Rate cuts are now a 2027 story.
Rents are not waiting.

The same economists who spent July debating a fourth rise now agree on two things. The cash rate holds at 4.35 per cent through 2026. The first cut is a 2027 story.

So the plan of waiting for cheaper money just grew by a year. The rental market did not join the queue.

The cash rate moves the cost of money. It does not build a single home.

Set the commentary aside and look at the scoreboard. What Wednesday’s release settled, against what it did not touch.

These are the latest figures.

Source: ABS Consumer Price Index, June quarter 2026; market pricing following the 29 July release; major-bank rate outlooks, July 2026; Brisbane vacancy and rent data to June 2026.

Nothing in Wednesday’s number builds a home. Holding costs have stopped rising. The shortage of places to live has not stopped tightening. Brisbane vacancy sat at 0.9 per cent in June and rents grew 6.4 per cent over the year — through three rate rises.

A year of waiting has a price. An investor who sits out until the first cut arrives gives up a year of that rental growth and buys into a deeper shortage — likely against more competition, because everyone else’s plan says 2027 too.

The question this week is the same as last week. Does the asset pay for itself at today’s rates? If it does, an August hold changes nothing, and whenever the first cut lands it goes straight to the cash flow.

This is why we buy cashflow first, always. An asset that carries itself at today’s lending rates — the rate the bank actually charges, not the cash rate — needs nothing from the Reserve Bank. The asset pays for itself. And when rates come down next year while the rent keeps climbing, the same numbers improve from both ends — the income rising as the biggest cost falls. How good does that asset look then?

In the markets we buy, rents are growing faster than holding costs, and vacancy under one per cent keeps it that way. If you want a second pair of eyes on your numbers before the Board meets on 11 August, the booking link is below.

The Free Guide Property investing just changed. For a generation. This is not another rate cycle. Negative gearing, SMSF lending, depreciation — the old playbook has been rewritten. The opportunity has not disappeared. It has moved. I will show you where. Get the Free Guide

If you want to know where the shortage is tightest and the stock is underpriced, call or text me direct on 0418 813 825 — or

Because in the end, this was never really about property.

It is about freedom. Property is simply the vehicle, and while supply stays this far behind demand, it remains the most dependable one we have. The commentary will keep churning. The fundamentals underneath have not moved.

Bricks and mortar keep paying the income, building the equity and funding the life you actually want. The people who keep building quietly through the noise are the ones who end up free.

To your freedom,

Investor  ·  Developer  ·  Qualified Valuer

Mobile: 0418 813 825  ·  colemaninvest.au

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