With the Reserve Bank of Australia (RBA) holding the cash rate steady at 4.35% for the sixth consecutive month, many buyers are questioning whether now is the right time to purchase property or hold off in anticipation of lower interest rates.
While that is a valid question, the market data suggests that the property sector is already adjusting — and in some areas, gaining momentum.
Key Market Insights – August 2025
1. Property prices are holding firm
CoreLogic data indicates that prices have remained stable across most metropolitan areas. In fact, there have been slight increases in outer-Melbourne suburbs such as Aintree, Tarneit, and Berwick, where demand is being driven by affordability and new infrastructure.
2. Buyer confidence is returning
Auction clearance rates have improved through winter, and open home attendance is increasing. In lower-supply areas, well-priced homes are selling quickly, indicating a more confident buyer environment.
3. Low listing volumes are driving competition
New property listings are still well below 10-year averages. This is creating an imbalance between supply and demand in several suburbs — particularly those popular with first home buyers and investors.
4. Investor activity is climbing again
For the first time since early 2024, investor lending volumes have increased. Much of this growth is concentrated in Victoria and Queensland, where rental yields remain relatively strong and vacancy rates are tightening.
Should You Wait for a Rate Cut?
Although market speculation suggests the RBA may start reducing rates in early 2026, there is no certainty. What we do know is that:
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Many buyers are no longer waiting — they are already acting
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Some lenders are offering sharper variable rates, discretionary discounts, and cashback incentives to attract high-quality borrowers
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Prices in key suburbs are not falling — and in some areas, they are rising again
What This Means for You
If you are in a stable financial position with clear long-term goals, acting now may be more beneficial than waiting for a potential rate cut that may or may not come soon.
At SW Global Finance, we help clients:
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Understand their true borrowing power
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Identify lender policies and offers that match their financial profile
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Structure home loans for long-term savings, including split loans, offset accounts, and refinancing strategies
The market is shifting — are you ready to move with it?
Contact us now:
Call/WhatsApp: +84 96 275 92 07