Mortgage Stress Survival Guide for Property Investors 2026: Refinance, Restructure, or Sell?
Two RBA hikes in two months have pushed investor rates to 6.5–7.0% and Westpac is forecasting 4.85% by August. With 26.6% of mortgage holders at risk (Roy Morgan), leveraged investors need a plan. The complete 4-option RRRR framework — Refinance, Restructure, Rent Up, Release — with visual decision tree, $22,000/yr worked sell-one example, hardship provisions, 2026 land tax thresholds, and tight comparison table of 5 investor profiles.
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