What financial advisers and mortgage brokers should be discussing with clients right now
If your clients have been trying to make sense of the property market lately, they’re not alone.
Between interest rate movements, budget announcements and a never-ending stream of headlines predicting everything from boom to bust, it’s easy to see why many buyers and investors are feeling uncertain. One day the market is supposedly heading for a correction, the next it’s preparing for another growth cycle. Depending on who they’re listening to, now is either the best time to buy property or the worst.
When you strip away the noise and focus on the fundamentals, a much clearer picture begins to emerge. In fact, for both investors and owner-occupiers, there is a strong argument that quality new house and land packages remain one of the most compelling opportunities available in today’s market.
Understanding the Current Market Complexity
There’s no denying that 2026 has introduced a number of challenges for buyers. The Reserve Bank’s three interest rate increases have impacted borrowing capacity and affordability. Consumer confidence has softened, and many buyers have adopted a wait-and-see approach while they try to determine what comes next.
Layered on top of this was the Federal Budget, which introduced significant changes to the taxation treatment of established residential property purchased after 12 May 2026 in a bid to solve the current housing crisis in Australia. It’s deliberate government policy designed to encourage investment in new housing supply and the tax concessions for new builds are the mechanism it has chosen to incentivise that. Unsurprisingly, those announcements generated considerable discussion across the property industry and left many questioning what the future of property investment might look like.
For advisers and brokers, the message to clients is straightforward: the government has just made new house and land packages the most tax-advantaged residential property investment available in Australia.
Why New House and Land is the Smart Choice for Investors and Owner-Occupiers
The investment case for new house and land remains compelling. Beyond the tax advantages preserved under the Federal Budget, ALC’s carefully selected growth corridors continue to deliver strong rental demand and attractive yields. New builds also attract maximum depreciation benefits in the early years of ownership, creating a cash flow advantage that established properties simply can’t match.
For owner-occupiers, the current market has quietly become more accessible than it’s been in years.
The expanded First Home Guarantee allows eligible buyers to purchase with just a 5% deposit backed by a government guarantee, while the Help to Buy scheme enables the federal government to contribute up to 30% of the purchase price. Both schemes are well-suited to new house and land packages, where prices in growth corridors regularly sit within eligibility thresholds that established properties in major capitals have long since left behind. For clients priced out of Sydney or Melbourne, a new house and land package in a well-selected growth corridor may be the most realistic path to homeownership available right now.
How ALC Helps Partners
Whether the client is an investor or an owner-occupier, ALC’s approach to house and land is built around the same foundation: ten years of relationships, live market intelligence, and project access that channel partners can’t easily replicate elsewhere.
Every project is assessed against a consistent set of fundamentals: population growth, infrastructure investment, employment diversity, rental demand and supply constraints, and live market data is used to help developers build for genuine buyer demand. The result is new house and land packages that are built for the markets they’re in, not sourced from a generic catalogue. For channel partners, that translates into less friction in the client journey, cleaner timelines, and a turn-key experience designed to protect both the client relationship and the adviser’s reputation long after settlement.
For advisers and brokers, this means greater confidence when discussing property opportunities with clients. It means knowing there is a research-driven rationale behind every recommendation and a team committed to supporting both the adviser relationship and the client outcome.
To learn more about current opportunities or how ALC can support your client conversations, reach out to the ALC team today.
