Perspectives, June 2026

Budget reforms not yet law, but lender servicing has already changed

June 202611 min readFor clients and partners

A long row of identical two-storey terrace houses with iron balconies running to the vanishing point down a quiet street in low sun.

Welcome to Lydian Private Office Perspectives, a monthly briefing designed for clients looking for clarity on the market, lending environment and opportunities to build, protect and pass down wealth.

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 equip you with ideas, structures, and conversations that help you navigate important financial decisions with confidence.

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In this edition

Market ObservationsA breakdown of the Federal Budget reforms impacting high-net-worth families and what they could mean for wealth creation and succession planning. Also, observations in auction markets and interest rate expectations.
Case StudyHow we helped a Senior Legal Partner simplify a $7.2m property portfolio, release $2m in equity, and improve flexibility through strategic restructuring and lender selection.
Rate CardA snapshot of current bank pricing, RBA positioning, and BBSW movements.
Team InsightsHow lenders have responded to the proposed negative gearing reforms, what servicing changes are already occurring, and the implications for investors moving forward.
Partner FocusLauren Staley from Infolio Property Advisors shares why periods of uncertainty can often create the best buying opportunities, and what she's seeing on the ground across the Melbourne property market.

Market Observations

Key Takeaways:

Budget reforms remain proposals, not legislation
Lenders have already updated servicing policies for investors
Auction clearance rates have fallen to six-year lows
Markets expect the RBA to pause rates in June
New-build property remains the major winner from proposed tax reforms