30/10/2026
Four rate rises in a single year. The Australian property market is not the same one we had in January.
The Reserve Bank has lifted the cash rate to 4.6%, the highest level in fifteen years. The last time we saw something similar was in 2011, at 4.75%.
Meanwhile, prices continue to adjust in certain segments, especially in Melbourne and Sydney, where values were highest. But it pays to look closely: there are many markets within every market, and a house, a townhouse and an apartment don’t behave the same way.
On top of that, following the government’s changes, there are around 10% fewer investors than last year. The interesting question isn’t just why they left, but where they’re going. Some may be moving towards commercial property.
None of this is new. Laws, incentives and conditions change, and the market has always moved through cycles like this. What makes the difference is how you read the moment.
Now I’d like to hear from you: what do you think will happen over the next twelve months, will prices go up or down? Share your view in the comments, and if you’d like to look at your own situation, send me a direct message.
This content is general information only and does not constitute financial, legal or tax advice. It does not take into account your objectives, financial situation or needs. Please seek advice from an appropriately licensed professional before making any decision.