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For many property investors, 2025 offered compelling reasons to buy.

The cash rate came down three times and property prices soared in many markets, driven by lower rates, tight housing supply and government incentives. Meanwhile, rents continued to climb across much of the country.

So, following February’s cash rate increase, what might investors expect next? Below we explore key investment property trends likely to shape the market in 2026.

Uneven price growth across markets

National home values are projected to continue to rise, but growth is unlikely to be evenly spread.

Insights from Cotality’s Decoding 2026 report show that 87% of real estate agents and financial professionals across the property and finance sectors expect dwelling values to rise over the year ahead, while only 3.5% anticipate prices to fall.

Queensland, Western Australia and South Australia are considered the most bullish markets, with strong price performance supported by high population growth and limited supply.

Looking ahead, Perth, Adelaide and Brisbane are expected to outperform Sydney and Melbourne, where price momentum softened towards the end of 2025.

Increased demand for dual-occupancy properties

Properties that can accommodate multi-generational living are expected to be in high demand throughout 2026.

As both housing prices and rents rise, more families are choosing to live together, making dual-occupancy homes particularly attractive to investors. This includes properties such as a main residence with a granny flat, duplexes, side-by-side townhouses, or homes with a detached studio or cottage that functions as a second dwelling.

These types of properties can offer investment benefits, including higher rental income, greater flexibility and reduced risk.

An uptick in regional investing

Investors seeking value outside the capital cities may have regional areas on their radar in 2026.

Regional markets often offer lower entry costs than capital cities, high rental yields, and the opportunity for investors to diversify their portfolios across geographic locations.

In terms of price growth, regional areas have remained comparatively strong, yet they’re still feeling some pressure. Flexible working arrangements and lifestyle migration has meant more people are thinking of moving to regional areas, increasing demand for housing.

In 2025, regional dwelling values rose 9.7%, compared to 8.2% across the combined capital cities. Western Australia stood out, with a 16.1% annual increase, followed by regional Queensland, which saw values rise 12.6%. Regional Victoria had the lowest growth, up 6% in 2025.

Energy efficiency a priority

Energy efficiency and climate resilience are becoming increasingly important considerations for investors.

Properties with features such as solar panels, battery storage, electric vehicle charging, quality insulation and smart energy management systems are expected to be more appealing to tenants in 2026, which in turn can enhance long-term investment appeal.

Young buyers looking to rentvest

Rentvesting is expected to gain further momentum in 2026, particularly among younger buyers navigating affordability challenges.

Rentvesting involves renting in a location that suits your lifestyle, while purchasing an investment property in a more affordable area with the potential for solid rental returns.

This approach can suit buyers who value flexibility and lifestyle, are priced out of their preferred suburb, but still want to build wealth through property ownership.

Thinking about investing?

With the right knowledge and support, property investors can navigate 2026’s property market with confidence and take advantage of emerging opportunities.

If you’re considering purchasing an investment property this year, get in touch. We can help you understand your borrowing capacity, compare lender options and structure your finance to support your long-term investment goals.

Nothing compares to that feeling of buying your first home. If you’re planning a 2026 property purchase, saving the deposit is often one of the biggest hurdles. Careful planning and perseverance can play a role in working towards this goal.

Here are some tips to help you work towards your savings target.

Set a savings goal

The first step is to work out how much you’ll need for your deposit. Check out what properties in your preferred suburbs are selling for, and from there, you can work backwards and estimate the amount of deposit you’ll require.

You may like to look into the Australian Government’s 5% Deposit Scheme, which allows eligible first-home buyers to enter the market with just 5% deposit. If you’re not planning to use the scheme, aiming for a 20% deposit may help you avoid lenders’ mortgage insurance (LMI).

Create a budget

Next, create a monthly budget. This can help you to understand how much you may be able to save.

Factor in your total monthly income after tax, then list all of your expenses. Don’t forget to include regular costs like rent, utility bills, insurance, and streaming services, as well as unexpected expenses like your car repairs.

There are loads of budgeting tools available to help with tracking expenses. Some apps even break down and track your expenses as well as provide suggestions to help you work towards your saving goals.

Automate your savings payments

If you don’t have a separate savings account yet, opening one may be a useful first step – for example, an account that offers interest and has low or no ongoing fees.

Setting up an automatic monthly transfer may help you build savings over time, with less day-to-day effort.

A strong savings track record is something lenders look for when assessing home loan applications, so this habit may be relevant when you’re preparing to buy.

Reduce spending

If you’re looking to make progress towards your savings goals, you may need to cut down on discretionary spending. That might mean saying goodbye to your gym membership and instead exercising outdoors. Joining the local library instead of buying books new. Or cutting down on meals out and limiting entertainment such as streaming services.

There are also ‘no spend challenges’ shared on social media, such as limiting clothing purchases for a period of time or reducing how often you eat out. Some people find these approaches to be helpful when reviewing their spending habits.

Ways to increase income

Some people consider ways to generate additional income when working towards a savings goal. This might include options such as tutoring, taking on additional hours at work, or exploring a side project.

You may also choose to review items you no longer use, such as sporting equipment, musical instruments or collectibles, and consider whether selling them aligns with your circumstances. Small amounts can contribute towards a savings goal over time.

Talk openly about your goals

Talking to your family and friends about your home buying goals can be helpful for some people in staying mindful of their plans. Social catch ups might look a little different in 2026, such as more dinners at home with friends rather than going out. Over time, these adjustments may support your savings efforts.

Being prepared

Buying your first home is exciting, and we’re here to provide information and support throughout the process.

As your finance broker, we can help you understand how much you may be able to borrow, explain the costs involved in buying a home (such as stamp duty and legal fees), and discuss finance options including pre-approval.

We can also explain whether you’re eligible for government incentives, such as the First Home Owner Grant or the First Home Super Saver Scheme. And if your deposit isn’t quite there yet, we can talk through what alternative options could be available to you.

Get in touch if you’d like to discuss your options.

Property investment looks different for everyone, with no single approach suiting every situation. As market conditions, lending rules and affordability, continue to change, planning and preparation are becoming an increasingly important part of the conversation for investors.

With a new year underway, many property investors are reviewing their goals and plans for the months ahead. Whether you already own an investment property or you are planning your first purchase in 2026, these are five key points many investors are keeping in mind.

1. Investment goals and overall strategy

Before diving into property listings, it can be helpful to be clear on what you want the investment to achieve. Some investors prioritise long-term capital growth, others focus on rental income, and many aim for a balance of both.

Your goals will often be shaped by your broader financial position, your risk comfort level and how long you plan to hold the property. These factors can influence the type of property you consider and the strategy that may suit you.

Commonly discussed strategies include buy-and-hold, negative or positive gearing, purchasing new or off-the-plan properties, or renovating to add value. Each option has potential benefits and risks, so it’s important to do your research and get professional advice about which may suit your circumstances.

2. Location and market selection

Where you buy can have an influence how your investment performs over time. Many investors look beyond their own suburb or city and explore opportunities across different markets.

This might include capital cities, regional centres or even interstate options as part of a diversification approach. Regional areas have attracted attention in recent years due to affordability advantages and local economic factors.

Understanding factors such as employment opportunities, infrastructure spending, population growth and rental demand can help you make more informed decisions about location.

3. Affordability and alternative ways to enter the market

Affordability remains a major consideration for investors heading into 2026, which has led many people to think more creatively about how they enter the market.

One approach often discussed is rentvesting. This involves renting in an area that suits your lifestyle, while purchasing an investment property in a more affordable or higher-growth location. For some people, this may offer a way to build a property portfolio without stretching themselves financially to buy where they live.

Exploring different entry approaches can help you consider whether your investment plans fit comfortably with your finances and lifestyle.

4. Focus on preparation rather than perfect timing

Trying to time the market perfectly can be challenging, even for experienced investors. Instead, many investors focus on being financially prepared, so they are able to respond when opportunities arise.

This usually means understanding your borrowing capacity, setting a realistic budget, and allowing for buffers such as interest rate changes, vacancies or unexpected expenses. For some buyers, securing finance pre-approval provides clarity and confidence before starting their property search.

Being organised and finance-ready can make the process smoother when decisions need to be made.

5. Professional support and reliable advice

Property investment involves more than just choosing a property. There are lending, tax, legal and ongoing management considerations to navigate along the way.

Many investors choose to work with professionals such as mortgage brokers, accountants, financial advisers, real estate agents, conveyancers and property managers. Each can play a role in helping you understand your options and navigate decisions along the way.

Having the right team around you can provide reassurance and help you move forward with more confidence.

Ready to explore your property plans for 2026?

Whether you are planning your first investment or reviewing an existing portfolio, understanding your finance options is a crucial step.

If you would like to discuss your borrowing capacity, equity position or pre-approval options, get in touch today. We are here to provide clear, straightforward guidance and help you move forward with confidence as you plan your property journey for 2026.

As interest rates shift and the property market evolves, your mortgage may not be something you set and forget. Just like your financial goals, your home loan needs can change over time, which is why it’s worth checking in regularly.

If you haven’t reviewed your loan in a while, now could be a good time to do a quick health check. Read on to see what your home loan health check could uncover.

Why reviewing your home loan matters

What worked when you first bought your home might not be the best fit anymore. A home loan review can help you assess where things stand today and whether there’s room to improve.

Here’s what you might uncover:

1. More competitive rates

Lenders are constantly updating their rates and offers. You might now have access to a more competitive offer than when you first signed your loan, potentially saving you interest over the life of the loan.

2. Lower monthly repayments

Securing a lower rate or adjusting your loan structure can reduce your repayments and free up extra cash. This can give you more room in your budget or allow you to redirect funds toward savings or investments.

3. More suitable loan features

Offset accounts, redraw facilities, and flexible repayment options can influence how effectively you manage your mortgage. These features can help you reduce interest and gain more control over your day-to-day finances.

4. A loan structure that fits

As your goals change, your loan should evolve with you, and changes in your equity position may allow you to restructure your loan more effectively. Whether that’s accessing equity for renovations or investments or rebalancing your loan to better match your long-term goals.

5. Simplified finances through debt consolidation

If you’re juggling credit card debt or personal loans, rolling them into your mortgage could reduce your overall interest rate and make repayments more manageable, giving you a clearer financial picture.

6. Improved equity position

As your property value grows and your loan balance reduces, your loan-to-value ratio (LVR) may improve. A lower LVR may provide more competitive rates, reduce or eliminate lenders mortgage insurance (LMI), and open up more refinancing options.

Small changes may help to reshape your financial future

Even if your loan seems to be running smoothly, reviewing it regularly may highlight areas to consider. Small changes such as discussing competitive rates or adjusting your repayment frequency (for example, switching to fortnightly payments) may affect your loan over time.

Too often, homeowners stick with the same loan for years without exploring other options. A home loan health check gives you the chance to stay informed and make sure your mortgage still aligns with your lifestyle and financial goals.

Ready to review your loan?

Your mortgage is one of your larger financial commitments, and it may benefit from regular review. As the market shifts and your personal circumstances evolve, a review may help you consider your available options.

Reach out if you’d like a home loan health check to see whether your loan still aligns with your current circumstances.