Welcome to our January edition

 

What are your 2026 goals? If a property purchase is on the cards, it may be worth starting your planning early.

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Last year was an exciting one in the property world. The Home Value Index (as measured by Cotality) surged 8.6% in 2025, adding roughly $71,400 to the national median dwelling value. Three cash rate cuts, increased investor activity and the federal government’s expanded Home Guarantee Scheme (now called the 5% Deposit Scheme) all contributed to price growth in 2025.

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However, by the end of the year, home value growth was losing momentum in most markets. Experts are predicting a weaker start to housing trends in 2026, with uncertainty around inflation and interest rates likely to weigh on housing confidence. Ongoing affordability challenges and renewed focus on household debt and credit policy are also likely to influence buyer sentiment.

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If you’re looking to purchase a property this year, get in touch early to discuss your finance options. We can explain your borrowing capacity, help you work through the deposit requirements, and organise pre-approval on your finance.

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