18/09/2026
A rate hike does not change every property equally.
Markets were pricing an 87% probability of an RBA increase at the 29 September meeting, according to ABC News reporting on 17 September. That probability can move, so it should be treated as a live market signal rather than a certainty.
Single-income rentals feel the pressure quickly when borrowing costs rise. A property with multiple leases may have a wider income margin, but only when the design, approvals, management and tenant demand work.
The strategies to compare are:
• Rooming houses with separate room leases.
• Co-living with private rooms and shared amenities.
• Dual living with two usable living zones.
Test net income after vacancy, management, utilities, cleaning, repairs, insurance, compliance, finance and construction costs. Any yield range is indicative gross only, not a promise.
At AZ Property Solutions, we provide a complete done-for-you model. From land selection to build completion and tenant placement, we manage the entire process for investors across Melbourne with the help of internal and our external partners team.
Disclaimer: This information is general in nature and does not constitute financial or legal advice. We recommend consulting with a qualified professional before making any investment decisions. All informations collected here from available online data
Which assumption would you revisit first in a rate-sensitive property model?
