The Property Couch
The Property Couch
Ben Kingsley, Opti & The Couch Crew
Is Your Property Worth Less Than You Paid? | FUNdamental Fridays
12 minutes Posted Sep 18, 2026 at 2:00 am.
What if your property value falls?
What negative equity actually means
A real-world example
Why it's often just a snapshot in time 8
Upgrading in a changing market
Should you release equity sooner?
Refinancing risks explained 14
Future-proofing your position
How interest-only loans and offsets work
Can negative equity be part of a strategy?
Why it isn't always catastrophic
Advice for first home buyers
Advice for homeowners with equity
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Show notes
What happens if your property is suddenly worth less than you paid for it? It's a question many homeowners and investors are asking as property values soften in some parts of Australia. In this week's FUNdamental Friday, Ben Thompson and mortgage broker Luke Oxenham unpack the reality behind declining property values, negative equity and what it actually means for homeowners. They discuss: ✅ What negative equity really is ✅ Why it doesn't automatically mean financial stress ✅ The differen...