{"id":22400,"date":"2018-09-10T01:00:03","date_gmt":"2018-09-09T15:00:03","guid":{"rendered":"https:\/\/realestatetalk.com.au\/?p=22400"},"modified":"2018-09-10T01:00:03","modified_gmt":"2018-09-09T15:00:03","slug":"warning-to-strata-title-buyers-grant-mifsud","status":"publish","type":"post","link":"https:\/\/channels.realty.com.au\/realtytalk\/warning-to-strata-title-buyers-grant-mifsud\/","title":{"rendered":"Warning to strata title buyers \u2013 Grant Mifsud"},"content":{"rendered":"

If you’re looking at purchasing a strata title apartment or a townhouse, you should carefully examine the costs of levies connected with maintaining the property. Why \u2013 well, we will tell you as strata title expert Grant Mifsud<\/strong> joins us to outline the reasons.<\/p>\n

Transcript:<\/strong><\/p>\n

Kevin Turner:\u00a0<\/strong>If you\u2019re looking at purchasing a strata title apartment or a townhouse, you should carefully examine the costs of levies connected with maintaining the property. That\u2019s according to Archers Strata Professionals.\u00a0 Joining me from Archers, Grant Mifsud. Grant, thank you very much for your time. Tell me what we can learn or what we need to be aware of with these levies<\/p>\n

Grant Mifsud:\u00a0<\/strong>Hi, Kevin. Thanks for having me on. I suppose that there\u2019s different levels of understanding when it comes to purchasing a property as to what the outgoings are, but then there\u2019s more detail when it comes to a strata property, because there\u2019s levies associated with it. Essentially everybody that is an owner of one of those units has part of what\u2019s called the common property, and that\u2019s where you\u2019ve got the lifts, you\u2019ve got the outside of the building, you\u2019ve got a pool or whatever it may be, so the biggest thing is to do your due diligence before you\u2019re committing to purchasing that property and knowing what your outgoings are going to be.<\/p>\n

Kevin Turner:\u00a0<\/strong>Okay. There\u2019s two different types, though, aren\u2019t there? There\u2019s the sinking fund. Could you just explain to us what the costs are and how we should check on them?<\/p>\n

Grant Mifsud:\u00a0<\/strong>Yeah. So, you\u2019ve got the everyday running cost of the building where you\u2019ve got someone that does the lawns and gardens. You\u2019ve got your annual cost for insurance, pools, those sorts of things, but then there\u2019s also, as you mentioned, the sinking fund. That\u2019s your long-term fund where you\u2019re putting money aside for the future capital costs of replacing things. Like it might be a lift refurbishment, or painting the building is a common one. So, what we do see is those levies at times can be kept low, or understated, which ends up in a problem for the current owners or the future owners, because that fund doesn\u2019t have enough money when it comes to paying for the painting or whatever it may be that\u2019s needed.<\/p>\n

Kevin Turner:\u00a0<\/strong>I can imagine, like on a new block, you probably wouldn\u2019t require much of a sinking fund. How soon after building does the sinking fund have to be established so everyone knows what they\u2019re going to be paying into it?<\/p>\n

Grant Mifsud:\u00a0<\/strong>Yeah. Great question. So, when you\u2019re buying a new block, there\u2019s a requirement to disclose what the future outgoings are going to be, but the body corporate legislation doesn\u2019t require that you actually have a written forecast, which is done by a quantity surveyor or professional that goes out and surveys the property and puts costs to each of those items. But that forecast is required to plan ahead for the spending for the next 10 years\u2019 worth of costs, so essentially you start putting a little bit away for those costs that are going to be in the next 10-year period and beyond.<\/p>\n

Kevin Turner:\u00a0<\/strong>I imagine it would be difficult too, because no two blocks are the same. There could be different construction, even different rooves that might require particular care. I\u2019m thinking of some of the flat-roofed buildings, particularly down in New South Wales and areas like that where they do actually have a lot of trouble with leaking.<\/p>\n

Grant Mifsud:\u00a0<\/strong>Yeah, yeah, and the leaking\u2019s one thing, so that\u2019s more of a general maintenance issue, but then when you\u2019ve got replacement costs, and realistically, that professional you get out to do a physical inspection of the building, they\u2019re going to have a look at that roof and see if it\u2019s, \u201cOkay, you\u2019re having chronic leaks. You\u2019re eventually going to have to replace this thing. Let\u2019s put aside some money in your forecasting or how much you need to put aside on an annual basis so that when we get to two years or three years, whatever it may be, you need to replace the whole thing, you\u2019re going to have enough money.\u201d<\/p>\n

Kevin Turner:\u00a0<\/strong>When you say that leaking is a maintenance problem, it\u2019s something that should be forecast and therefore the money put into the sinking fund. Am I reading that wrong?<\/p>\n

Grant Mifsud:\u00a0<\/strong>Well, not exactly put into the sinking fund, because if you know it\u2019s going to happen or it\u2019s happening, that\u2019s more of an administration cost, so it\u2019s general repairs and maintenance. The sinking fund is more for your capital replacement items, so long-term deterioration before it gets to that point where the water is going to be coming through the roof and damaging the rest of the building. If it gets to that point, you\u2019d need to just replace the thing so you should have money put aside.<\/p>\n

Kevin Turner:\u00a0<\/strong>If the money\u2019s not put aside, that\u2019s when there could be a special call for a levy.<\/p>\n

Grant Mifsud:\u00a0<\/strong>Yeah, well, that\u2019s a bit of a dirty word in strata, special levies. Nobody likes them, because what-<\/p>\n

Kevin Turner:\u00a0<\/strong>But, you know, I tell you what, we see them happen quite often, don\u2019t we? Is that just bad planning?<\/p>\n

Grant Mifsud:\u00a0<\/strong>Yes, it is. Effectively, it\u2019s just bad planning where you haven\u2019t done your due diligence when you\u2019ve bought in. or the strata committee that\u2019s running it has been understating what the levies are when they have a fair idea or having got a professional in to get what the reality is of what they\u2019re going to need for roof replacement, say.<\/p>\n

Kevin Turner:\u00a0<\/strong>You mentioned calling in a quantity surveyor. I\u2019m just wondering, at the time of purchase, if I\u2019m buying an older-style unit, it\u2019s one thing to get the body corporate disclosures, but then should I be checking to see if the amount that\u2019s in the fund is going to be sufficient? Should I be getting a building and inspection report or some sort of quantity surveyor\u2019s report?<\/p>\n

Grant Mifsud:\u00a0<\/strong>What you should be doing is getting a record search completed, so this is going to lead into a few different areas, but one area in particular is to search the records to see if there is a quantity surveyor\u2019s report on record. And then once you get a copy of that report, you can compare it to every year it says what the fund should have in it, and then you can look at what the actual fund is for the sinking fund and what it states in the sinking fund forecast, if indeed there is one, and if that\u2019s out of kilter, you know that there\u2019s going to be a problem.<\/p>\n

Kevin Turner:\u00a0<\/strong>Yeah. Good warning here for anyone buying a unit, is you get a body corporate search done, but unless it goes back far enough and is thorough enough, it may not disclose some of these things.<\/p>\n

Grant Mifsud:\u00a0<\/strong>That\u2019s right, so the advice that we would always suggest for a potential purchaser is to engage professionals to do that search, because they\u2019re the ones that are looking at the records on a day-to-day basis. It\u2019s not just the funds that they\u2019re looking for. There\u2019s a lot of other areas, but when it particularly comes to the funds, they know what to look for with this sinking fund forecast, and then they\u2019re going to give you a report to say, \u201cWell, your forecast in the end of 2018 should have, say, $500,000 in it, but the reality is, it\u2019s only got $250,000\u00a0 in it.\u201d This is an area that needs to be investigated further.<\/p>\n

Kevin Turner:\u00a0<\/strong>Very timely. Very good warnings there too. Grant, thank you very much. Grant is from Archers Strata Professionals. Thanks very much for your time, Grant.<\/p>\n

Grant Mifsud:\u00a0<\/strong>Thank you, Kevin.<\/p>\n","protected":false},"excerpt":{"rendered":"

If you’re looking at purchasing a strata title apartment or a townhouse, you should carefully examine the costs of levies connected with maintaining the property. Why \u2013 well, we will tell you as strata title expert Grant Mifsud joins us to outline the reasons. Transcript:…<\/p>\n","protected":false},"author":176692473,"featured_media":22526,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[32,33,34,10,11,13,36,25],"tags":[101],"class_list":["post-22400","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-a-property-topic","category-case-studies-topic","category-finance-topic","category-kevin-turner-sponsored-channels","category-kevin-update","category-latest-story","category-property-investment-topic","category-sponsored-channels","tag-podcast"],"yoast_head":"\nWarning to strata title buyers \u2013 Grant Mifsud - Realty Talk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/channels.realty.com.au\/realtytalk\/warning-to-strata-title-buyers-grant-mifsud\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Warning to strata title buyers \u2013 Grant Mifsud - Realty Talk\" \/>\n<meta property=\"og:description\" content=\"If you’re looking at purchasing a strata title apartment or a townhouse, you should carefully examine the costs of levies connected with maintaining the property. Why \u2013 well, we will tell you as strata title expert Grant Mifsud joins us to outline the reasons. Transcript:...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/channels.realty.com.au\/realtytalk\/warning-to-strata-title-buyers-grant-mifsud\/\" \/>\n<meta property=\"og:site_name\" content=\"Realty Talk\" \/>\n<meta property=\"article:published_time\" content=\"2018-09-09T15:00:03+00:00\" \/>\n<meta name=\"author\" content=\"Kevin Turner\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kevin Turner\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/warning-to-strata-title-buyers-grant-mifsud\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/warning-to-strata-title-buyers-grant-mifsud\\\/\"},\"author\":{\"name\":\"Kevin Turner\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#\\\/schema\\\/person\\\/ae5a3b5e891767bd82ad3a068c514329\"},\"headline\":\"Warning to strata title buyers \u2013 Grant Mifsud\",\"datePublished\":\"2018-09-09T15:00:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/warning-to-strata-title-buyers-grant-mifsud\\\/\"},\"wordCount\":1390,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/warning-to-strata-title-buyers-grant-mifsud\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"keywords\":[\"podcast\"],\"articleSection\":[\"Buying a property\",\"Case Studies\",\"Finance\",\"Kevin Turner\",\"Kevin's Update\",\"Latest Stories\",\"Property Investment\",\"Sponsored Channels\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/warning-to-strata-title-buyers-grant-mifsud\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/warning-to-strata-title-buyers-grant-mifsud\\\/\",\"url\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/warning-to-strata-title-buyers-grant-mifsud\\\/\",\"name\":\"Warning to strata title buyers \u2013 Grant Mifsud - Realty Talk\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/warning-to-strata-title-buyers-grant-mifsud\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/warning-to-strata-title-buyers-grant-mifsud\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2018-09-09T15:00:03+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#\\\/schema\\\/person\\\/ae5a3b5e891767bd82ad3a068c514329\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/warning-to-strata-title-buyers-grant-mifsud\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/warning-to-strata-title-buyers-grant-mifsud\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/warning-to-strata-title-buyers-grant-mifsud\\\/#primaryimage\",\"url\":\"\",\"contentUrl\":\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/warning-to-strata-title-buyers-grant-mifsud\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Warning to strata title buyers \u2013 Grant Mifsud\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#website\",\"url\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/\",\"name\":\"Realty Talk\",\"description\":\"Your Trusted Voice For Property Investing. Anywhere, Anytime.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#\\\/schema\\\/person\\\/ae5a3b5e891767bd82ad3a068c514329\",\"name\":\"Kevin Turner\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/d2d83fe833d0cb22c11728d9aa25f73b319e658b72509553eff8680404d8bfa7?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/d2d83fe833d0cb22c11728d9aa25f73b319e658b72509553eff8680404d8bfa7?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/d2d83fe833d0cb22c11728d9aa25f73b319e658b72509553eff8680404d8bfa7?s=96&d=mm&r=g\",\"caption\":\"Kevin Turner\"},\"url\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/author\\\/kevin-turner\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Warning to strata title buyers \u2013 Grant Mifsud - Realty Talk","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/channels.realty.com.au\/realtytalk\/warning-to-strata-title-buyers-grant-mifsud\/","og_locale":"en_US","og_type":"article","og_title":"Warning to strata title buyers \u2013 Grant Mifsud - Realty Talk","og_description":"If you’re looking at purchasing a strata title apartment or a townhouse, you should carefully examine the costs of levies connected with maintaining the property. Why \u2013 well, we will tell you as strata title expert Grant Mifsud joins us to outline the reasons. Transcript:...","og_url":"https:\/\/channels.realty.com.au\/realtytalk\/warning-to-strata-title-buyers-grant-mifsud\/","og_site_name":"Realty Talk","article_published_time":"2018-09-09T15:00:03+00:00","author":"Kevin Turner","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Kevin Turner","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/channels.realty.com.au\/realtytalk\/warning-to-strata-title-buyers-grant-mifsud\/#article","isPartOf":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/warning-to-strata-title-buyers-grant-mifsud\/"},"author":{"name":"Kevin Turner","@id":"https:\/\/channels.realty.com.au\/realtytalk\/#\/schema\/person\/ae5a3b5e891767bd82ad3a068c514329"},"headline":"Warning to strata title buyers \u2013 Grant Mifsud","datePublished":"2018-09-09T15:00:03+00:00","mainEntityOfPage":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/warning-to-strata-title-buyers-grant-mifsud\/"},"wordCount":1390,"commentCount":0,"image":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/warning-to-strata-title-buyers-grant-mifsud\/#primaryimage"},"thumbnailUrl":"","keywords":["podcast"],"articleSection":["Buying a property","Case Studies","Finance","Kevin Turner","Kevin's Update","Latest Stories","Property Investment","Sponsored Channels"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/channels.realty.com.au\/realtytalk\/warning-to-strata-title-buyers-grant-mifsud\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/channels.realty.com.au\/realtytalk\/warning-to-strata-title-buyers-grant-mifsud\/","url":"https:\/\/channels.realty.com.au\/realtytalk\/warning-to-strata-title-buyers-grant-mifsud\/","name":"Warning to strata title buyers \u2013 Grant Mifsud - Realty Talk","isPartOf":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/#website"},"primaryImageOfPage":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/warning-to-strata-title-buyers-grant-mifsud\/#primaryimage"},"image":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/warning-to-strata-title-buyers-grant-mifsud\/#primaryimage"},"thumbnailUrl":"","datePublished":"2018-09-09T15:00:03+00:00","author":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/#\/schema\/person\/ae5a3b5e891767bd82ad3a068c514329"},"breadcrumb":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/warning-to-strata-title-buyers-grant-mifsud\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/channels.realty.com.au\/realtytalk\/warning-to-strata-title-buyers-grant-mifsud\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/channels.realty.com.au\/realtytalk\/warning-to-strata-title-buyers-grant-mifsud\/#primaryimage","url":"","contentUrl":""},{"@type":"BreadcrumbList","@id":"https:\/\/channels.realty.com.au\/realtytalk\/warning-to-strata-title-buyers-grant-mifsud\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/channels.realty.com.au\/realtytalk\/"},{"@type":"ListItem","position":2,"name":"Warning to strata title buyers \u2013 Grant Mifsud"}]},{"@type":"WebSite","@id":"https:\/\/channels.realty.com.au\/realtytalk\/#website","url":"https:\/\/channels.realty.com.au\/realtytalk\/","name":"Realty Talk","description":"Your Trusted Voice For Property Investing. Anywhere, Anytime.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/channels.realty.com.au\/realtytalk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/channels.realty.com.au\/realtytalk\/#\/schema\/person\/ae5a3b5e891767bd82ad3a068c514329","name":"Kevin Turner","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/d2d83fe833d0cb22c11728d9aa25f73b319e658b72509553eff8680404d8bfa7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d2d83fe833d0cb22c11728d9aa25f73b319e658b72509553eff8680404d8bfa7?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/d2d83fe833d0cb22c11728d9aa25f73b319e658b72509553eff8680404d8bfa7?s=96&d=mm&r=g","caption":"Kevin Turner"},"url":"https:\/\/channels.realty.com.au\/realtytalk\/author\/kevin-turner\/"}]}},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/posts\/22400","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/users\/176692473"}],"replies":[{"embeddable":true,"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/comments?post=22400"}],"version-history":[{"count":0,"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/posts\/22400\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/media?parent=22400"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/categories?post=22400"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/tags?post=22400"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}