Ray White Upper North Shore

As we move through April 2026, the Upper North Shore property market is transitioning into a more strategic and segmented environment, shaped largely by economic conditions rather than any change in underlying demand. Over the past 12 months, we’ve seen a moderate adjustment in pricing, with many homes now trading approximately 4–8% below peak levels. This shift is consistent with broader Sydney trends, where higher interest rates have reduced borrowing capacity by an estimated 10–15% for many buyers, directly influencing how they participate in the market. Importantly, this is not a demand issue. The fundamentals of the Upper North Shore remain exceptionally strong, supported by leading schools, transport infrastructure and long-term owner-occupier appeal. We are now seeing demand concentrate at specific price points. Research shows that lower and mid-priced segments are currently outperforming premium markets, with more affordable homes experiencing stronger competition due to constrained borrowing capacity. This is creating a clear divide across the Upper North Shore. Homes that are well-located, well-presented and priced in line with current expectations continue to generate strong engagement, often attracting multiple buyers early in a campaign. In contrast, properties positioned above market expectations or requiring significant improvement are taking longer to transact. Inflationary pressures and rising global energy costs are increasing the likelihood of interest rates remaining higher for longer, which will continue to shape buyer confidence and borrowing power throughout 2026. We are expecting a gradual increase in stock levels as some households and investors respond to higher holding costs. More supply will create greater choice for buyers and reinforce the importance of strategy for sellers. Last quarter I continued to deliver premium outcomes for homeowners across the Upper North Shore through strategic marketing, tireless negotiation, and an unmatched local network. My highlights included: Properties Sold: 9 Total Sales Volume: $33,913,000 New Benchmarks: One street record broken In a changing market, the difference between a “sold” sticker and a record-breaking result comes down to experience. With nearly $34 million in property exchanged this quarter alone, I ensure that every home is positioned to attract the right buyers and the highest possible price. When properties are aligned with conditions and launched with a clear strategy, buyers remain ready to act decisively. Understanding where your property sits within this more selective landscape is key to achieving a premium outcome. If you’re considering a move this year, a tailored approach to pricing, presentation and timing will make all the difference. Coco Cui Roskam 0422 683 409 coco.roskam@raywhite.com A MORE STRATEGIC MARKET EMERGING

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