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The conditions for buying and selling property in Victoria have shifted on two fronts at once, and both change the risks involved in a transaction. The first is the market. After three interest rate cuts last year, the Reserve Bank has lifted the cash rate three times in 2026, taking it to 4.35 per cent in May as inflation proved stubborn. Borrowing capacity has tightened, and Melbourne has moved into more cautious territory: more properties for sale, longer campaigns, auctio