Well, here we are approaching the end of another year, and before you know it, we’ll be in the 2030’s!  Which begs the question, what have you been doing to plan for your future?  Because it’s a click of the fingers and that tomorrow is now today.

 

We’ve been spending the last month working with many new investors, as well as welcoming back return customers. It’s been a season of quality conversations, learning and educated decisions. It’s super exciting watching our customers benefit and grow in confidence. In fact, it’s the best part of what we do at YPP.

 

This week, we saw the Reserve Bank of Australia (RBA) hold the December cash rate at 3.60%. Rather than cutting rates again, most of the major lenders have now dropped their earlier forecasts for rate cuts, with many expect the rate to remain on hold throughout 2026.  After the record-low interest rates of a few years ago, followed by a long period of successive rate hikes to combat inflation, the pace of change seems to have slowed.  While we’re not back to the ultra-low and unsustainable rates we once enjoyed, the stability at 3.60% appears to be shaping as the new “normal.” That predictability will bring a degree of comfort and clearer planning for investors.

 

Meanwhile, the YPP team and I have been clocking up the kilometres, travelling across Australia in search of fresh opportunities whilst keeping a close eye on our current projects.  From the warmth of North Queensland to the cool breezes of Melbourne and Tassie, right across to the spirited markets of Perth — we’ve seen encouraging momentum everywhere. Queensland continues to shine, and Victoria… well, let’s just say it’s waking from its nap and stretching its legs again.