19/05/2026
It’s been a strange couple of weeks in the mortgage and property world…
One minute I’m discussing fixed rates, variable rates, repayment strategies and the future direction of interest rates with clients over coffee… the next minute I’m standing at an auction wondering whether the auctioneer or the buyers are more nervous 😊
Recently, I’ve had a number of clients review and restructure their lending based on a mix of:
• their own comfort levels,
• economist predictions,
• practical cash flow considerations,
• and good old fashioned “can I still sleep at night?” logic.
We’ve compared:
• Fixed vs Variable
• P&I vs Interest Only
• Multiple split loan combinations
• Short term certainty vs long term flexibility
And honestly… I love it.
I’m a rate nerd. There, I said it 😂
What’s fascinating at the moment is how differently the market is behaving from suburb to suburb and auction to auction.
One client recently purchased a fantastic property just above the agent’s quoted range — not because they got carried away, but because they saw long term value in a home they can improve, grow into and enjoy for years to come.
At another auction I attended, the opening bid was already around $200k above the quoted range… and the property still wasn’t even “on the market”.
As the auctioneer kept disappearing inside for strategy chats with the owners, the bidding somehow kept climbing too. Every time the agent came back outside, it felt like the seller’s expectations had quietly gone up another notch 😊
You could almost see buyers mentally recalculating repayments, renovation budgets and future holidays in real time.
And yet… the property still sold for what I’d call a very serious premium.
So what’s the takeaway?
Honestly… it’s still a market full of mixed signals.
There are buyers finding opportunities.
There are buyers overpaying emotionally.
There are vendors winning big.
And there are properties sitting awkwardly while everyone pretends not to notice.
What I can say is:
• stock levels definitely seem to have increased,
• auctions have ramped up,
• and prepared buyers are generally the ones making clearer decisions.
The more research, planning and honest conversations you have upfront, the better positioned you are when the right opportunity appears.
Whether you’re:
• buying your first home,
• refinancing,
• investing,
• fixing rates,
• building,
• restructuring debt,
• or simply trying to understand what on earth is happening in this market…
I genuinely enjoy helping people make sense of it all and get their ducks in a row before making big decisions.
So if you’re unsure where to start…
Email me.
DM me.
Send a smoke signal if needed 😊
Always happy to chat property, strategy, structures, rates… or auction war stories.
