Perspectives, July 2026
Proposed SMSF reform, a cooling market and banks divided on rates
Welcome to Lydian Private Office Perspectives, our monthly briefing sharing market insights, lending strategies and real client outcomes for high-net-worth individuals and families.
Each edition brings together practical insights, real transaction experience, and market intelligence from across our network - with a focus on where lending strategy intersects with broader wealth outcomes.
Our goal is simple: to help you make better-informed decisions around lending, property and wealth by sharing practical insights from the market and the transactions we're working on.
Feel free to share this with colleagues, friends or clients who may benefit.
Market Observations
Key Takeaways:
- Proposed end of SMSF residential borrowing from July 2027
- Auction clearance rates fall to six-year lows
- National dwelling prices record a third consecutive monthly decline
- Sydney and Melbourne continue to soften while Perth remains resilient
- Banks remain divided on the path of interest rates