The Biggest Opportunities for Homebuyers and Investors in 2026
Despite affordability pressures, 2026 presents strong opportunities for strategic buyers and investors.
1. Rising Rental Demand Makes Investing Attractive
Population growth and tight vacancy rates are driving intense rental competition — up to 40–50 applicants for a single property in some areas.
This makes well‑located investment properties particularly appealing.
2. “Suburbs to Watch” in 2026 Offer Strong Value
LJ Hooker’s analysis identifies growth‑aligned suburbs with strong demand, lower relative prices, and improving infrastructure — such as St Marys and Leppington in NSW. These areas appeal to first‑home buyers, investors, and upgraders due to affordability and major transport expansion.
3. Government Schemes Continue to Boost Buying Power
Programs such as the expanded Home Guarantee Scheme (5% deposit) continue to bring forward buyer activity and support demand across market segments.
4. Refinancing Opportunities Remain Strong
Refinancing activity is expected to rise 15% year‑over‑year through 2026 as homeowners seek better rates and improved loan features.
Why this is good news
- Many borrowers are still on “loyalty tax” rates higher than new‑customer offers.
- Brokers can secure sharper pricing from competitive lenders.