Property Market Insights After the Royal Commission
If you are a property investor, you probably felt it. 2018 brought uncertainty, fear, and constant media noise around the Royal Commission and its potential impact on property markets.
The finance industry faced intense scrutiny. As a result, many buyers worried lending would dry up completely. Meanwhile, the media amplified fear with terms like FOMO, FOBO, and FONGO.
What Really Happened in Australia’s Property Market?
To be fair, Sydney and Melbourne needed a correction. Years of rapid growth were never sustainable. However, outside these cities, most markets remained stable.
In fact, many regional areas experienced steady performance, with only minor fluctuations. There were no clear signs of a nationwide crash.
Now that the Royal Commission has concluded, the big question is: was the fear justified?
Effects of Lending Changes on Property Markets
For mortgage brokers, the outcome was challenging. Proposed changes are likely to reduce competition and strengthen the position of major banks.
However, for investors, the result is more positive. Importantly, there were no major recommendations forcing banks to tighten lending further.
This means lending will continue, and the risk of a housing market collapse appears low.
What Investors Should Know Post Royal Commission
Investor restrictions are easing, and banks are continuing to lend. As a result, opportunities still exist for those ready to act.
However, upcoming policy changes could affect tax benefits such as negative gearing and capital gains discounts. Therefore, timing may be important for some buyers.
Smart Investment Strategies for Today’s Market
Be practical: Focus on affordable homes that appeal to the majority of buyers. Avoid overpriced properties in declining markets.
Follow infrastructure development: Areas with major spending on roads, transport, and amenities often see stronger growth.
Monitor migration and lifestyle trends: Baby Boomers and remote workers are moving to lifestyle regions, increasing demand.
Choose quality assets: Freestanding homes on land in desirable areas tend to outperform high-density units.
Negotiate carefully: Buyers can secure better deals in the current market by making informed offers.
Why Strategic Planning Is Essential
Not all properties will perform equally. Therefore, research and expert advice are essential when selecting the right investment.
Building a trusted team—including brokers, buyer’s agents, and legal professionals—can help reduce risk and improve outcomes.
Should You Act Now or Wait?
Every investor must decide whether to act or wait. As Warren Buffett suggests, opportunities often appear when others hesitate.
For more guidance, read Property or Shares? What Is the Best Investment? for more investment insights.
You can also explore real estate investing basics for additional insights.
If you’re considering buying soon, check out our guide:
6 things to consider before buying property.
Explore our buyer’s agent fees, service inclusions, and how we support clients throughout their property journey.
