That's what brokers and borrowers are working through right now. Join Broker Daily's Julian Barnes and Finni brokers Eva Loisance and Costa Arvanitopoulos to unpack a housing market moving at completely different speeds. Auction clearance rates are easing, and borrowing power is tightening, but beneath the surface, the divide is growing. Some cities and regions are still surging, units are outperforming houses, and affordability pressures are reshaping what buyers are willing – and able – to purchase. At the same time, owner-occupiers are hesitating under rate pressure while investors are stepping in, targeting yield, negotiating harder, and capitalising on less competition. From rising HEM benchmarks and shifting lender policy to the surge in investor activity and alternative strategies like granny flats, this episode breaks down where opportunity is shifting – and how a fragmented market is redefining risk and reward.

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