Redlend Weekly 08
Edition 08 - 14 September 2026
I hope you’ve all had a great weekend.
I started the weekend on Friday at the NFL at the MCG an outstanding experience to be a part of Without following it previously, it looks like I’ve jumped on the LA Rams bandwagon and will try to be an active supporter from afar!
I’ve also been working on ways to improve the information and content we provide to our clients and partners on Instagram . With a focus on properties that may be below median price and new owners can add value themselves.
Talk soon!
Adam
This Week…
Property prices are falling — but is it a crash?
Keep an eye on your equity
Unique architectural design in Healesville
Suburb Spotlight in Healesville
Mortgage News
Property prices are falling — but is it a crash?
Australian property prices have now fallen for five consecutive months, with national prices down 2.7% from their March 2026 peak.
That sounds concerning, but looking back over the past four decades provides some perspective.
Australia has experienced 14 national property downturns since 1980, but only seven resulted in falls of more than 1%, and none of those were greater than 6%.
What makes the current downturn different is how quickly prices are falling, particularly in Melbourne and Sydney.
The important question isn't simply “How far will prices fall?” It's what happens next with employment, mortgage arrears and forced sales.
At the moment, there is little evidence of widespread forced selling, and Australia still has a structural shortage of housing. That means the current conditions look more like a housing correction than a housing crash.
For buyers, falling prices can create opportunities, but the right property still needs to stack up financially, and your borrowing capacity matters just as much as the purchase price.
History gives us perspective, not a crystal ball. Source: realestate.com.au, “What four decades of property downturns tell us
Mortgage Tip
Keep an eye on your equity
In a falling market, your property value can change faster than your loan balance. That can have a direct impact on how much usable equity you have available.
If you're planning to renovate, buy another property, invest or refinance, don't assume you have the same borrowing position you had 12 months ago. A change in your property's value, combined with changes to your income, expenses and lender policies, can all affect what you can access.
On the flip side, if you've owned your property for a number of years and the value has held up well, you may have more options than you realise. A current valuation can give you a much clearer picture of where you stand and what you could potentially do next.
It’s worth reviewing your position before making your next move, rather than finding out how much equity you have after you've already found the property or started planning the renovation.
Property Spotlight
Healesville - Victoria
This one caught my eye...
Every now and then a property comes along that's a little different from the usual listings.
This 5,036m² property in Healesville has a unique architectural design, established gardens and orchard, mountain views and a home built with features including straw-bale walls, double glazing and curved design elements. It's currently listed at $1.2m–$1.3m.
It's a good example of why I like looking beyond the headline price. The question isn't simply whether a property is expensive or cheap, it's what you're actually getting for the money and whether it fits your plans.
And from a finance perspective, unusual properties can sometimes require a little more thought around valuation, property type and lender policy.
That's where getting the finance strategy right before you buy can make a big difference.
Here is what the numbers could look like…
Approximate numbers for general information only, this is not financial advice and individual circumstances will vary.
Assume a Sale @ $1,150,000
A Deposit @ 20% = $230,000
Stamp Duty & Government Fees @ $40,303
Conveyancing & Building Pest Inspection @ $3000
Savings or Equity Required $279,303
Monthly Repayments @ $5815
Based on 6.3% Interest Rate, 30 years, Principal & Interest
Suburb Spotlight
Healesville
Healesville continues to offer an interesting mix of lifestyle properties, established homes and more affordable options compared with many of Melbourne's eastern suburbs.
The suburb currently has a population of around 7,600, with 80% of homes owner occupied. The average length of ownership is also relatively high at around 15 years, suggesting a well established local community.
For houses, the median sale price over the past 12 months is around $805,500, with the middle 50% of sales falling between approximately $706,000 and $965,000.
There is also a noticeable range in the type of property being sold. Recent sales include homes around the $620,000–$680,000 mark, while larger lifestyle properties have sold for well over $1 million, including one recent 2.12-hectare property selling for $1.52 million.
The rental market is also worth watching, with recent house listings ranging from around $550 to $850 per week, depending on the property and land size.
Healesville isn't necessarily a suburb I'd describe as a high population growth story. Instead, its appeal is more about lifestyle, land, established homes and the potential to add value.
For buyers prepared to look beyond the renovated properties, there may be opportunities to find an older home, improve it and create something significantly more appealing to the next buyer.
As always, the suburb is only part of the story. The individual property, purchase price and what you can do with it are what really matter.
Property data supplied by Cotality. Figures current as at 13 September 2026 and provided for general information only, not personal financial or property advice. If you would like your own free property report, please email me below.
Request a Free Property Report
Lets Talk Property
Whether you're buying your first home, refinancing, investing or just looking for some guidance, I'm always happy to have a conversation.
No pressure. No obligation. Just honest advice to help you make informed property decisions.
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