The Reserve Bank of Australia has increased the official cash rate by 0.25% to 3.85%, marking the first rise of 2026 in response to ongoing inflation pressures. This adjustment will influence mortgage repayments, borrowing capacity, and buyer sentiment — but it does not diminish the strong fundamentals of the Sunshine Coast property market.
Implications for Buyers
- Borrowing costs will increase slightly. For example:
- $500,000 loan → approx. $79 extra per month
- $600,000 loan → approx. $94 extra per month
- $900,000 loan → approx. $142 extra per month
- $1,000,000 loan → approx. $157 extra per month
- Buyers should:
- Review borrowing capacity with their lender
- Obtain pre-approval before searching
- Focus on properties that meet long-term lifestyle and financial goals
Despite the rate rise, buyers remain active, especially in high-demand lifestyle areas such as Buderim, Bokarina, Mooloolaba, and surrounds.
Implications for Sellers
Some buyers may pause, but well-presented, strategically marketed homes continue to attract strong interest.
Key considerations for sellers:
- Accurate pricing based on current market conditions
- Professional presentation, including photography and marketing
- Targeted buyer engagement to maximise demand
Strong local demand, tight supply, and desirable lifestyle offerings ensure sellers can still achieve positive outcomes.
Market Outlook
The RBA’s rate decision reflects broader economic conditions, including higher-than-target inflation and strong employment data. While higher interest rates influence borrowing costs, the Sunshine Coast market remains resilient. Lifestyle-focused suburbs continue to attract motivated buyers, and well-prepared sellers are in a strong position to transact successfully.
How Amber Werchon Property Can Help
Our team provides:
- Market insights and personalised strategies for buyers and sellers
- Professional property marketing, including photography, video, and targeted campaigns
- Guidance through pre-approval, negotiation, and settlement processes
Whether buying, selling, or planning for the future, we provide the support and knowledge to navigate the current market with confidence.