Australian Property Podcast One rate hike priced for 2026
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Dec 13, 2025 A potential rate hike looms for 2026, prompting discussions on market psychology and economic challenges. Population growth re-accelerates, intensifying housing demand and rental pressures. The surge in first-home buyer applications has overwhelmed banks, complicating market dynamics. Meanwhile, the booming data centre industry reveals significant spending and energy implications. As seasonal auction patterns evolve, experts analyze the impact of construction constraints connected to upcoming Olympic infrastructure.
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Population Re-Acceleration Tightens Housing Demand
- Population growth re-accelerated through 2025 and international student caps reopening will add further demand.
- That stronger population trend intensifies rental and housing demand pressures nationally.
Rental Tightness Is Both Social And Inflationary
- Vacancy rates are near 1% around much of Australia and rents are re-accelerating.
- That rental tightness is inflationary and harmful for renters, potentially pushing more people toward buying.
First‑Homebuyer Scheme Has Overwhelmed Lenders
- The 5% deposit first‑homebuyer scheme sharply increased application volumes and strained lenders.
- Smaller lenders face the most processing delays and banks may need to amend the scheme in 2026.