ADVERTORIAL
“IS NOW THE RIGHT TIME?”
BY KALLIE CROWCROFT, MORTGAGE ADVISOR AT QUICK MORTGAGES
kallie@quickmortgages.com Kallie Crowcroft
I spend my days talking to people who are experts at managing uncertainty. Whether it’s a shift that changes at the last minute or a scene that isn’t what it first seemed, police officers know that life rarely follows a script. When it comes to mortgages, the question
I’m asked most—usually after a long shift—is: “Kallie, is now actually a good time to buy, or should I wait for things to change?”
The Truth About “Timing” the Market If the last few years have taught us anything, it’s that the “perfect” time to buy is a myth. I always tell my clients the same thing: trying to time the property market is
36 | POLICE | FEBRUARY | 2026
like trying to predict a busy Saturday night on the beat—you can look at the patterns, but there’s always an element of the unexpected.
As we move through 2026, the data
points toward a period of stability, with modest growth of 2–3 per cent predicted. But “predicted” is the key word there. We’ve seen enough “black swan” events to know that the economic weather can turn. That’s why my role isn’t just about finding you a rate; it’s about helping you build a “financial buffer” so that whatever happens around the corner, your home remains your sanctuary.
Focus on the “Why,” Not Just the “When” When I discuss the market with officers, we don’t just look at house price indices. We
look at their lives. Are you starting a family? Are you looking for a shorter commute to improve your mental health? I recently spoke with an officer who
was terrified of a potential “property crash”. We sat down and looked at the long-term view. Property is a marathon, not a sprint. If you’re buying a home to live in for the next 10 years, the “blips” in month-to-month value matter far less than having a mortgage that is affordable and sustainable for your specific salary and shift allowance.
My advice for 2026? Don’t wait for a
“perfect” market that may never arrive. Instead, let’s focus on making sure that if the market does throw a curveball, you’ve got the right deal, the right protection, and a solid plan in place to handle it.
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