Seven Equity

29/09/2026

29/09/2026

Where were you when the RBA made it's cash rate announcement?

The Reserve Bank of Australia (RBA) has today increased the cash rate by 0.25 percentage points to 4.60%.

While headline inflation eased to 3.5% in July 2026, underlying inflation remains stubborn with trimmed mean inflation held at 3.6%, above the RBA's 2–3% target range.

Two main factors are keeping pressure on prices. Rising global energy costs are flowing through to the price of other goods and services, and the RBA has signalled the jobs market is still adding to wage and business costs — despite unemployment edging up to 4.6%.

The RBA will continue watching inflation, household spending and the labour market closely.

What could this mean for you?

If your home loan has a variable rate, an increase in the cash rate may flow through to your interest rate and repayments.

This makes it a good time to review your loan and see whether your current rate, lender and loan structure are still competitive.

Get in touch if you’d like to understand your options.


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10/09/2026

Get around this important cause. See you al there.

20/08/2026

"Doesn't consolidating just cost me more in the long run?"

Best question I got asked last week. Honest answer in the video, and it starts with yes.

There's a version that works and a version that just moves the problem. Most people get the second one.

DM me if you want to know which one applies to you.

11/08/2026

Rates on hold 11/08/2026

03/08/2026

YOU DON'T HAVE A SPENDING PROBLEM.
YOU HAVE A STRUCTURE PROBLEM.

09/07/2026

Melbourne property is 3.2% below its peak. Clearance rates are sitting just above 50%. And Melbourne houses are the cheapest they have been relative to Sydney in around 20 years.

Most buyers reading that are waiting for more falls before they move.

That is the wrong read. Here is why.

In every property downturn in the last 30 years, the trough was only visible in hindsight. By the time the data confirmed prices had stopped falling, they had already started recovering. The buyers who waited for certainty bought on the way back up, not at the bottom.

The buyers who did well were the ones who moved when conditions were in their favour. When vendors were negotiating. When competition was thin. When clearance rates were scraping 50% and agents were calling buyers back instead of the other way around.

That is exactly where Melbourne is right now.

3.2% below peak is not a collapsed market. It is a corrected one. There are well-located properties available today at prices that were not negotiable 18 months ago. Vendors who have been sitting on 2022 expectations are starting to move.

The relative value story is also worth noting. Melbourne house prices compared to Sydney are at a 20-year low. For investors or buyers who have been priced out of Sydney, the gap has rarely been wider.

None of this means buy anything. Location, property type, and borrowing structure still matter enormously. But the window where buyers have this much leverage in Melbourne does not stay open long.

What I do: get your pre-approval sorted so you can move when the right property comes up. The buyers missing out right now are not the ones who picked the wrong suburb. They are the ones who were not ready when the call came.

DM YES.

02/07/2026

A client called me this week and said, "I'm feeling the pressure, but I don't know whether I should refinance, restructure, access equity, consolidate debt, or just wait."

Honestly, I'm hearing some version of that from a lot of people right now.

And the default response most people land on is, "I'll wait and see what the rates do."

Here's the problem with that. While you're waiting, your situation isn't standing still. Your borrowing power can shift. Lender options can tighten. And the window to make a move, whether that's refinancing, consolidating debt, or just creating a bit more breathing room, can close quietly before you realise it's gone.

The antidote to that uncertainty isn't more waiting. It's clarity.

In 10 minutes I can look at your current loan, your rate, your repayments, your equity and your options, and tell you exactly where you stand.

From there you can make a proper decision, whether that's act now or wait, but it'll be your call, based on the full picture.

If you're feeling the pinch between paychecks and want to know what your options actually are, send me a DM.

25/06/2026

Melbourne's auction clearance rate just hit a year low 52% this week. That means
roughly half the properties going to auction are not selling on the day.

Most people read that as bad news. It is not. Not if you are a buyer.

When clearance rates are high, vendors hold firm. Bidding is competitive. Buyers pay
over reserve and walk away with no leverage. This time last year Melbourne was
clearing at 66%. Vendors were in control.

At 52%, the dynamic shifts. Passed-in properties go to private negotiation. Vendors who
have been sitting on unrealistic expectations start to move. Agents are calling buyers
back instead of the other way around.

The buyers who do well in this market are not the ones waiting for prices to drop further.
They are the ones who already have their finance sorted, know their number, and can
move quickly when a passed-in property hits the phone.

A passed-in property at auction is not a problem. It is often an opportunity to buy the
same property with less competition and more negotiating room than you would have
had on auction day.

What I do: get your pre-approval in place so you are ready to move when the call
comes. The buyers missing out right now are the ones who see the opportunity but
cannot act because their finance is not ready.

DM YES and let's get you ready.

17/06/2026

Rate announcement 16/06/2026 ...