Interest rates may be steady, but the smart money is already moving

• The RBA’s decision to hold rates steady signals stability, but investors are shifting toward more deliberate, “conscious” spending and investment choices
• Experts say the next property upswing will arrive after the second or third rate cut, not the first

Special Report: The RBA’s decision to hold rates steady signals stability, but investors are shifting toward more deliberate, conscious spending and investment choices.

Experts say it takes around 12 to 18 months after a rate cut before the full effects flow through the economy.

Rate pause brings calm, not complacency

The Reserve Bank of Australia this week kept the official cash rate steady at 4.35%. While this pause was widely anticipated, many households continue to grapple with high living costs and mortgage pressures.

For investors, the situation remains complex. Inflation is persistent, the labour market is showing signs of easing, and overall confidence has waned. However, property prices continue to climb, with most economists tipping a modest recovery through 2026.

The current landscape leaves many considering whether to wait for cuts, if they’re cut at all, or act before competition intensifies.

The new mood: conscious capital

According to Reventon founder and award-winning entrepreneur Chris Christofi, this is the moment when strategy and discipline matter most.

“It’s still a good time to invest, but it’s an even better time to get a financial check-up,” he says.

“Inflation and rate movements don’t change the fundamentals. They just expose who’s been overspending or overleveraged.”

Christofi calls it the era of conscious investing – a shift away from speculative buying toward measured, informed decisions that reflect how Australians are also becoming more conscious spenders in their daily lives.

“When the RBA eventually starts cutting again, it’s not that first move that reignites confidence. It’s when they make the next rate cut that momentum starts to build. Smart investors position before that happens,” he says.

Inside Reventon’s record year

This year, Reventon has reported growth that stands out amid wider market challenges. The firm has achieved very strong sales results and continues to build momentum despite economic headwinds.

“It’s not luck,” says Christofi. “We’ve become more efficient, more experienced, and our marketing is stronger than ever. The market is buoyant, but execution is everything.”

A major share of Reventon’s current growth comes from returning clients. The average client holds more than two investment properties through the firm, and referrals continue to underpin new business.

“We only ever ask clients to trust us once, because after that our results do the talking,” Christofi says.

He attributes this to a people-first approach, developed over two decades, that supports both long-term retention and positive outcomes.

Outlook: preparing for the next wave

Looking ahead, Christofi sees the likelihood of a more balanced market as inflation settles. “2026 could mark the beginning of a new growth phase,” Christofi notes.

He cautions against chasing trends and emphasises the importance of informed decision-making: “The investors who plan, review their finances and stay consistent will win. Property will always reward those who think long-term.”

This article was developed in collaboration with Reventon, a Stockhead advertiser at the time of publishing.

This article does not constitute financial product advice. You should consider obtaining independent advice before making any financial decisions.