16/07/2026
🏡 2026 Home Loan Market Insights
With the first half of the year already behind us, the home loan market continues to present opportunities for borrowers.
Here's what I'm seeing:
🏦 Banks are continuing to compete for borrowers. Whether you're buying your first home, refinancing, or your fixed rate is coming up, it pays to compare the bank options available
💰Cashback offers are available across all levels of equity in place. 1%+ cashback offers are available with 20% or more equity for refinancing or new purchase lending .
📅 Large chunk of homeowners have their fixed rate terms expiring the back half of 2026. It's a good time to check whether your current loan still aligns with your financial goals.
🏡 Buyers continue to have more choice than they did during the peak of the market. In many areas, higher levels of housing stock are giving buyers more options and stronger negotiating opportunities.
📈 Looking ahead, lenders are expected to remain competitive. While it is expected interest rates will increase, no one can predict how high they will go. Reviewing your home loan regularly and getting good advice can help ensure you're making the most of the options available.
The biggest takeaway? Don't assume your current bank is your only option. A quick review of your home loan could uncover a more effective structure, a sharper rate, or a cashback that helps reduce the upfront costs of buying or refinancing.
If you're thinking about buying, refinancing, or your fixed rate is coming to an end, I'd be happy to have a chat and help you explore your options.
