The Follio Property Podcast

A Major Warning for Property Investors in 2026: The Rules Just Changed

10 snips
Dec 9, 2025
Discover the shifting landscape of Australia's real estate market as it hits a staggering $12 trillion in mortgage debt. Learn about the implications of a 5% deposit scheme and skyrocketing investor lending, which now comprises 40% of all loans. The risks associated with off-the-plan properties and the potential for rising interest rates are also explored. Amidst these changes, find out how to choose the right buyer's agent and navigate the emerging pitfalls in 2026.
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INSIGHT

Housing Is Australia’s Dominant Wealth Bet

  • Australian residential real estate is now a $12 trillion asset class, far larger than the ASX or superannuation.
  • Lachlan Delahunty warns this concentration makes Australians overexposed to housing risk entering 2026.
INSIGHT

First-Home Cap Fuels Short-Term Price Jumps

  • The expanded first-home buyer cap has already pushed prices up, especially under the cap price points.
  • Developers and builders often pass grants and caps into higher listing prices, reducing consumer benefit.
ADVICE

Look Above The Cap For Better Value

  • If you can, target properties 10–30% above the first-home cap where value per dollar is often better.
  • Avoid competing directly in the saturated capped price segment unless you can validate demand from owner-occupiers.
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