RBA & Property Market Update: January 2026

January 9, 2026

RBA Deputy Governor Andrew Hauser warns that while the data is "soft," it is not enough to guarantee a rate cut. The "uncomfortable number" refers to underlying inflation remaining at 3.2%, still above the 2–3% target.

Major banks are split on a February rate hike despite inflation falling to 3.4%, as the RBA warns that “sticky” underlying price pressures mean mortgage relief is likely still months away. Simultaneously, the expanded 5% Deposit Scheme is driving a surge in entry-level property prices by removing income caps and triggering intense competition among first-home buyers. This unique market shift means that while the government is making it easier to enter the market, the increased demand is rapidly pushing the cost of affordable dwellings higher.

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