National house prices hold at a median of $973,000, yet transaction volumes are stalling. Learn how to pivot from "transactional acquisition" to "active database mining" in the 2026 lending landscape.
Historically, prices and volumes move in tandem. But in 2026, high equity is keeping prices up while the RBA's 3.85% cash rate has "stuck" households in place, creating a massive bottleneck for new deal flow.
Strategic responses for solo brokers and growing firms.
Serviceability constraints reduce "willingness to move".
"Refinance for Retention" campaigns to buffer against 3.85%.
Tight inventory slows the selling-to-buy chain.
Target "Rightsizing" opportunities for debt-free older clients.
High equity creates "Mortgage Prisoners".
Utilise 1% serviceability exceptions for simple refinances.
Vacancies at 1.2% drive investor yields.
Build "Investment Strategist" branding to attract equity.
Moving from clickbait to demonstration of expertise.
Protecting your volumes during a transactional drought.
Automated educational content focusing on the lending process and policy changes. Build trust, not deals.
Personal outreach to "stuck" homeowners. Discuss long-term property goals over current rates.
Activate specific triggers: First-home grant changes, tax time for investors, or serviceability exceptions.