Original Wealth

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The property market has started to slow down a bit recently.Auction clearance rates are sitting around 60%, and buyer tu...
13/04/2026

The property market has started to slow down a bit recently.

Auction clearance rates are sitting around 60%, and buyer turnout is lower too — from about 3 groups per property last year to just over 2 now. Overall, buyers seem more cautious and slower to make decisions.

At the same time, listings are increasing. There’s been a noticeable jump in auctions, and some sellers may be bringing properties forward due to uncertainty about where the market is heading.

Right now it feels like: buyers are waiting, sellers are testing.

That said, the market hasn’t stopped. A lot of recent transactions are still driven by owner-occupiers, especially first home buyers. With fewer investors in the mix and rents continuing to rise, some buyers are choosing to move ahead anyway.

So it’s not that the market has suddenly turned bad — it’s more that confidence has softened.

If you’re watching the market at the moment, are you leaning towards buying now, or waiting a bit longer?

🏮 Happy Lantern Festival.On the fifteenth day of Chinese New Year,Original Wealth wishes you and your family togethernes...
03/03/2026

🏮 Happy Lantern Festival.

On the fifteenth day of Chinese New Year,
Original Wealth wishes you and your family togetherness, happiness, and a year filled with prosperity and fulfilment.

🏮 正月十五，元宵节。

值此正月十五，
Original Wealth 祝大家元宵节快乐，
愿家人常伴，团团圆圆，万事圆满。

#元宵节 #正月十五 #海外华人 #澳洲华人

Most people are already talking about rate cuts.But inflation hasn’t really returned to target yet.Unemployment is still...
27/02/2026

Most people are already talking about rate cuts.

But inflation hasn’t really returned to target yet.
Unemployment is still tight.
And current rates may not be as restrictive as we think.

There’s a hawkish argument building that says: if inflation doesn’t ease properly, the RBA may have to move again.

The bigger risk right now isn’t high rates.

It’s assuming they’re about to fall.

In this environment, managing cash flow matters more than guessing the next move.

现在很多人都在等降息。

但通胀其实还没真正回到目标。
就业市场依然偏紧。
而现在的利率，未必真的“够紧”。

有一种偏鹰派的声音在说：
如果通胀下不来，RBA可能还得动。

真正的风险不是利率高，
而是太早认定它会降。

这阶段，比起判断方向，
更重要的是把现金流管好。

Investor lending just got interesting.• Interest-Only up to 15 years• Up to 95% LVR (incl. LMI)• No extra 10% net equity...
24/02/2026

Investor lending just got interesting.

• Interest-Only up to 15 years
• Up to 95% LVR (incl. LMI)
• No extra 10% net equity requirement

Lower repayments.
Lower deposit.
More room to move.

If you’ve been sitting on the fence, this might be your window.

Message me to check your numbers.

Registered Nurses in Australia — banks actually like you more than you think.You may have real advantages when applying ...
19/02/2026

Registered Nurses in Australia — banks actually like you more than you think.

You may have real advantages when applying for a home loan:

✔ Buy with as little as 5% deposit
✔ Overtime & night shifts can boost your borrowing power
✔ Possible LMI waiver (that’s thousands saved)
✔ VIC first home benefits may stack

It’s not just “Can I buy?”
It’s “Am I structuring this properly?”

If you're a nurse and thinking about buying — message us.

在澳洲当注册护士，
其实是银行眼里的“优质客户”。

很多人不知道👇

✔ 首付可以低至 5%
✔ 加班费、夜班津贴真的能提高贷款额度
✔ 有机会豁免 LMI（省下几千到几万）
✔ 维州首房补贴 + 印花税优惠可能可叠加

重点不是“能不能买”。
而是——有没有把优势用到极致。

在医院上班的朋友，可以私信聊聊。

#澳洲房贷 #护士买房 #首套房

📌 Rate Hike Effective Dates (Updated)If you’ve recently received a “rate increase notice”, don’t panic — the key is when...
11/02/2026

📌 Rate Hike Effective Dates (Updated)
If you’ve recently received a “rate increase notice”, don’t panic — the key is when the new rate actually takes effect.

We’ve summarised the effective dates by lender (see image), including:
ME, AMP, ING, Bendigo Bank, NAB, CBA, ANZ, Bankwest, Suncorp, Pepper Money, Westpac, Macquarie, BOQ and more.

💡 Quick reminder:
Before your lender’s effective date, you may still have time to:
✔️ request a repricing
✔️ review your current rate
✔️ compare other lenders
✔️ consider refinancing

If you’d like a quick check on whether your loan can be improved, feel free to comment or DM us.

如果你最近收到“利率上调通知”，先别慌——重点是新利率到底从哪一天开始生效。

我们已经整理了各大银行的加息生效日期（见图），包括：ME、AMP、ING、Bendigo、NAB、CBA、ANZ、Bankwest、Suncorp、Pepper、Westpac、Macquarie、BOQ 等。

💡温馨提醒：
在生效日前，你通常还有机会：
✔️申请降息/重新定价
✔️检查现有利率是否偏高
✔️比较其他银行
✔️考虑转贷

想快速确认你这笔贷款还有没有优化空间，欢迎评论或私信我们。

⚠️ Fixed rates are rising — and this matters.In the past month, 34 lenders have lifted at least one fixed home loan rate...
23/01/2026

⚠️ Fixed rates are rising — and this matters.

In the past month, 34 lenders have lifted at least one fixed home loan rate.
CBA’s 2-year fixed rate now starts from 5.79%.

This isn’t a reaction to the RBA.
It’s banks pricing in risk ahead of February.

If rates rise by 0.25%, a $600k loan means around $90 more per month.

Fixed rates usually move first.
Waiting for confirmation often means paying more.

Many first home buyers are already feeling this on the ground 🏠The issue today isn’t a lack of effort or saving — it’s t...
21/01/2026

Many first home buyers are already feeling this on the ground 🏠

The issue today isn’t a lack of effort or saving — it’s that prices in “affordable” areas are rising faster than most buyers can keep up.

The expanded 5% deposit scheme has helped more buyers enter the market, but it has also concentrated demand into a smaller group of suburbs sitting under the price caps. When significantly more buyers chase the same limited stock, competition intensifies and prices respond quickly 📈

We’re seeing buyers pushed from inner locations to middle-ring suburbs, then further out again — not by choice, but because each wave of demand lifts prices in the areas they move to 🚗

From a market perspective, this is a classic demand-side boost. It improves access in the short term, but without additional supply, the pressure doesn’t disappear — it simply shifts.

Australian Holiday Home Market: What to Know This SummerAs summer approaches, interest in Australia’s holiday home marke...
16/01/2026

Australian Holiday Home Market: What to Know This Summer

As summer approaches, interest in Australia’s holiday home markets is picking up again. Recent data shows that many popular holiday destinations are still 15–20% below their 2022 price peaks, as markets continue to normalise after the pandemic surge.

Holiday homes operate under different fundamentals compared to standard residential properties. Lifestyle appeal, scarcity, holding costs, and regulatory settings often play a much larger role than rental yields or employment hubs.

For buyers, this environment calls for careful selection and realistic expectations, particularly around ongoing costs and long-term ownership.

🏠 Australia’s housing boom is losing steam — after an 8.6% jump in 2025Last year, home prices across Australia soared 8....
13/01/2026

🏠 Australia’s housing boom is losing steam — after an 8.6% jump in 2025

Last year, home prices across Australia soared 8.6%, adding around $71,400 to the average home — the strongest growth since 2021.

📈 Perth and Brisbane led the charge, while the Gold Coast surged 24%, the biggest increase in the country.
But as 2025 ended, the pace slowed — Sydney and Melbourne prices slipped 0.1% in December, hinting at a cooler 2026 ahead.

💬 Why the change?

3 RBA rate cuts boosted buying power in 2025

Record-low housing supply — listings down by up to 50%

Intense demand from both investors and first-home buyers

But with possible rate hikes ahead, confidence is softening

📉 What this means for buyers in 2026:
✔️ The market isn’t collapsing — it’s stabilising
✔️ Regional and entry-level homes remain strong opportunities
✔️ Timing and the right mortgage strategy will matter more than ever

At Original Wealth, we believe:

“When the market cools, smart buyers heat up.” 🔥

📍Thinking about your next move?
Let’s talk strategy and help you plan your 2026 property goals.
# #

🎅 We’re taking a little Christmas break!It’s been such a fulfilling year helping so many families make their home dreams...
19/12/2025

🎅 We’re taking a little Christmas break!

It’s been such a fulfilling year helping so many families make their home dreams a reality ❤️

Our office will be closed from 21st December 2025 and reopen on 12th January 2026.
If you’ve got any last-minute questions before the holidays, reach out to your broker soon!

Wishing you and your loved ones a safe, happy and relaxing festive season 🎄

Thank you for being part of our journey this year — see you in 2026!

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Ground Floor, Building 3, 540 Springvale Road
Glen Waverley, VIC
3150

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+61390750000

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