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That's a personal financial decision that depends on your individual circumstances, and I can't advise you on it—I'm not a licensed financial or property adviser. What I can tell you is how a buyer's agent works and what to consider when you're ready to move. A buyer's agent represents only you, the buyer. They help you find properties that match your criteria, conduct due diligence (building and pest inspections, title searches, neighbourhood research), negotiate on your behalf, and guide you through to settlement. Unlike a selling agent, a licensed buyer's agent doesn't sell properties or take commissions from vendors or developers—that's the REBAA (Real Estate Buyers' Agents Association of Australia) standard for members-only independence. When you do decide to buy, working with a buyer's agent can be valuable because they understand local market conditions, comparable sales, and what properties are genuinely worth. They can help you avoid overpaying in a heated market or spot good value if the market does soften. Their fee models vary: some charge a fixed fee, others a percentage of the purchase price, and some charge only if they help you win at auction. You engage them before you start looking, not after you've found a property. The timing question—whether to wait for a slide or buy now—turns on factors like your personal circumstances, how long you plan to stay, interest rates, and your capacity to service a loan. A mortgage broker can help you understand your borrowing capacity and whether the numbers work for you right now. For property-buying advice, speak with a licensed buyer's agent in your state. For loan capacity and affordability, consult an ACL-authorised mortgage broker.