Inflation has ticked up again, and it’s not exactly the news anyone wanted to hear. The RBA data points to a stickier inflation trend than expected, which makes it unlikely that we’ll see a rate cut before the end of the year. But while it might sound negative, there’s another side to the story.

If you’re looking to buy, this could actually be an opportunity.

Why Inflation Matters For Property Buyers

When inflation rises, the Reserve Bank tends to hold off on cutting interest rates to keep spending in check. But the good news right now is that we’re also not seeing another rate rise. That pause creates a bit of balance in the market.

Without another increase, the pace of property price growth tends to ease off, and competition among buyers starts to cool. In other words, there’s less frenzy. For anyone who’s been watching from the sidelines, this can be a smart moment to make your move while conditions are steadier and stock levels are improving.

It’s not about timing the market perfectly, but about recognising when the conditions are working in your favour.

A Small Window Before Christmas

If you’re aiming to buy and settle before Christmas, the window is closing fast. Lenders, conveyancers, and settlement teams are already getting busy heading into the end of the year. Acting now gives you time to secure finance, finalise your purchase, and start the new year in your new home.

At MAW Money, we’re seeing clients take advantage of this quieter stretch to negotiate better deals and avoid the competition that usually heats up once rate cuts or strong market forecasts return.

Don’t Forget Existing Mortgage Holders

And if you already have a mortgage, this is your reminder not to sit still. Rising inflation doesn’t mean you should avoid reviewing your loan. In fact, it’s the perfect time for a mortgage health check.

Lenders are constantly adjusting rates, and there are still plenty of competitive offers in the market. Even a small drop in your interest rate can make a big difference to your monthly repayments and long-term interest costs. Many homeowners are surprised to find they’ve been sitting on a rate that’s no longer competitive simply because they haven’t reviewed their loan in over a year.

A quick health check can uncover whether there’s a better deal available, and we’ll do the legwork to find it for you.

Making Smart Moves In Any Market

Whether you’re buying your first home, upgrading, investing, or reviewing your current mortgage, the key is to stay proactive. Economic headlines can be overwhelming, but they don’t always tell the full story.

Inflation may be up, but opportunities still exist for those who understand how to navigate the market. If you’re ready to take the next step before the year wraps up, reach out to the MAW Money team.

We’ll help you make smart, confident moves no matter what the market’s doing.