Why Finance Is Quietly Becoming the Hardest Part of Buying Property
Finance gets spoken about like it is just a step in the property buying process. Get pre-approval, find a property, sign the contract, settle. On paper, it looks linear and simple. It is not. In reality, finance is quietly becoming the hardest part of buying property in 2026. Not because people are earning less. Not because property is always unaffordable. But because the system behind lending, affordability, and borrowing capacity has become far more restrictive, more technical, and far less forgiving than most buyers realise at the beginning. And that is where the disconnect is happening.
People are still approaching property with an old mindset, while banks are operating in a completely different environment. That gap is what is catching buyers off guard.
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Based on 13 reviews
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Ben is extremely knowledgeable about property investing in Australia. I’ve bought multiple properties through his agency, and he made the whole process smooth and stress-free. He started by understanding my situation and came up with a smart strategy that he fine-tuned along the way.
Ben used solid data to pick the right suburbs based on my goals and budget, and clearly explained why each area was a good choice. He handled almost everything – negotiating the price, building and pest checks, conveyancing, finding a property manager – which saved me a lot of time and effort.
What really stood out was how responsive Ben was. He was always available for a chat and gave honest, open advice every step of the way. I highly recommend Ben if you’re looking for a reliable and professional buyer’s agent.
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We had an outstanding experience working with Ben as our lead buyer’s agent. From the very beginning, his professionalism and deep knowledge of the Australian real estate market stood out. He took the time to understand exactly what we were looking for and consistently presented us with options that fit our budget and preferences.
Ben guided us through every step of the purchasing process with transparency and expertise as this was very new to us. He handled all negotiations with confidence, ensuring we got the best possible deal, and was always available to answer any questions or concerns we had, no matter how small. His local insights were invaluable, especially when it came to understanding market trends, property values, and the nuances of different neighbourhoods.
What impressed us the most was his genuine commitment to our needs. It never felt like we were being pushed into a decision. Instead, Ben gave us the space and time to consider each option, providing helpful advice along the way without any pressure.
His co-ordination with realestate agency, agents, solicitors and all ancillary organisations involved in pre and post purchase was exemplary
We couldn’t be happier with our property purchases and the service we received. If you’re looking for a trustworthy, knowledgeable, and client-focused buyer’s agent in Australia, we highly recommend Ben and Liberate Buyers Agency
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I was looking to purchase my first investment property and didn’t know where to start. After meeting with several buyers’ agents, I found Liberate Buyer’s Agency to be a breath of fresh air! They were 100% transparent throughout the whole process, had a competitive fee, addressed every concern or question I had, and took the extra time to ensure I understood everything. I started with very minimal knowledge about property investing and came out the other side with more knowledge than I know what to do with! I could not recommend a better agent. I will definitely be coming back for future purchases.
Nidhi | Equity gained: $1.4 million
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