Anthony Landahl

Big changes for investors.

That could impact behaviour before the budget and potentially after the budget as well.

Will that slow investors down?

I think the other thing is investors are incredibly good at finding opportunities.

We've got cooling markets in Sydney and Melbourne.

We've got markets in Brisbane, Adelaide and Perth cooling.

Investors will find opportunities amongst that, especially with homebuyers backing out.

So I think investor behaviour is going to stay pretty strong and pretty steady.

The way to answer this is a little bit around how we're talking to our clients.

And again, they understand the basics.

Now, if we get one, two, three interest rate rises, we will run a simulation and explain what those repayments look like.

We'll run through, should they fix or should they remain variables?

Because with a cooling market, there will be opportunities for buyers who are ready to go.

Yes, they'll take a more cautionary approach.

Yes, they're aware of some of the global challenges and uncertainty impacting the market.

But when the right opportunity comes up, their approval's in place and they understand what may happen in the future and what they're able to do right now.

And that's how we're trying to help manage this with existing homebuyers and investors, as well as existing clients, just managing some of the questions they have about fixed and variable interest rates.

Educate and inform.

Look, if we look at what Hawkey might think of real estate in isolation, I think he'd have a lot of concerns.

The way the economy is being managed from those days with Hawke and Keating and then Howard and Costello with good, strong economic management is a lot different to how the economy is being managed these days.