Your Summer Money Check

December is the best time for young investors to reset their numbers before the new year rush. The market is moving fast, borrowing rules keep shifting, and the best opportunities are going to those who walk into January already prepared. These are the five numbers every young investor should understand before 2026 lands, and each one can be checked in under an hour.

1. Your borrowing power today

Even small movements in interest rates can shift your borrowing power by tens of thousands. Most young investors underestimate how quickly the banks adjust their models and how different each lender’s calculator is. A quick check with your broker can reveal whether you are closer to your first investment than you think. Many young buyers regain borrowing capacity once Christmas expenses settle and credit card limits are reduced.

2. Your savings rate

A lot of young investors focus on the total balance, but the speed of your savings matters more. If you are averaging 400 to 600 a week in savings, you can build a solid deposit within 12 to 18 months. People who check this number monthly tend to reach their goals faster and avoid feeling stuck.

3. Your rental yield expectations

This is where the market is shifting. In many inner and middle ring suburbs, vacancy remains tight and yield pressure is pushing upward. Unit markets near new transport projects and fast growing employment hubs have become the surprise performers of 2025.

Understanding what yield you can expect at your price point helps you shortlist smarter and avoid emotionally chasing properties that will not support themselves.

4. Your buffer

Young investors often skip this part, but it is the one that creates real confidence. A healthy buffer covers a few months of loan repayments plus surprise costs. It also puts you ahead of most first time buyers who enter the market with no margin. Investors with a clear buffer plan rarely panic during interest rate changes.

5. Your credit score

This is your hidden superpower. A strong score softens interest rates and widens your lender options, which can increase borrowing power. Late payments over the Christmas period can drag this number down, so checking it now helps you start 2026 clean.

Why this matters right now

The smartest young investors do their reset in December because competition drops and deals surface ahead of the new year. Developers want to close out projects. Sellers want clean contracts before the holiday break. Your preparation sets you up to move quickly when the right opportunity appears.

If you want help checking your numbers or mapping out your first investment move, reach out to the Young Investors Club at enquiries@younginvestorsclub.com.au