It feels like Christmas was about five minutes ago, and now Coles is already stacked with hot cross buns.
Whether you're ready or not, Easter is only about six weeks away. Which means we're officially in that sweet spot of the year. Everyone's back into routines, school's settled, and the Saturday open homes are busy again.
If you've been thinking about buying or selling in 2026, this is actually a pretty good window. There's still plenty of time to prep, list, negotiate, and even settle before the Easter break if you get moving now.
Let's talk about everyone's favourite topic. Rates. With the latest increase, everyone's talking about them, so stay with us. We'll try to keep it painless.
At the start of February, the RBA lifted the cash rate by 0.25% to 3.85%, the first increase in over two years.
Now, context matters. Historically speaking, 3.85% is still relatively low compared to long term averages (we've lived through much higher). But even small movements can chip away at borrowing power for some buyers.
There's also talk that we could see another move or two later this year, depending on inflation. Nothing dramatic, but enough to make buyers and sellers pay attention. And give everyone something to debate at BBQs.
So, what does that mean in the real world? If you're a buyer, it's worth checking in with your broker to make sure your borrowing power hasn't shifted. If you don't have one, we've got some great people we trust and can connect you with. A quick review now can save a lot of stress later.
If you're a seller, this is where timing becomes interesting. Selling while rates are still relatively low, and before any further increases, could mean stronger competition and slightly better purchasing power from buyers. Waiting isn't wrong, but earlier in the year can sometimes give you a clearer runway.
What we're seeing on the ground. January always has that new year energy, but February is when things get real.
Open homes have been solid. Buyers are back out inspecting. Finance approvals are ticking along. It's not frantic, just steady and active. And with Easter six weeks away, there's a natural deadline forming without it feeling rushed.
Whether you're thinking about moving soon or just mapping out the year ahead, February is a good time to have the conversation. No pressure, no dramatic predictions, just a realistic look at where things sit.
If you'd like to chat through your plans, we're always happy to catch up. Coffee optional. Hot cross buns required.
P.S. If the supermarkets can move on from Christmas this quickly, you can probably move on from I'll think about it later. Six weeks goes fast.