Australia Property Market 2026: Inflation High, Rates Stuck—Now What?

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down why the RBA has held interest rates, why inflation remains stubbornly high, and what this really means for Australia's property market moving into 2025 and 2026.

We unpack the key drivers behind the RBA's decision, including rising electricity prices, cost-of-living pressures, and why rate hikes don't always fix inflation. The discussion also dives into the latest APRA changes, including debt-to-income (DTI) limits, tighter trust lending rules, and how these policies could impact investors, first-home buyers, and affordability across Australia.

🏠 If you're buying, investing, or refinancing, this episode gives you a clear, no-nonsense breakdown of what's changing — and what actually matters.

🔍 Key Topics Covered

 📌 Why the RBA held interest rates again

 📌 Inflation explained – electricity prices & cost-of-living pressure

 📌 APRA's new debt-to-income rules (DTI caps)

 📌 Trust lending crackdown & investor risk

 📌 Help to Buy scheme & shared equity risks

📌 What this means for first-home buyers & investors

 📌 Australia property market outlook for 2025–2026