Anthony Landahl

My instinct is they're going to put rates up in March and in May.

So we're looking at potentially 50 basis points to knock this on the head as quickly as they can.

They had inflation get out of control a couple of years ago, and I don't think they want that to happen again.

Yeah, I think as an asset class, whether it's periods of global instability or in Australia, the ongoing capital growth property is seen as a good long-term stable investment.

Obviously, we're seeing a lot of fluctuation across the share markets at the moment with the Iran conflict, and that might be short-term lived.

But as you commented on, investors are back.

They're now some 40% of credit flows back.

To give an example, first home buyers are around 20 odd percent.

So investor activity at the moment is double that of first home buyers.

And it really is driven by the growth in home values and in capital values.

I guess there is some potential changes to CGT on the horizon in May.

which may have some impact on new investors or those building a portfolio.

But right now, investors are back.

The other thing investors are doing is they're fishing in the same pond as first home buyers.

That $1 million property mark and under is very attractive to investors and is often the price point for first home buyers.

So it's making those markets very, very buoyant at the moment.

Yeah, we've absolutely seen a tightening in credit policy and navigating the banks.

That is impacting what some people can do.

One of the ones you noted was more cautionary approach around debt to income ratios.

We're also seeing a more cautionary approach around low deposit loans or higher loan to value ratio loans.