03/09/2026
Mortgage demand fell 5.4% last quarter. Owner-occupier loans down 3.3%. Investor lending down too (ABS).
Most people read that as bad news.
We read it as less competition.
Every buyer sitting on the sidelines waiting for a "safe" headline is a bidder you're not up against.
The investors who win this window aren't guessing the bottom — they've got finance sorted and they're negotiating hard.
Waiting is a position too. It has risks.
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