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Falling prices, tighter borrowing – is your strategy ready?

07 SEP 2026 By Robyn Tongol 2 min read Investor Strategy

Property prices are falling, borrowing power is tightening, and the old playbook is losing its edge, forcing investors to rethink their strategy. Here is what to look for.

On The Smart Property Investment Show, SPI managing editor Liam Garman is joined by Andrew Havig, founder of buyer’s agency Arvon Property Group, to discuss where investors could find opportunity as market conditions diverge across Australia.

The pair look at why investors need to look beyond the headlines, with some markets seeing falling prices and softer demand while others remain competitive due to tight housing supply and strong fundamentals.

 
 

When assessing an asset, Havig said investors should take into account intrinsic value, replacement cost, gentrification potential, and local housing supply.

The conversation turns to cash flow and yield, with Havig explaining why investors are increasingly focusing on properties that can remain cash flow neutral or positive, particularly as borrowing conditions become tougher and portfolio growth gets harder.

He also explains why first-time investors should focus on building a strong residential portfolio before moving into commercial property.

If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X and LinkedIn. If you would like to get in touch with our team, email [email protected] for more insights, or hear your voice on the show by recording a question below.

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