Equilibria Finance - Mortgage Brokers

Equilibria Finance - Mortgage Brokers Equilibria Finance provides residential & commercial mortgages & business & asset finance solutions

We provide residential and commercial mortgage and business finance solutions in keeping client goals, objectives & aspirations. Services;
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The Cost of Living Under Albanese: Higher Prices, Lower AffordabilityThe latest CPI data shows inflation is still runnin...
07/09/2026

The Cost of Living Under Albanese: Higher Prices, Lower Affordability

The latest CPI data shows inflation is still running at 3.5%, with underlying inflation at 3.6%, both above the RBA's target range of 2-3%.

Since the Albanese Government came to office:
➡️Rents +24%
➡️ Electricity +33%
➡️ Gas +36%
➡️ Insurance +43%
➡️ Health +20%
➡️ Education +23%

Australians don't experience inflation through an ABS release and the Government claiming they are getting inflation under control. They experience it through:
➡️ Higher rents
➡️ Bigger power bills
➡️ More expensive insurance premiums
➡️ Rising education and healthcare costs

➡️ At the same time, we have out of control government spending and the economy continues to grapple with supply shortages, particularly in housing.

And it's first-home buyers who often pay the price:
➡️ Interest rates stay higher for longer
➡️ Borrowing capacity remains constrained
➡️ Saving a deposit becomes harder
➡️ As housing supply struggles to keep up with demand

The result?
➡️ Despite the Government rhetoric - many aspiring homeowners are finding themselves further away from owning a home than they were a few years ago.

Australia's housing market is cooling, but not every city is following the same path.According to Cotality, national dwe...
03/09/2026

Australia's housing market is cooling, but not every city is following the same path.
According to Cotality, national dwelling values fell 0.7% in July, with values down 1.9% over the July quarter.

But beneath the headline numbers is a growing divide:
📉 Sydney: -4.0% over the quarter
📉 Melbourne: -3.4% over the quarter

Meanwhile:
📈 Darwin: +2.4% over the quarter
📈 Hobart: +1.4% over the quarter
📈 Adelaide: +0.1% over the quarter

What's even more interesting is what's happening across price points.
📉 Upper-quartile home values fell 3.2% over the quarter.
📈 Lower-quartile home values rose 0.3%.

Affordability constraints, borrowing capacity limits and cost-of-living pressures are pushing buyers towards lower price points, while premium properties are facing greater downward pressure.

The result?
✅ More negotiating power for buyers at the upper end.
✅ More competition for affordable properties.
✅ Growing divergence between cities, price points and buyer segments.

30/08/2026

Treasury and Jim Chalmers said rents would rise by less than $2 per week. The latest rental data suggests a very different outcome.

▪ ABS data shows rents increased 3.6% over the year to June 2026.
▪ Cotality's June Quarter Rental Review shows the national median rent reached a record $705 per week, rising 1.6% in just one quarter.
▪ That's approximately $11 more per week in three months alone. More than five times Treasury's projected impact.

Meanwhile:
▪ Sydney rents now sit at $841/week
▪ Perth rents at $784/week
▪ Brisbane rents at $734/week

For many renters, a 5% increase means paying an additional $37-$42 per week.

The bigger question is this:
Can Australia make investment in rental housing less attractive and expect rents to become more affordable?

Housing affordability isn't measured by modelling. It's measured by what renters actually pay each week.

This week on Ausbiz, I discuss the growing disconnect between housing policy intentions and market outcomes and in fact the government narrative.

🎥 Watch the interview below and let me know your thoughts.

Australia's housing market is cooling, but not every city is following the same path.According to Cotality, national dwe...
29/08/2026

Australia's housing market is cooling, but not every city is following the same path.

According to Cotality, national dwelling values fell 0.7% in July, with values down 1.9% over the July quarter.

But beneath the headline numbers is a growing divide:
📉 Sydney: -4.0% over the quarter
📉 Melbourne: -3.4% over the quarter

Meanwhile:
📈 Darwin: +2.4% over the quarter
📈 Hobart: +1.4% over the quarter
📈 Adelaide: +0.1% over the quarter

What's even more interesting is what's happening across price points.
📉 Upper-quartile home values fell 3.2% over the quarter.
📈 Lower-quartile home values rose 0.3%.

Affordability constraints, borrowing capacity limits and cost-of-living pressures are pushing buyers towards lower price points, while premium properties are facing greater downward pressure.

The result?
✅ More negotiating power for buyers at the upper end.
✅ More competition for affordable properties.
✅ Growing divergence between cities, price points and buyer segments.

Treasury said rents would rise by less than $2 a week.That was Jim Chalmers estimate of the impact of its housing tax ch...
25/08/2026

Treasury said rents would rise by less than $2 a week.

That was Jim Chalmers estimate of the impact of its housing tax changes.

But since the May Budget, the rental market appears to be moving in the opposite direction.
🏠 ABS data shows rents are up 3.6% over the year to June 2026, while housing costs have risen 6.8%.
🏠 Cotality's June Quarter Rental Review shows the national median rent reached a record $705 per week, rising 1.6% in the June quarter alone.

That's around $11 more per week in just three months, already more than five times Treasury's forecast. And the pressure isn't evenly spread.

Some of Australia's largest rental markets are experiencing annual rental growth well above 5%:
🏠 Sydney: median rent $841/week
🏠 Perth: median rent $784/week
🏠 Brisbane: median rent $734/week

For a tenant paying the median rent, a 5% increase equates to roughly:
🏠 For Sydney: 42 per week
🏠 For Perth: $39 per week
🏠 For Brisbane $37 per week

Compare that to the promise of "less than $2 per week."

Meanwhile, NAB, Ray White and major residential property investors have all warned that reducing investor incentives risks shrinking rental supply and placing further upward pressure on rents.

Treasury forecast: $2 per week.
Reality: rising rents, weaker investor participation and growing supply concerns.

That's not a forecasting error.
That's a policy failure.

Has housing affordability policy backfired? 🤔The Government wanted to help first-home buyers. But has it achieved the op...
18/08/2026

Has housing affordability policy backfired? 🤔
The Government wanted to help first-home buyers. But has it achieved the opposite?

Since the Federal Budget:
📉 Sydney home values are down 5.3% from their peak
📉 Melbourne values are down 5.5%
📉 Auction clearance rates have fallen below 50%
📉 First-home buyer enquiries are down 15%
📉 Investor lending has dropped sharply
📉 Major banks have reported double-digit declines in home loan applications.

The expectation was that fewer investors would create more opportunities for first-home buyers.

Instead, many buyers appear to be sitting on the sidelines, worried about falling prices and the risk of negative equity.

Affordability matters, but so does confidence.

Have these reforms improved affordability, or simply increased uncertainty?

I'd love to hear your thoughts. 👇

13/08/2026

The Housing Market Is Cooling. The Rental Market Isn't.

This week on Ausbiz, I discussed what could be one of the biggest housing policy experiments Australia has seen in decades.

The focus has been on tax changes.

But I believe the bigger story is what happens to credit, investor participation and rental supply.

We're already seeing: • Slower lending activity
• Softer housing markets in several states
• More cautious buyers
• Rising rental pressure

The challenge for policymakers is simple:

Can Australia improve affordability without discouraging the private investment that provides much of our rental housing stock?

Because while property values may be cooling, rental markets remain under significant pressure.

Housing markets don't run on tax policy alone. They run on capital, confidence and credit.

Watch the full Ausbiz discussion below and let me know your thoughts.

The RBA has left the cash rate unchanged at 4.35%. But uncertainty remains.While headline inflation has eased, underlyin...
11/08/2026

The RBA has left the cash rate unchanged at 4.35%.
But uncertainty remains.

While headline inflation has eased, underlying inflation remains stubborn, meaning the prospect of further rate rises cannot be completely ruled out.

At the same time, Australia's property market is beginning to soften as higher borrowing costs, affordability pressures and recent Federal Budget tax changes weigh on buyer and investor confidence.

Property markets are behaving very differently across the country, creating both challenges and opportunities for homeowners, investors and buyers.

In environments like this, trying to predict the next RBA move is far less important than ensuring your strategy is aligned with your goals.

Now is a good time to:
✅ Review your lending structure
✅ Check your offset account is working as intended
✅ Assess refinancing opportunities
✅ Understand your borrowing capacity before making your next move

In today's market, preparation beats prediction, and strategy matters more than timing.
Michele Bullock's media conference can be viewed here: (https://rba.livecrowdevents.tv/MediaConferenceMonetaryPolicyDecision11August)
The next cash rate decision will be announced on 29 September.

Buying your first home just got easier... or did it?The Federal Government has expanded its Help to Buy scheme, with 10,...
07/08/2026

Buying your first home just got easier... or did it?

The Federal Government has expanded its Help to Buy scheme, with 10,000 new places available this financial year and higher income thresholds allowing more Australians to qualify.

Since launching in December 2025, the scheme has generated strong demand:

📌 More than 7,200 applications received
📌 Median deposit of just $30,000
📌 86% of applicants were first-home buyers

Under the scheme, the government can contribute up to 40% of the purchase price in exchange for an ownership stake, helping eligible buyers reduce both their deposit and mortgage requirements.

While initiatives like this can improve access to home ownership, they're unlikely to solve Australia's broader affordability challenges, which remain heavily influenced by housing supply, population growth and construction constraints.

Is shared equity a stepping stone into the market, or simply another way of supporting demand in an undersupplied housing market?

03/08/2026

Has Labor made life harder for first-home buyers?

Investors and first-home buyers are now colliding in the very estates that were once considered the natural entry point into the market.

In Anthony Landah, Equilibria Finance' latest interview with Ausbiz, I discuss how changes to negative gearing and investor behaviour may be creating unintended consequences for housing affordability.

While buyers generally have more choice today, rising listings and a softer market don't necessarily mean it's easier to get a foot on the property ladder.

Key talking points:

✅ Investors reportedly shifting from established homes to new builds in first-home buyer estates

✅ Policy changes impacting investor borrowing capacity and potentially affecting future rental supply

✅ Premium housing markets above $2-3 million softening, while affordable segments remain comparatively resilient

The big question: Are these policies improving affordability, or simply changing who first-home buyers are competing against?

🎥 Watch the full Ausbiz interview below and let me know your thoughts.
(https://youtu.be/zKND9RmMDPw)

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