.
Ms Morgan said all finalists would also have the chance to be named as the 'Best Grey Nomad Experience' in their state for the first time in these 2023 awards.
National and state winners in all categories will be announced at a gala dinner celebration on Friday, March 8, as part of the Art of Attraction Tourism Summit on Queensland’s Sunshine Coast.
Tour guide Betty Burrows providing sugar cane samples during a tour at Sarina Sugar Shed

Just over a century ago, two devastating cyclones etched their mark on north Queensland, a sobering reminder to be prepared for what mother nature can produce.
In the summer of 1918, the Mackay Cyclone, a Category 4, unleashed its fury on January 21, leaving Mackay and its surroundings in ruins. With violent winds and a 3.6-meter storm surge, reports of waves breaking in the town's main street mirrored the destructive force. The aftermath witnessed widespread damage, with 1300 out of 1400 houses in Mackay destroyed or severely affected, and a tragic toll of thirty lives lost.
Less than two months later, on March 10, a more formidable category 5 cyclone struck Innisfail. Such was the devastation, that only 12 buildings are reported to have remained standing after the cyclone. In the nearby settlements of Mission Beach and Bingil Bay every single structure was destroyed and massive storm surges and a tidal wave were reported.
Beirne Mackay Limited hangs its manchester supplies out to dry, and the Commercial Banking Company of Sydney does likewise with the carpets, after the cyclone
Damage and debris in River Street, Mackay

As a cyclone brews in the Coral Sea, Ergon Energy Network is urging North Queenslanders to be prepared for power outages and prioritise electrical safety.
General Manager Field Delivery Northern Chris Hooper said recent severe weather events were a reminder of what to expect and plan for.
“We can start to see the impacts of a cyclone well before it crosses the coast as winds pick up and bring down trees, branches and other debris into powerlines, so you should be prepared for prolonged power interruptions.
“Storm surges and flooding also have the potential to impact the underground power network.
“Cyclone Jasper demonstrated how severe and widespread the damage to infrastructure can be and how long repairs can take, so it pays to be prepared for the worst-case scenario.
“Think about how your household can function without power for a week or more and get your storm kit ready, especially if you rely on powered medical equipment,” he said.
Mr Hooper said Ergon crews would be ready to roll as soon as weather conditions allowed, but flooding was likely to impede access to some sites and delay damage assessment, network repairs and power restoration.
“The unpredictable nature of cyclones means that we are always prepared for a range of scenarios, and we have crews, vehicles and equipment on standby in strategic locations to ensure we are ready to respond when and where we are required.
“Queenslanders can rest assured we’ve got their back as we’ve shown time after time when natural disasters strike, but this is an unpredictable event and the best thing you can do is be as prepared as possible on the home front.
“Safety remains our number one priority and we encourage everyone to check out our tips for staying safe in severe weather before the cyclone hits,” Mr Hooper said.
Visit www.ergon.com.au/network/safety/incidents-and-emergencies/keeping-safe-in-severe-weather for tips on how to stay safe in severe weather.
Some of the damage caused by TC Jasper. Photo credit: Ergon Energy

Grab your boardies and thongs and get ready to celebrate Australia Day at a council supported community event!
The Aussie themed events will take place on Australia Day, 2024 (Friday, January 26) at twelve different locations around the region. From barefoot bowls and live music at Seaforth to beach games and races at Armstrong Beach, there's something for the whole family to enjoy.
For more information and event organiser contact details, see the list of events below.
**Please note, these events were current at time of print, adverse weather conditions may change or cancel events, please check with event organisers if you are unsure.
AUSTRALIA DAY CITIZENSHIP CEREMONY
Hosted by: Mackay Regional Council
When: 10am, Friday, January 26 (registration opens at 9am)
Where: MECC auditorium
What's happening: Mayor Greg Williamson will welcome more than 90 new citizens at the MECC. Please note this event is invite only.
For more information, call 1300 MACKAY (622 529).
AUSTRALIA DAY AT ARMSTRONG BEACH
Hosted by: Armstrong Beach Area Progress Association
When: 11am - 5pm, Friday, January 26
Where: Llewellyn Hall, 252 Armstrong Beach Rd, Armstrong Beach
What’s happening: Enjoy a true-blue family fun day including free water slide, egg and spoon races, sack races, tug of war, thong throwing, cricket, darts, jumbo water slide, music and BBQ.
For more information, call 0439 716 654 or email armstrongbeach@gmail.com.
AUSSIE DAY AT EIMEO BEACH
Hosted by: Eimeo Surf Life Saving Club
When: 3pm - 9pm, Friday, January 26
Where: Eimeo Beach, near Eimeo Surf Life Saving Club
What’s happening: Activities will include family sand castle competition, vegemite face painting competition, thong throwing, prizes, beach cricket and music.
For more information, call 4969 6680 or email eimeoslsclub@bigpond.com.
AUSSIE DAY MACKAY BEACH PARTY
Hosted by: Mackay Surf Lifesaving Club
When: 10:30am - 2:30pm, Friday, January 26
Where: Mackay Surf Lifesaving Club, Harbour Beach, Mackay Harbour
What’s happening: Dive into Australia Day and bring the kids to this amazing Aussie themed event with live music, beach volleyball and beach cricket, tug of war, thong throwing competition and more! Food and drinks available to purchase from the Club beach café. Please note - some activities and games will be subject to the weather and sand conditions on the day.
For more information, email functions@mslscsupporters.net.au.
AUSSIE DAY AT GRASSTREE BEACH
Hosted by: Grasstree Beach Progress Association
When: 4pm - 6pm, Friday, January 26
Where: Grasstree Beach foreshore
What’s happening: Get your vitamin sea at this ripper Aussie Day event at Grasstree Beach foreshore. Activities will include thong throwing, egg and spoon, wheelbarrow and sack races, community share table of veges, herbs, plants and crafts, bush music and a free BBQ.
For more information, email gtbprogress@outlook.com.
AUSTRALIA DAY SCOUTS OPEN DAY
Hosted by: Banksia Scout Group
When: 10am - 2pm, Friday, January 26
Where: Banksia Scout Den, Jaycee Park, Corner of Fernleigh Ave and Bedford Rd, Andergrove
What’s happening: Parents bring a chair and enjoy the shade of the trees while the kids have some fun this Australia Day. Activities will include rope bridge, low ropes course, crate stacking, soft archery, damper cooking and more! Sausage sizzle and drinks available for purchase.
For more information, call Katrina 0410 455 615, visit www.facebook.com/BanksiaScoutGroup.or email gl@banksia.scoutsqld.com.au.
AUSTRALIA DAY THE HABANA WAY
Hosted by: Habana and Districts Progress Association
When: 3pm - 7pm, Friday, January 26
Where: Habana Community Precinct, 1091 Mackay-Habana Rd
What’s happening: Community picnic (BYO) and traditional Australia Day activities including sand castle building on our "borrowed" beach, backyard cricket, inflatable water play, lamington eating competition, tug-of-war and thong throwing. Food and drinks will be available for sale. Find out about local groups you can join while at the event including craft, rural fire and Tai Chi. Habana community spirit award announced at the event.
For more information, visit Habana Progress Association's Facebook page or call Palmina on 0403 729 505.
EUNGELLA GRASS ROOTS BBQ
Hosted by: Eungella Community Development Association
When: 3pm - 10pm, Friday, January 26
Where: Eungella Community Hall
What’s happening: This fair dinkum Aussie Day event has something for the whole family. Activities will include face painting, water play area, backyard cricket, thong throwing, twilight markets, American style BBQ and live music.
For more information, email ecda@eungella.com.au.
GO OZ WITH LAWN BOWLS
Hosted by: Mackay Bowling Club
When: noon - 4:30pm, Friday, January 26
Where: Mackay Bowling Club, Nebo Road, Mackay
What’s happening: Join in the fun at this free community event in the CBD. Starting with an Aussie lunch at noon, then for the inexperienced bowler join us for some three bowls triples with cash prizes up for grabs. Afternoon recess will include lamingtons with tea and coffee. To RSVP for any of these events please phone Mackay Bowling Club on 4957 3571.
For more information, email mkybowls@hotmail.com.
MACKAY CONTRACT BRIDGE OPEN DAY
Hosted by: Mackay Contract Bridge
When: 10am - 3pm, Friday, January 26
Where: Mackay Contract Bridge Club House, 414 Shakespeare St, West Mackay
What’s happening: Fun introduction to the game of contract bridge including lessons and demonstration. BBQ lunch will be provided with soft drinks, tea and coffee. Come along and meet the team!
For more information, email mcbc@mackaybridgeclub.org.au.
SARINA BOWLS CLUB SOCIAL AUSSIE DAY EVENT
Hosted by: Sarina Bowls Club
When: 1pm - 3:30pm, Friday, January 26
Where: Sarina Bowls Club, 1 Patroyce Ct, Sarina
What’s happening: Celebrate Australia Day in style at Sarina Bowls Club with a relaxing afternoon of social bowls. The event will include a BBQ, damper, lamingtons and a tea and coffee station. There will also be prizes for best dressed and bowls winners.
For more information, email sarinabowlsclub@outlook.com.
SEAFORTH AUSSIE DAY EVENT
Hosted by: Seaforth Bowls Club
When: noon till late, Friday, January 26
Where: Seaforth Bowls Club, Walsh Avenue, Seaforth
What’s happening: Join in the fun this Australia Day at Seaforth Bowls Club with barefoot bowls, live entertainment, thong throwing competitions and a free afternoon sausage sizzle. There will also be a water slide for the kids from noon to 4pm and the live band will play from 2pm - 5:30pm.
For more information, email admin@seaforthbowlsclubqld.com.au.
ST HELENS BEACH AUSTRALIA DAY CELEBRATION
Hosted by: St Helens Beach Progress and Environment Association Inc.
When: 9am - 4pm, Friday, January 26
Where: Repulse Esplanade, St Helens Beach
What’s happening: Activities will include live music, face painting, vintage tractor display and competitions including sandcastle building, Aussie trivia, tug of war and cast net throwing. There will also be a sausage sizzle thanks to Calen Butchers.
For more information, Call 0499 013 016 or email boatramp4798@gmail.com.

Wet weather provides a perfect excuse for a game of cards and Mackay Contract Bridge Club are inviting visitors to come and learn the game of bridge on Australia Day.
While members will be playing their regular bridge, the Come and Try Day invites guests to come and watch, learn how the game is played and even pick up some cards and have a go.
Joy Block and her husband have been playing bridge for two years and still consider themselves beginners, saying the club has been very welcoming.
“It’s very challenging, it keeps your mind going,” Ms Block said.
“We’re a very friendly club, lots of lovely people there.
“If you love cards, you’ll just love bridge, but it is challenging, it’s not an easy game, you have to be persistent.”
People of all ages are welcome to participate, with the club’s youngest member being 10 years old.
“It probably helps if you’ve played cards of some description before, but you don’t need to have any specific knowledge because it’s different to any game that anybody’s probably played,” Ms Block said.
A free morning tea and sausage sizzle will also be on offer thanks to sponsorship from the Mackay Regional Council.
For more information, email mcbc@mackaybridgeclub.org.au or call Anne on 0439 436 533.
WHAT: Mackay Contract Bridge Club Come and Try Day
WHERE: 414 Shakespeare Street, West Mackay
WHEN: Friday, January 26 from 10:00am to 2:00pm
Mackay Contract Bridge Club invites visitors to come and try bridge this Australia Day

In a significant move for Mackay Basketball, former Team MVP and All-League member Emmanuel Malou is set to rejoin the McDonald's Mackay Meteors for the upcoming 2024 NBL1 season. Expressing his happiness about returning to the Meteors, Manny stated, "I'm happy to be going back to the Mack, very excited to play in front of the home fans again and can't wait to get the ball rolling with our new squad."
Standing tall at 6’9, the versatile forward had an outstanding season with the Meteors in 2021, earning accolades such as MVP, NBL1 All Star Five, and NBL1 North Champion. Born in Kenya and raised in Victoria, Manny's basketball journey took him to the United States for junior college experience, and later, he represented the South Sudanese national team at various international tournaments.
Manny's stellar performance in the NBL1 North showcased his prowess, averaging 19.5 points, 7 rebounds, and 1.6 blocks per game. His remarkable efficiency included a 54 per cent shooting accuracy from the field, 40.7 per cent from beyond the arc, and an impressive 87 per cent from the free-throw line.
Known for his dedication to the game and physical conditioning, Manny is a valuable addition to the Meteors' roster, and the team is eagerly anticipating his contribution in the 2024 season.

Team Greg Williamson has this week announced its highly skilled lineup of candidates for the upcoming 2024 local government election, with the dynamic team expected to bring fresh perspectives and innovative solutions to the forefront of Mackay Regional Council.
Officially referred to as ‘Team Greg Williamson – For Our Region’, the group of eight candidates consists of Mayor Greg Williamson, Stephen Cutting, Peter Freeleagus, Cr. Michelle Green, Ash-Lee Johnson, Cr. Karen May, Joshua Thornton, and Neil Wallace.
Incumbent Mayor of Mackay Regional Council, Greg Williamson said that the team had the vision to take all residents forward to a brighter future, and the experience to deliver on promises and create a progressive, modern council.
“I’m immensely proud of the team we’ve brought together, and believe we cover a wide cross section of the community with the diversity and talent to represent all. I have faith in our ability to work constructively as a united front to achieve timely outcomes for our region,” Mayor Williamson said.
Eight candidates for the 2024Mackay Regional Council local election have aligned as Team GregWilliamson – For Our Region. L-R: Stephen Cutting, Joshua Thornton,Cr. Michelle Green, Neil Wallace, Mayor Greg Williamson, Cr. Karen May, Ash-Lee Johnson and Peter Freeleagus
With representation across all 42 communities that make up the 7,600 square kilometres of the thriving Mackay Region, the team has a proven track record of providing strategies and planning to deliver projects that both sustain and advance the region to positively impact all communities.
“Community is at the heart of everything we do and all candidates offer safe and steady hands to guide our region through ever changing landscapes. My team will be focused on listening to the community on all aspects to form strategy, policy and deliver equitable outcomes over this next term,” Mayor Williamson said.
He said that the team would continue responsible financial management practices of the previous council and oversee the sustainable position of the $170M bank balance, borrowings of $60M and the requirement for coverage of 3 months of operational spending ($30m / Year).
“It’s vital that we continue moving forward and building on the progress made over the past few years.
“I’m also committed to following through on the projects I’ve helped bring to fruition, including the upcoming stages of the Mackay Waterfront and the Pioneer Valley Mountain Bike Trails.
“My team understand the rates and income basis for funding maintenance, community facilities, local infrastructure and improvement projects and the importance of ongoing growth to support operational and capital budgets.
“While also making considered and well-informed decisions and advocating on behalf of our constituents to address cost of living pressures that the council can influence,” Mayor Williamson said.
With their focus on positive and sustainable community outcomes, the team would be working collaboratively with State and Federal Government agencies to ensure grant funding, regional royalties, and contributions to community programs.
“As I reflect on the achievements of the past two terms, I am humbled by the progress we've made together. However, my commitment to the Mackay Region remains unwavering, and I am eager to embrace numerous opportunities that lie ahead. Together, we can continue to strengthen our community, ensuring its resilience, prosperity, and sustainability for current and future generations,” Mayor Williamson said.
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Meet The Candidates
Mayor Greg Williamson: A fifth generation Mackay local, Greg has an unmistakable passion and enthusiasm for the region he has always called home. Currently serving his third term as elected mayor of the Mackay Regional Council, Greg brings several decades experience in the business, political, community, and defence industries. His focus is on continuing to deliver on projects and improve liveability and livelihood for residents and local businesses.
Stephen Cutting: With a genuine desire to serve the community and a career as a Professional Engineer and Consultant spanning over 40 years, Stephen will foster the harmonious alignment and professional operations of the Council team. He hopes to contribute to advancing the region for all residents by ensuring that facilities and services across the Mackay Region provide safe, sustainable, and liveable communities, where social amenities are provided for all.
Peter Freeleagus: Peter has spent many decades in the Central Queensland (CQ) Mining Industry, while at the same time, holding positions within Local Government including Councillor, Deputy Mayor and Mayor of the Belyando Shire Council and Councillor of the Isaac Council. He is passionate about everything the Mackay region has to offer and opportunities for future generations.
Cr. Michelle Green: Michelle was raised in Mackay’s Northern Beaches and was successfully elected as a Councillor in the 2020 election. She is a qualified Exercise Physiologist and has held leadership and training roles in the coal mining industry and was awarded the ‘Operator of the Year Award’ in the QLD Women in Mining Awards. She is a future-forward strategic thinker and is motivated to foster community and economic co-development and diversity and embrace jobs of the future.
Ash-Lee Johnson: Having worked with the Mackay Regional Council for the past nine years, Ash-Lee has extensive experience within management accounting, revenue, and treasury including financial governance and council’s investment portfolio. She is passionate about bridging generational gaps and eager to create a more sustainable and diversified regional economy, including within youth development and retention.
Cr. Karen May: Current Deputy Mayor, Councillor, and Mayor of the former Sarina Shire Council, Karen has extensive experience working within local government and 27 years as a business owner. A passionate community advocate, she dedicates her time and energy to supporting matters affecting community, residents, and organisations. She is passionate about the community’s social and economic development, and the sustainability of the Mackay Region.
Joshua Thornton: With qualifications in law and politics, Joshua is a dedicated advocate for the working people and businesses particularly through his various roles in the trade union movement. He’s committed to supporting the growth strategy of areas such as the Northern Beaches to ensure that opportunities and challenges are capitalised on for current and future residents. He is particularly focused on the liveability of the region for growing families.
Neil Wallace: Having spent 40 years in the insurance industry and many decades in community roles, Neil is a community-minded and compassionate candidate. His ethos of giving back to the community through service is evident in his active roles within Kutta Mulla Gorinna Special Assistance School, Rotary Club of Mackay North, Rotary Youth Driver Awareness program & Days for Girls. He is a strong advocate for organisations and creating sustainable change on a community level.
For more information about Team Greg Williamson, please visit the website www.teamgregwilliamson.com or the Facebook page.
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