Strong Jobs, Record Prices: Is a Rate Rise Next?

1 月 23, 2026

Australia’s economy is currently a study in contrasts. While record-low unemployment and surging property values in cities like Melbourne and Brisbane signal robust growth, they simultaneously increase the pressure on the Reserve Bank of Australia (RBA). As we approach the February 3 cash rate decision, the "good news" of a 4.1% unemployment rate may paradoxically trigger "bad news" for mortgage holders: a potential 0.25% rate hike. In this volatile environment, the role of a mortgage broker has never been more critical. With 77% of Australians now bypassing direct bank applications, borrowers are increasingly leaning on the "Best Interests Duty" (BID) to navigate rising repayments and find competitive edges in a record-breaking property market.

The Economic Outlook

Australia’s “good news” on jobs may be “bad news” for mortgages. With unemployment falling to 4.1% and 65,000 jobs added in December, the RBA is now more likely to raise the cash rate by 0.25% on February 3.

Market Highlights

Melbourne: A “decisive recovery” with house prices up 7.4% in 2025.
Sydney: On track for a potential $2 million median price within two years.
Brisbane: Explosive growth, with house prices surging $3,800 per week last quarter.

The Mortgage Broker Edge

In 2026, 77% of Australians choose brokers over banks. Here’s why:

Best Interests Duty: Brokers are legally bound to put your needs first; bank staff are not.
Wider Choice: We compare 30–40 brands, not just one.
Better Rates: Access to exclusive “broker-only” pricing.
No Cost: Expert advice is typically free for residential borrowers.

📞 Get in Touch

If you have inquiries about home loans or need assistance navigating the changing financial landscape, contact all seasons. finance. Our experienced team can guide you through the complexities of securing the right loan, refinancing, or planning for future changes in interest rates. Reach out to us today to take control of your financial future.