Record Low Confidence, or a Strategic Window?

The data is in, and it’s a tough read: Consumer confidence has hit its lowest point in 50 years (63.1 points) following this month’s RBA rate hike to 4.10%.

While the headlines are focused on the “record low,” at FinSelect Group, we are looking at the why, and what it means for your next move:

• The Squeeze is Real: Escalating fuel prices and back-to-back rate hikes have pushed sentiment below even the 2020 pandemic lows.
• The “Fear Factor”: Much of this drop is driven by uncertainty over global energy markets and a potential final hike to 4.35% in May.
• The Silver Lining: Despite the gloom, the Labour Market remains strong. As long as participation stays high, the fundamental “floor” of the property market remains intact.

The FinSelect Take: History shows that the best strategic moves are rarely made when confidence is at an all-time high. When others “wait and see,” the window opens for those with a solid structure.

Success in 2026 isn’t about ignoring the data; it’s about buffering against it. If you’re feeling the pressure, don’t just watch the news. Let’s look at your offsets, your redraw, and your equity to see how we can reinforce your position.

Is your 2026 strategy built for resilience or just for “good times”? Let’s chat.