November saw homeowners slugged with a fifth rate hike in just 10 months.

And, not surprisingly, plenty of talk has been centred around managing higher home loan repayments.

But here’s the thing.

You may have other types of debts with far higher interest rates.

Let’s look at how your mortgage has the potential to help you ride out these tough times through a strategy known as ‘debt consolidation’.

What is debt consolidation?

Debt consolidation is the process of combining multiple separate debts – such as credit card balances, a car loan, maybe a store card or two, or a personal loan – into one single low-rate loan.

Instead of juggling multiple payments, you only make one regular payment to one lender.

In this way, debt consolidation can streamline your finances.

There is one potential downside, in particular, to weigh up though.

Extending your repayment period, on say a car loan, through debt consolidation can lower your monthly repayments, but it can also increase the total amount of interest and fees you pay over the life of the loan.

That’s why it’s important to talk to us – we can help you crunch the numbers and give you tips on repaying the loan faster.

How debt consolidation could help you right now

Home loan rates have climbed by about 1.25% since February.

That’s taken the average variable mortgage rate to 7.14%.

Even so, this is likely to be far less than the rates you’re paying on other types of debt.

As a guide, the average credit card rate is 18.63%.

Store cards can have an even higher interest rate, with the average a thumping 21.99%.

The average personal loan rate is 13.87%.

By folding high-interest debts into your lower-rate home loan, it may be possible to significantly reduce your total monthly repayment amount.

You may also be able to save on your home loan rate

It may be possible to arrange a home loan top-up in order to consolidate your debts.

However, a debt consolidation strategy should generally be a cue to review your old loan.

You could find that refinancing to a new loan and lender lets you save on your mortgage rate, potentially further boosting the savings of debt consolidation.

For example, new home loan customers of the major banks can pay 0.30% to 0.50% less than existing customers, according to Mozo.

Refinancing to a smaller lender may also offer opportunities to lower your home loan rate.

The point is, the potential savings of refinancing together with the benefits of debt consolidation could take the pressure off your household budget.

Talk to us about the potential savings of refinancing, and whether it is an option available to you.

An opportunity to reset your finances

In practical terms, debt consolidation can often be a 3-step process:

1. Switch to a new home loan with a balance large enough to cover all your other debts.

2. Pay off old debts using the funds from the new loan.

3. Repay the single loan, making just one monthly, fortnightly, or weekly home loan repayment.

It’s worth noting once more though that folding short-term debts (such as a personal loan and credit card balance) into a long term debt (your home loan) can mean paying more in interest over time.

That’s why it’s so important to have a clear repayment strategy.

Using the interest savings provided by debt consolidation to pay a bit extra off your home loan each month, can help ensure you don’t pay more interest than necessary in the long run.

Talk to us about debt consolidation

With the cost of everyday living continuing to put pressure on household budgets, finding ways to save on interest costs is more important than ever.

Call us to explore your options, and find out whether using your home loan to consolidate debt could help you through these tricky times.

Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to your circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.

When it comes to life goals, they don’t come much bigger than buying a first home.

And while getting started on the property ladder has become more challenging in recent years, a survey by customer-owned bank NGM Group confirms it’s a goal Australians continue to strongly reach for.

What is changing, is the way first homebuyers are getting started in the market.

The Commonwealth Bank recently looked at its lending data to understand what first homebuyers are doing differently as they rethink their path to property.

It turns out they’re embracing three key strategies – and some of them could work for you.

1. More first homebuyers are choosing apartments

Apartments made up close to half (44%) of all first home purchases in 2025-26, up from one in three (32%) five years earlier.

Conversely, the share of first homebuyers purchasing houses has dropped 13% to 55%.

Apartment buying is a strategy that can make sense financially.

The median apartment value of $738,778 across our state capitals is $364,423 less than the median house value of $1,103,201. 

That’s a big difference in affordability.

Talk to us to know what you can afford – an apartment may fit comfortably within your buying budget.

2.  First homebuyers are looking further afield

A growing number of first homebuyers are opting to buy in regional areas.

First home purchases outside the big cities rose from 20% to 23% in 2025-26, according to CommBank.

Here too, the appeal may lie with more affordable prices.

The median home value across Australia’s regional markets is $718,000, compared to $973,000 across the capital cities.

Paying less, can also mean borrowing less.

The average regional first homebuyer mortgage is about 17% lower than in metro areas ($503,000 in regional versus $608,000 in metro markets).

The good news is that no matter where you choose to buy – regional or metro – we can help you find a home loan that matches your needs.

3. Joining forces with friends or family

Another emerging trend is buying a first home with mates or relatives.

Around one in two (56%) aspiring owners are joining financial forces with a partner, friend or family member to get a foot on the property ladder.

There has also been a rise in siblings co-buying a first home, NAB has reported.

It’s a strategy that may give you the borrowing power needed to buy a better home, or in a more desirable suburb.

Talk to us about the different loan options available to co-buyers.

Support schemes still available for first homebuyers

Along with these strategies, it’s worth remembering that a variety of initiatives are still available to help first-time buyers get started on the property ladder.

From the First Home Super Saver Scheme to the 5% Deposit Scheme and First Home Owner Grant, you could be eligible for some, or all of them.

Call us to discuss what strategies you may be able to use to buy a place of your own.

Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to your circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.

Today’s homebuyers have a chance to enjoy a rare double win – the savings of lower property prices in many areas, coupled with seller discounts (below the original asking price) averaging 4.4% across our state capitals.

On today’s median capital city home value of $973,525, a 4.4% discount could see buyers save around $42,835 on a home purchase.

A discount on your home’s purchase price could also mean paying less stamp duty, plus the potential savings of lower monthly repayments on a smaller home loan.

Why are sellers offering bigger discounts?

This time last year, homes across our state capitals were selling for discounts averaging around 2.9%  according to Cotality.

But, in what is fast shaping up as a buyers’ market, many sellers are prepared to knock more off their property’s asking price in order to secure a sale.

That’s seen the typical capital city discount jump to 4.4% – the highest in five years.

Where are buyers scoring the best discounts?

Homebuyers in Sydney and Perth are landing the biggest discounts nationally, of about 4.8%, says Cotality.

In Brisbane, homes are typically selling for 4.7% less than the original asking price.

Discounting is still sharp in other capitals including Canberra (4.0%), Adelaide (3.9%), and Darwin and Melbourne (both 3.8%).

In Hobart, buyers are negotiating discounts of about 3.4%.

In regional areas, sellers are offering discounts of around 3.9%.

What you can do to negotiate a discount

Not every homebuyer is comfortable asking for a price discount.

However, even a small discount can add up to savings worth tens of thousands of dollars.

And today’s level of price discounting may not last long.

Here are three simple steps that could help your negotiations.

1. Know your borrowing power

Time spent inspecting homes that are beyond your budget is time wasted.

Worse still, it could mean missing out on a place that may otherwise have been ideal for you.

That’s why it’s so important to talk to us to understand your borrowing power before you start checking out properties listed for sale.

It lets you know your financial limits, so you can focus on homes within your budget.

2. Have home loan pre-approval in place

Pre-approval means a lender has given you an initial thumbs-up for a home loan.

When you make an offer on a place – and it’s accepted – the lender will decide whether to give you full approval (also known as ‘unconditional approval’).

The beauty of pre-approval is that it gives you more clarity over how much you can spend on a home.

It can also be a real confidence booster when it comes to making an offer.

As an added sweetener, pre-approval shows you are a serious buyer who can potentially close the deal quickly.

This can be very appealing to sellers, who may be more open to price negotiations.

Talk to us about organising home loan pre-approval before you start home-hunting.

3. Use pre-purchase inspections to drive a discount

A pre-purchase building/pest inspection may be an additional cost to wear, but it can reveal areas where a property needs work.

If a pre-purchase inspection shows any shortcomings on a home, you may want to use these as a bargaining chip in your negotiations. 

Take advantage of discounts being at a 5-year high

Not every seller will be open to a discount.

Some may have a set price in mind, and won’t budge.

That said, if you head into the market with a clear idea of your borrowing capacity and loan pre-approval under your belt, you may be well-placed to score valuable savings on your new home.

Call us today to put yourself in a strong position to negotiate a price discount.

Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to your circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.

The numbers say it all. 

Last year, brokers in Australia arranged one home loan every 38 seconds.

Why have brokers become the go-to partner for home loan help in Australia?

The answer lies beyond initial home loan support, and can extend across your lifelong property journey.

82% of borrowers know they’re onto something special

There’s no shortage of home loans and lenders to pick from in Australia.

So, it’s not always lack of choice that sees home buyers partner with a broker.

However, there is a good reason why 82% of new home loans are arranged with the support of a broker – we take the time to explain the process.

One study found homebuyers often find home loans confusing.

That’s understandable. Taking out a home loan is something most of us will only do a few times in our lifetime.

And here’s the broker difference.

Brokers don’t just identify the loan that’s a good match for your needs. We take the time to explain how homebuying works.

We get to know you and your home loan needs. This way we can identify home loans that are a great match for your circumstances.

We also explain your borrowing power. So you can put together a realistic buying budget.

We also assist with your application, and liaise with your lender on your behalf, all the way to loan settlement.

Keeping your loan rate competitive

The service doesn’t end when you have purchased your home.

We believe it’s important to know if you are paying a competitive loan rate, no matter how long you’ve had your current loan.

With the Reserve Bank of Australia’s (RBA) cash rate currently sitting at a 15-year high, it’s become critical to be confident you aren’t paying more than necessary.

This is why we offer to provide you with frequent home loan reviews.

It’s a simple way to know if your loan still matches your needs – and if your lender won’t come to the table with a rate discount that rewards your loyalty, we can let you know if you could save by switching to a different loan or lender.

The upshot is that research shows more people who’ve taken out a mortgage through a broker are  confident they have chosen a competitive loan, compared to those who dealt with a lender directly. 

Helping you tick off your property bucket list

Once your first home is bedded down, chances are your financial goals may start to evolve.

You may decide to renovate your current home or upgrade to your next home.

When you’re ready to take the next steps on your property journey, we’re here to help.

We can explain your home loan options, and make it as streamlined as possible for you to achieve your property goals.

Call us today

Discover firsthand why over eight in ten home loans are organised through a broker.

Give us a call to experience the value we can bring to your homebuying journey.

Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to your circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.

Let’s not sugarcoat this. 

Four rate hikes in just eight months is leaving plenty of home owners facing the squeeze of higher-than-expected loan repayments.

In fact, the cash rate is now sitting at 4.6%, a level not seen since 2011.

The difference is that 15 years ago, home loans were around half the size they are today.

But you may not have to simply accept a higher rate.

There could still be opportunities to save by switching to a home loan with a more competitive rate.

What’s a competitive rate right now?

While the big banks such as CommBank, Westpac and ANZ were quick to pass on September’s 0.25% rate hike, some smaller lenders are yet to announce their rate moves.

Once the dust settles, Canstar estimates the average variable rate for owner occupiers will be 6.49%.

This aligns with Reserve Bank of Australia (RBA) data.

However, a more competitive rate of 6.25% may be available through as many as 40-plus lenders, according to Canstar.

It could still even be possible to pay as little as 5.94%.

But bear in mind, these lower-rate loans may not be suitable, or available, for many borrowers.

Some have low loan-to-value ratios, making them better suited to home owners with a reasonable level of home equity.

We can let you know which low-rate lenders, if any, may be suitable for your needs.

How does your loan rate compare?

As many as one-in-two home owners are in the dark about their home loan rate.

But ignorance isn’t bliss when you’re being asked to shoulder a 1% rate increase so far this year.

If you’re unsure about the rate you’re paying, give us a call.

We can let you know for sure.

Unfortunately, more rate pain could lie ahead

What matters is that we have this conversation early.

The ink may be barely dry on the September rate hike, but that doesn’t guarantee we’ve seen the last of rising rates.

The RBA has left the door open for more rate increases.

CommBank sees the scale “tilted towards further rate rises”.

While ANZ believes a November rate hike is “more likely than not”.

Important next steps

If you have a variable rate home loan, chances are your interest rate is about to increase (if it hasn’t already).

Fortunately, you should receive several weeks’ notice before repayments rise.

This provides breathing space to decide your next steps.

A sensible starting point is to talk to us.

We’ll give you a clear picture of whether you can save on interest with a lower rate loan that suits your needs – and help guide you through the refinancing process.

Call us today to get started.

Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to your circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.

Following hikes in February, March and May, this latest 0.25% increase now brings the cash rate to the highest level it’s been in 15 years – since October 2011.

The RBA’s Monetary Policy Board said in a statement that since the previous RBA meeting, some of the upside risks to inflation had been materialising.

“There have been further disruptions to global oil supply and recent data suggest that growth and inflation in Australia have been higher than expected,” the statement said.

“Higher fuel prices have partially been passed through to prices of other goods and services. This inflation impulse is in addition to the effect of capacity pressures in the economy.”

Worse still, the rate hike pain for 2026 might not even be over yet, with the RBA signalling we could have another hike again before too long if inflation didn’t return to the 2-3% target range.

“The Board will continue to do what it considers necessary to bring inflation sustainably back to target, including increasing the cash rate target further if needed,” the RBA statement said.

How could this affect your mortgage repayments?

Unless you’re on a fixed-rate mortgage, your bank will likely soon follow the RBA’s lead and increase the interest rate on your variable home loan.

For an owner-occupier with a 25-year loan of $500,000 paying principal and interest, this month’s 25 basis point rate hike means your monthly repayments could increase by about $77 a month.

That equals about $924 a year. Or $3696 annually if you also include the other three rate hikes.

If you have a $750,000 loan, your minimum monthly mortgage repayments may increase by about $115 a month. That’s $1380 per year, or $5520 including the previous three rises.

Meanwhile, a $1 million loan could go up by about $154 a month. That’s $1848 a year, and $7392 if you include the February, March and May hikes.

This all assumes that your lender automatically passes on the full 25 basis point increase to your home loan.

When did you last refinance your home loan?

This latest RBA hike is another tough pill to swallow for mortgage holders on a variable rate. It hurts, but there are still some steps you could potentially take to help offset the rate hike.

If it’s been some time since your last home loan review, now might be a good time to check in. 

There’s a chance you might be able to improve your situation by switching to a lender with a lower-rate home loan – potentially giving you a rate cut of your own.

Other options we could help you explore include renegotiating with your current lender, switching to interest-only for a period of time, or debt consolidation.

Every household is unique, and we’re committed to helping you find a solution that fits your needs.

Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to your circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.

The 2026 Federal Budget may have changed many of the rules for property investors.

But a rental property can still be an attractive long-term investment.

And yes, you may still be able to benefit from negative gearing.

The key lies in the type of property you buy.

That’s because different rules will apply from 1 July 2027, depending on whether you buy a new or established property.

Let’s take a closer look.

What is negative gearing?

‘Negative gearing’ occurs when the costs of holding onto a rental property exceed the rent it generates each year.

Costs which may add up to exceed income include real estate agent fees, maintenance, mortgage interest and depreciation.

This loss is then claimed against an investor’s total annual income (including wages/salary), which can lower their personal tax bill.

Investors usually accept this annual loss on a rental property because they believe the profits that come from selling the place – known as ‘capital gains’ – will more than make up for the yearly shortfall.

How the rules for negative gearing are changing

From 1 July 2027, investors who buy an established property will only be able to offset the ongoing costs of a rental property against other income from residential properties or against capital gains arising from the sale of a rental property, rather than against their wage/salary income.

This may be fine for investors who own multiple properties.

The thing is, the vast majority of investors in Australia only own one rental property.

But that doesn’t mean the end of negative gearing.

Here’s the potential opportunity.

Under the Budget reforms, investors who purchase a newly built property – one that adds to housing supply – may still be able to use negative gearing as a way to save on tax and support personal cashflow.

Additionally, your current home could also be a negatively geared investment property in the future if you upgrade (or downgrade) into another home, and keep your existing home.⁣

That’s because the new negative gearing rules that take effect from mid-2027 only apply to properties purchased after 12 May 2026 – even if it’s currently your principal place of residence.

Why is negative gearing still being allowed for new properties?

Australia faces a well-publicised housing shortage.

And as our population continues to grow, more people are competing for a place to live in.

By allowing negative gearing for newly built investment properties, the government is hoping to boost the supply of housing. 

Newly built homes can have other advantages

It is important to speak with your accountant about any issues related to tax.

The ability to negatively gear newly built properties may be just one part of their appeal.

From 1 July 2027, additional Budget reforms mean that investors who buy a newly built property can choose to claim a 50% capital gains tax discount on the sale of the property (if they hold onto it for more than 12 months).

Or investors can use indexation to adjust gains for inflation and pay capital gains tax at a minimum of 30%. This is the method that will be used to determine capital gains tax on established properties.

There is another possible upside of a newly-built rental property, and that’s the potential to claim increased depreciation costs – both on the building as well as fixtures and fittings such as carpets, curtains and appliances.

Call us today

Yes, there have been reforms to how investment properties are taxed.

But financial experts generally agree that investment decisions shouldn’t be based on potential tax benefits alone.

Residential property has been a successful long-term investment for many Australians, and despite occasional dips, property prices have risen over time.

If you’re thinking about a rental property, call us for help finding an investment loan that could help make your goal a reality.

Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to your circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.

There is no shortage of media headlines touting big falls in home prices.

But the reality may be less sensational.

While some property values at the luxury end of the market could be seeing price falls of up to 10%, it’s a very different picture at the more affordable end of the market.

We look at what’s happening with home prices, and why holding out for prices to fall further could  work against first homebuyers.

Good news for buyers: values have softened in most capital cities

The big picture is that home values nationally dropped 3.1% over the three months to September, taking annual price growth to just 2.7%, Cotality reports.

However, conditions vary between capital cities, and across market segments.

And here’s what first home buyers need to know.

Higher-value housing is recording larger price declines than affordable homes.

The affordable end of the market is proving resilient

As Cotality puts it, high-end homes are leading the downturn, while lower-priced houses and units are proving more resilient.

As a guide, in the three months to August, property values across the top 25% of the Sydney market fell by 5.7%. By comparison, values in the most affordable 25% of the market, fell by just 2.1%.

In Melbourne, the most expensive segment of the market saw values fall 5.3%, while the cheapest quarter of the market saw prices drop by just 1.3%.

And it’s a similar pattern across almost every state capital, Cotality research shows.

Hobart and Darwin bucked the trend, with home values in the most affordable segment of their respective markets rising over the last quarter.

These findings matter for first home buyers.

That’s because most first-time buyers start out in the more affordable end of the market – and that’s exactly where home values are experiencing softer price falls, if any at all.

Why are affordable homes seeing lower price falls?

Several factors are helping to limit price falls across affordable neighbourhoods.

These include steady entry-level demand.

In the June quarter of 2026, for example, over 29,000 first homebuyers purchased a place of their own. That’s about the same number for the same quarter in 2025.

Demand for affordable homes is also being supported by a range of first home buyer initiatives such as the 5% Deposit Scheme, the First Home Owner Grant and stamp duty savings initiatives.

It can also come down to numbers. There are simply fewer people who can afford to buy a luxury home.

What does this mean for first home buyers?

“Affordability” is the name of the game for plenty of today’s home buyers.

That’s because three rate hikes this year have reduced the borrowing power of many buyers.

Not surprisingly, that’s seen plenty of Australians hone in on affordable suburbs, which remain sought-after for their lower entry prices.

Across some cheaper suburbs, the number of online buyer searches has more than doubled compared to a year ago.

This doesn’t necessarily mean prices will rise in these neighbourhoods.

However, an increase in the number of buyers competing for a limited number of affordable homes may put upward pressure on prices – or limit the extent of any future price falls.

Talk to us today

As affordability pressures push demand toward cheaper markets, lower-priced suburbs may continue to be hot property among budget-conscious buyers.

This could see values in these areas hold their ground – or even buck the trend by starting to climb higher.

The bottom line is that if you’re a first home buyer, and you’re waiting for home prices to fall further, you could be disappointed.

Talk to us today to know if you’re home-loan ready right now.

Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to your circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.

Spring is traditionally the biggest selling period of the year for real estate.

It’s a season that can see more homes come onto the market, with listings rising, on average, by 15-20% compared to winter, as sellers take advantage of gardens that are in full bloom.

This year, spring is starting out on a different footing from recent times.

Plenty of signs suggest we are shifting to a buyers’ market, and that could be a plus if you’re looking for a first home, or upgrading to your next place.

Let’s take a look at what’s happening in the market, and how the experts see the season panning out.

Property values are softer

The good news for buyers this spring is that home prices are cooling in most capital cities.

Cotality’s national Home Value Index fell 0.9% in August.

That’s seeing home values nationally sit 3.6% below the market peak of March 2026.

The thing is, price declines aren’t occurring evenly across the board.

Across most state capitals, higher-value housing is recording larger price declines than lower-priced homes, Cotality says.

This may be a plus for upgraders.

Rather than being put off by selling in a softer market, upgraders may be able to take advantage of lower prices on their next home as they climb the property ladder – so long as they buy and sell within a relatively short time.

For example, a 3% price drop on a $1.5 million home that they’re keen to buy is a lot more than a 3% price drop on an $800,000 home they’re looking to sell.

More choice, better bargaining power

The supply of homes listed for sale across our major cities is now 24% higher than a year ago, and 8% above the 5-year average.

That’s quite a turnaround from last spring, when the supply of homes advertised for sale was below average.

Interestingly, the number of homes being advertised for sale by auction is down 31%. This may help reduce some of the stress involved in competing for a property at auction.

The upshot is that spring 2026 has the potential to tick plenty of boxes for homebuyers – more homes to choose from, greater scope to negotiate on price, and the potential to pay less for your new home than you may have a few months ago.

Will home prices fall further this spring?

No one really knows whether home prices will fall further or when they might start to level out.

What matters is a sense of perspective.

Westpac, for instance, is describing the current cooling property market as an “air pocket”, not a lasting downturn. It expects prices to stabilise as we head towards year’s end, then firm slightly over the course of 2027.

More homebuyers turn to a broker for help

One thing we can say for sure is that more Australians are now turning to their broker for help finding a home loan that matches their needs.

Mortgage brokers facilitated 82% of all new residential home loans during the June 2026 quarter.

That’s the highest market share on record.

It’s a clear sign that Australian homebuyers place a lot of value in having a broker in their corner.

Talk to us today

Is spring 2026 the season you will buy your first home, or next home?

Make us your first port of call, and enjoy the homebuying journey with a clear picture of your borrowing power, buying budget, and the reassurance of having a home loan that matches your needs.

Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to your circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.