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Sales volumes are rising while price growth remains modest. For first home buyers in 2026, this stabilising phase may offer better negotiating conditions before competition and confidence return.
Property prices may be stabilising, but in 2026 borrowing capacity is the real constraint. Income growth, DTI limits and serviceability buffers now shape purchasing power more than modest rate moves.
With inflation easing and rate cuts expected, many borrowers are tempted to wait. But mortgage pricing moves on market expectations, not OCR headlines. By the time a cut is confirmed, much of it may already be priced in. In 2026, structure and risk management matter more than trying to time the bottom.
