Your Property People

09/06/2026

Interest Rate Relief on the Horizon?

After a long period of higher interest rates putting pressure on household budgets, there may finally be some welcome news ahead.

NAB and Commonwealth Bank, are now forecasting that the next move in interest rates is likely to be down, as signs emerge that the Australian economy is slowing.

Recent ABS data showed economic growth slowed to just 0.3% in the March quarter, down from 0.9% previously, whilst GDP per person actually declined.

In simple terms, the economy is still growing, but momentum does appear to be fading.

NAB Chief Economist Sally Auld says conditions have changed significantly since earlier this year, with growth slowing and tighter financial conditions weighing on activity. While inflation and employment figures still remain important, NAB believes the next move by the RBA is likely to be a cut.

What could this mean?

1. Potential relief for mortgage holders.
2. Improved borrowing capacity over time.
3. Greater confidence returning to the property market.

While the NAB now has greater confidence that Australia’s next interest rate move will be down, it is less certain about when that will happen. Rates may hold for a while if inflation proves to be stubborn. However, after abandoning its previous forecast of an August rate rise, NAB now anticipates the official cash rate to drop from 4.35% to 3.6% by the end of 2027.

The Reserve Bank will announce its next cash rate decision at 2.30pm on June 16, with economists and financial markets widely expecting rates to remain on hold.

09/06/2026

Recently, Jason visited Mt Kosciuszko, and took a moment to share a few thoughts. Now, truth be told, Kosciuszko for Jase, is like walking up office stairs! Seriously, the guy summits mountains that are over 8km above sea level and have serious fatality rates. Anyone heard of Annapurna?

We were going to suggest googling it, but to save you the hassle, here’s a link! He did this mountain two years ago. As of February 2025, 559 people had reached the summit of Annapurna, while 75 have died in the attempt.

https://en.wikipedia.org/wiki/Annapurna

Some people have an interesting take on what “fun” is!!!

06/06/2026

04/06/2026

AI to Speed Up Approvals.

The Federal Budget has allocated funding for AI to be used to help speed up assessments of housing and energy projects awaiting environmental approval.

It has allocated $105.9 million over four years to develop an AI tool to help with the assessments. It also commits $500 million to implement environmental reforms, including about $250 million to establish the National Environmental Protection Agency.

Treasurer Jim Chalmers believes the AI assistance will help increase housing supply. Housing Industry Association managing director Jocelyn Martin says that modernising approval systems will provide greater certainty for builders, developers and investors, while maintaining strong environmental protections.

“We want systems that are fit for purpose. Systems that deliver a faster yes or a faster no. That certainty is essential to getting projects moving and homes built sooner.” She added “a digitally enabled, nationally consistent framework will reduce delays caused by the same information being assessed multiple times by different agencies. Removing that duplication is critical if we are serious about increasing housing supply.”

For more stories like this, visit us at www.ypp.com.au

02/06/2026

Five projects for YPP in this region at present. Phil onsite here two weeks ago doing inspections, Craig before that. Not many other property advisory firms with staff travelling around the country to inspect and review their clients investments.

YPP. Build your tomorrow. Today.

01/06/2026

Still curious what the latest tax changes mean for property investing?

Just in case there’s still some uncertainty out there, we talked with YPP Accounting Partner, Dylan from Lifepoint Advisory, to get his take on what’s changing (and what’s not) when it comes to tax and property.

Feel free to let us know your thoughts or any questions you may have. Or call us on 1300 123 YPP.

01/06/2026

Why Some Investors Lose Money in Good Markets.

This might sound strange, but a rising property market doesn’t automatically mean everyone wins.

We’ve seen people buy in a “hot market” and still end up disappointed. Why? Because strong markets can sometimes hide poor decisions.

When prices are rising, almost everything can look like a good investment for a while. But over time, the differences begin to show.

Some common mistakes we see include:

❌ Focusing on tax benefits rather than fundamentals
❌ Choosing the wrong locations with little demand
❌ Following hype, headlines or social media “experts”
❌ Buying because a friend or colleague did
❌ Focusing on what looks good on paper rather than long-term demand

The reality is simple. Not all properties perform equally. Two properties in the same city can have vastly different outcomes over time.

Good markets certainly help.

But good decisions matter more.

YPP. Build your tomorrow. Today.

30/05/2026

Thank you to everyone who attended our Webinars this week. The feedback has been extremely positive.

Olivia M: “the budget summary regarding tax scenarios for property was 100% clear, concise, and easy to understand and take home.”

Paul S: “a lot of what was shared almost seemed like good old common sense, but to hear it from property investment professionals really gives me confidence to finally do something.”

We look forward to presenting these webinars to you again soon.

YPP. Build your tomorrow. Today.

28/05/2026

Real growth usually comes from keeping things simple.
When Abhishek and Artika first looked into property, they felt exactly like many busy parents do: overwhelmed, confused by the jargon, and unsure who to trust.

With young kids and full-time jobs, they didn't have the "spare brain space" to navigate a complex market. After connecting with Raj, the focus shifted from sales pitches to a clear, pressure-free plan that actually made sense for their family’s future.

Fast-forward four years, and the results speak for themselves:

Their first property in Logan Reserve has seen over $500,000 in capital growth.
They’ve moved from feeling "zero idea" to confidently securing their second investment.
The process has gone from stressful to simple.

At Your Property People, we believe property investment should be accessible and achievable. For Abhishek and Artika, it wasn't just about the numbers—it was about finding the guidance to stop putting it off and start building.

Build your tomorrow. Today.

27/05/2026

A post today from our Finance Specialist partner. This is particularly relevant to those seeking established property in light of the Budget released a fortnight ago. Bottom line, now that you cannot negative gear EXISTING property in the future, you will have reduced income, and thus your borrowing capacity is reduced.

If you have an investment property pre-approval, read this before you assume it still stacks up.

The federal government has proposed changes to negative gearing and while the legislation hasn't passed yet, some lenders have already moved.

They've quietly updated their servicing policies to stop factoring in negative gearing benefits when assessing loans on established properties.

Other lenders haven't changed a thing yet.

That gap matters enormously, because removing negative gearing from the servicing calculation can slash your borrowing capacity by tens of thousands of dollars - sometimes more, depending on your situation.

🏘️ If you've got a pre-approval in place and an investment purchase in mind, don't assume that approval is still valid.

Speak to your broker or lender now, before you're in a contract and find out the hard way.

Book a chat at loanbuddy.com.au/book-appointment/ or call us on (02) 9188 2138.