The property market shows remarkable resilience despite interest rate increases from historic lows of 1.98% to current rates of 6.4% for owner-occupied and 7% for investment loans. Market sentiment is improving with the recent rate cut, creating both challenges and opportunities for prospective buyers.

• Interest rates have increased dramatically since COVID yet property markets remain strong
• Many markets including Adelaide, Brisbane, and Perth continue to show positive growth
• Fixed rates used to be lower than variable, but the situation has now reversed
• Best time to buy is "when you can" rather than waiting for perfect conditions
• Increased competition expected when the next rate cut occurs
• Self-Managed Super Funds (SMSFs) becoming increasingly popular for property investment
• Different ownership structures emerging including corporate trusts for asset protection
• Positive cash flow investments harder to find but still achievable with larger deposits
• Banks continue to offer numerous lending options despite tighter conditions
• Many borrowers unaware of their current position or available options

Contact Fadi Youssef - Powerloans - Mortgage Broker to understand your borrowing options and ensure you're getting the best possible interest rate on your existing loans.

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