The Reserve Bank of Australia (RBA) has made its final decision for the year, holding the official cash rate steady at 3.60% . For many, this might signal a market that’s stabilising. At Calla Property, we see it through a different, data-driven lens: This is the calm before the next acceleration . What's behind this decision is the recent shock uptick in inflation. Once this settles down, interest rates are likely to start declining again. Our Strategic Takeaway for Investor

The Australian Government’s 5% Deposit Scheme helps eligible first home buyers enter the property market sooner by reducing the deposit needed to just 5% of the property’s value — without paying Lenders Mortgage Insurance (LMI).