September 2025 Property Update
Welcome to our September property update,
Today the RBA opted to leave rates on hold, however the property market still breaking records.
The Reserve Bank has chosen to keep the cash rate steady at 3.6%. That decision reflects a balancing act. Inflation is easing, but higher than expected and not enough to justify another cut just yet. For property buyers and investors, it means stability in borrowing costs, but the market fundamentals remain unchanged.
Housing values across all major capitals, except Melbourne, are sitting at record highs. With total listings still 20.2% below the five year average, and 13.3% fewer listings than this time last year. Competition in many areas and price points is fierce.
Stability in rates may hold back a flood of demand, but limited supply is still pushing prices upward.
Market Update
- National dwelling values lifted 1.8% over the past three months
- Expectations of another rate cut this year are falling
- Sydney, Brisbane, Adelaide, Perth, and Darwin all hit new peaks
- Rents rose 4.1% over the year to August
- From 1st October, qualifying first homebuyers can access the 5% deposit scheme, which will further fuel the market, particularly under $1M
Tip of the Month
A rate hold is not a green light to delay decisions. If you find the right property, act decisively. Markets do not move in straight lines. The best outcomes come when you buy quality assets and hold long term.
Case Study
An investor who bought with us in October 2023 for $760,000 has just seen their property re valued at $1,060,000. That is $300,000 in capital growth, or 40% in two years. Timing matters, but the asset matters more.
With supply this tight, the right opportunities do not sit around for long. If you would like to explore your options, now is the perfect time to reach out.
Book a free 15-min strategy call or reply to this newsletter to get started.
