RBA Rate Rise Impact on Australian Property Market: Buyer Sentiment, Prices and 2026 Outlook
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What recent changes have impacted the Australian property market?
It's the Real Estate Podcast, brought to you by ANZ Home Loans for financial well-beings. Hey, welcome back to the Real Estate Breakfast as we dissect the Australian property market together. The journey, it is well and truly underway, isn't it, for 2026. We know market conditions are changing constantly, almost on a daily basis. You've got to be on your toes, you know, have your wits about you. Never truer when it comes to the Australian property market. And good morning Eileen in the suburb of Chatswood in Sydney this morning. You have emailed through saying that you are a grandmother. You told us that you never thought that you would be listening to a real estate podcast on how to house your daughter, who is on her own with two children under the age of seven with no home to call her own.
You like the idea of a tiny home, you say, and putting that on your section and And currently you've engaged a builder friend of the family to look into all of this. You listen regularly since your daughter put you on to us and said, keep up the real estate stories. Thank you, Eileen. It is a family of listeners. And people just like you, we appreciate taking the time out to send us an email. If you listen to us, and especially if you are a new listener, let us know what your story is. Our email address is myrealestatepodcast at gmail.com. Eileen, it definitely sounds like you might be ahead of the curve. It is a Friday, February the 13th. If you're having a birthday today, happy birthday to you. You're in good company.
Robbie Williams, the singer, turning 52. Hasn't he always lived at full volume, unapologetically to the absolute max? Now, talking of being pushed, interest rates are back at the centre of the national conversation. Inflation remains persistent. Government spending is under scrutiny and global uncertainty is feeding into the Australian economic outlook. After a period of renewed confidence in property. The recent rate rise has shifted sentiment again. I think it's fair to say that borrowers are recalculating, investors are reassessing risk, and buyers are questioning timing. So let's off the back of that go to Sydney, where Anthony Landau, the Managing Director of Equilibria Finance, is waiting patiently to discuss...
his favourite subject and obsession, the Australian property market. And good morning, welcome into the Friday morning on the Real Estate Breakfast, Anthony.
How are interest rates affecting buyer sentiment in Australia?
Great to be here and a lot of terrain covered there. I'm sure there's a link somewhere between Robbie Williams, Eileen and Housing. But look, what Eileen's talking about is not uncommon now. So it's great to have Eileen listening to the podcast. And it's not as unusual as maybe she thinks around some of the planning people doing now with intergenerational homes, getting family members in with all the affordability challenges. In fact, some of the banks are even adjusting some of their policies around granny flats, tiny homes in properties like Eileen's. So great to have you with us, Eileen, and keep listening. Yeah, exactly right. And only a few months ago, very few economists were predicting another rate hike.
Now the conversation unfortunately has shifted to the possibility of two. Some are even suggesting, economists, three more increases. The data changed and so did the game plan of the Reserve Bank, especially their tone about what might be coming down the road. How did you make sense of what we have seen since the start of the year? Yeah, it's a really interesting one and there's been a lot of discussion around this. And as you say, two to three months ago, banks, economists were forecasting three or even four rate decreases this calendar year. First RBA meeting of the year, we've had the first rate rise since November 2023. Look, I think if we look back, the problem stems from maybe the RBA actually didn't increase our rates high enough.
when we were on a rate increase cycle. We went up to 4.35% cash rate. A lot of other comparable economies, Canada, the UK, the US, even New Zealand, their cash rate was above 5% to 5.5%.
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