Let’s keep December focused with two practical steps you can take before the year ends.
Move 1: Check In With Your Broker
This is a good time to speak with a whole-of-market mortgage broker. Lenders often release competitive deals toward the end of the year, and you may be able to secure a rate now for a purchase planned for early 2026. Getting your financing lined up before the January rush puts you ahead.
Move 2: Build Your 2026 Budget
Open your spreadsheet and map out your expected rental income and expenses for next year. Then add a new line called “Strategic Upgrade Fund.” Even a small monthly amount creates flexibility whether it’s for a below-market-value opportunity or an important property upgrade later in the year.
Which of these year-end moves feels more urgent for your next step?