The Upper North Shore market entered a more strategic phase in April 2026, with conditions shaped by higher interest rates and reduced borrowing capacity. Sale prices are generally sitting 4–8% below peak levels, with borrowing capacity down by around 10–15% for many buyers. As a result, demand is increasingly concentrated in mid-market price ranges. 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. With stock levels expected to gradually increase, accuracy in pricing and presentation has never been more important. For homeowners, 2026 is a market defined by precision rather than momentum. When properties are aligned with current 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 selling in 2026, a strategic approach will be key to achieving a strong result. Scott Phillips | 0402 272 575 | scott.p@raywhite.com A MORE STRATEGIC MARKET EMERGING
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