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Solution-Based Finance Specialists.

With over 20 years of finance industry experience, we help clients navigate challenging lending scenarios with tailored finance solutions.

📍 Sydney Based | Australia Wide

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16/10/2026

📍 4 IN 5 SUBURBS

House values fell in 82% of Australian suburbs over the past 3 months, according to realestate.com.au data.

🏠 Houses: 82% of suburbs down, 11% up, 7% flat
🏢 Units: 80% of suburbs down
📍 Sydney: about 97% of suburbs down, with just 6 suburbs up
📍 Adelaide: 91% of suburbs down

It’s no longer just the high-end areas. 📌
Is your suburb one of them? 🤔

ℹ️ General info only, not financial advice
Source: realestate.com.au

15/10/2026

🏪 BUSINESS CONFIDENCE: DOWN 3 MONTHS IN A ROW

A major bank’s September survey of Australian businesses is out today:

📉 Confidence: -13, down from -9 in August
➖ Conditions: -1, unchanged
👷 Hiring: the employment reading is at its lowest in 5 years
🏭 Confidence fell in 5 of 8 industries

Reasons given: high fuel and energy costs, higher funding costs and slower growth.

A reading below zero means more businesses feel pessimistic than optimistic. 📌

Run your own business? How’s it feeling on your side? 🤔

ℹ️ General info only, not financial advice
Source: monthly business survey, 13 Oct 2026

14/10/2026

💸 1 IN EVERY 10 DOLLARS

The RBA minutes also give a snapshot of how households are travelling:

🏠 Across Australia, about 10% of household income now goes on mortgage repayments, close to the 2024 peak
📉 House prices have fallen faster than the RBA expected
📊 New home loan commitments fell sharply, led by investors
✅ The RBA says most households are in sound shape, with fewer than 2% of owner-occupier borrowers estimated to be short on cash flow

Both sides of the story. 📌

What’s your repayment feeling like right now? 🤔

ℹ️ General info only, not financial advice
Source: RBA Board minutes, 13 Oct 2026

13/10/2026

🔮 CITY BY CITY: HOW FAR COULD PRICES FALL?

One major bank has updated its forecast for capital city home prices, measured from the peak to the bottom:

🔻 Sydney: about 14%
🔻 Melbourne: about 11%
🔻 Brisbane: about 11%
🔻 Perth: about 11%
🔻 Adelaide: about 8.5%

Nationally, it expects about 11%, with prices levelling out around mid-2027.

So far, the capitals are down 6.4% from the March peak.

Remember, a forecast is not a guarantee. 📌

Which city are you keeping an eye on? 🤔

ℹ️ General info only, not financial advice
Source: Bank housing monitor (Oct 2026), Real Estate Business (12 Oct)

12/10/2026

📅 TWO DATES THIS WEEK

🏦 Tue 13 Oct
The RBA releases the minutes of its September meeting. That’s the record of what the board discussed before lifting the cash rate to 4.60%.

👷 Thu 15 Oct, 11:30am
September jobs figures are released.

Jobs and inflation are two things the RBA watches when it makes rate decisions. The next decision is on Tue 3 Nov.

ℹ️ General info only, not financial advice. Source: RBA, ABS.

11/10/2026

🏗️ AUSTRALIA IS 124,000 HOMES BEHIND

The goal: 1.2 million new homes by mid-2029.

Two years in:
✅ Needed by now: 480,000
🏠 Built: about 356,000
⚠️ Gap: about 124,000

Last quarter, about 47,000 homes were finished.

To hit the goal, it needs to be about 70,000 every quarter for the next 3 years.

Do you think supply catches up before buyers do? 🤔

*Source: ABS Building Activity

09/10/2026

HOMES NOW TAKE 39 DAYS TO SELL, UP FROM 23 LAST YEAR ⏳🏠

Fewer buyers, more waiting. Here's what the latest numbers show.

📌 Capital city homes now take a median of 39 days to sell. A year ago it was 23, so around 70% longer

📌 Home sales over the past three months are down 19.1% on last year

📌 Fewer new listings are coming on, but unsold homes are piling up

📌 House prices have now fallen six months in a row, and 97% of capital city suburbs recorded a drop over the last three months

What are the experts tipping? 🧐

📌 Cotality's research director says a fall of 10% to 15% from the peak is a reasonable estimate, depending on how far rates go

📌 AMP's chief economist says it's already shaping up as a downturn we haven't seen in 40 years, though he thinks rates may be close to peaking

*Source: Cotality Home Value Index & Bloomberg

ℹ️ General info only, not financial advice.

08/10/2026

CONSUMER CONFIDENCE JUST DROPPED SHARPLY — RIGHT AFTER THE RATE HIKE 📉

Westpac surveyed Aussie households this month, and the timing of the survey tells the story.

📌 Overall confidence fell 4.7% in October, to 80.4 (anything under 100 means more people are pessimistic than optimistic)

📌 People surveyed before the RBA hike scored 86.9

📌 People surveyed after the hike scored just 67.2 — a level only seen in the early 1990s recession

📌 That's a drop of nearly 20% within a single week — the sharpest since Westpac started tracking daily in 2019

Other things people are feeling: 💭

📌 Over 80% now expect mortgage rates to keep rising over the next year — up from 63% last month

📌 Pessimists outnumber optimists in 102 of the 106 groups surveyed

📌 Worries about fuel costs and the jobs outlook are growing too

When almost every group feels worse after one rate decision, how much of the economy's mood is really about interest rates?

*Source: Westpac–Melbourne Institute (official October 2026 release), Bloomberg.

07/10/2026

VICTORIA JUST BANNED SECRET RESERVE PRICES AT AUCTION 🔨

A genuine first for Australian property — and it's already started.

📌 From 1 October, Victorian sellers must publicly disclose their reserve price at least 7 days before an auction

📌 It has to be a single dollar figure — no vague ranges allowed

📌 The rules apply to auctions held from 16 October (there's a 14-day transition period)

Other changes landing at the same time: 📋

📌 A new "Property Price Statement" replaces the old Statement of Information

📌 Final sale prices now have to be published

📌 Agents must back up their price guides with comparable sales evidence

Why? The law is aimed at stopping "underquoting" — advertising a property at a price well below what the seller will actually accept, so buyers waste weeks (and money on inspections) chasing something out of their reach.

One catch worth noting: the reserve only has to be revealed 7 days out, so early-campaign pricing still needs a close look.

*Source: Domain, Smart Property Investment, Property Update.

06/10/2026

YOUR VARIABLE RATE GOES UP ON FRIDAY 9 OCTOBER ⏰🏠

All four major banks have confirmed they're passing on the RBA's full rate hike.

📌 Variable home loan rates are rising by 0.25 percentage points — in full — from 9 October

📌 The change is automatic, so you don't need to do anything to "accept" it

📌 Banks are required to give at least 20 days' written notice before the higher repayment is taken, and most give more

What it means for your repayments, roughly: 💸

📌 About $79 more per month on a $500,000 loan

📌 About $91 more per month on a $600,000 loan

(Based on principal-and-interest loans with around 25 years remaining.)

*Source: ABC News, Australian Broker, Yahoo Finance/AAP

⚠️ Repayment figures are estimates for illustration — your actual increase depends on your own loan size, term and rate.

ℹ️ General info only, not financial advice. Want to see exactly what this means for your loan? Get in touch.

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Liverpool, NSW
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Telephone

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Website

http://www.themoneyguys.com.au/

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