Homeowners Gain $230,000 in Just 5 Years – Here’s What It Means for You
Australian Property Market Delivers Big Returns
If you’ve owned a home in Australia over the past five years, chances are you’ve seen a significant boost in your property’s value. According to recent data, homeowners have gained an average of $230,000 in equity in just half a decade. That’s a game-changer for anyone considering refinancing, upgrading, or investing.
What’s Driving These Gains?
Several factors have contributed to this surge in property values:
- Low interest rates (historically): Fuelled demand during the pandemic years.
- Supply constraints: Limited housing stock pushed prices higher.
- Population growth: Increased demand in key markets.
Even with recent interest rate hikes, property values remain strong in most regions.
What Does This Mean for Homeowners?
Equity growth opens up opportunities:
- Refinancing: Use your increased equity to secure a better rate or consolidate debt. Go to our dedicated page on refinancing options here
- Renovations: Tap into equity to fund home improvements. Go to our dedicated construction finance page here
- Investment: Leverage equity to purchase an investment property.
Example:
If your home was worth $600,000 five years ago and is now worth $830,000, you’ve gained $230,000 in equity. That could mean a lower loan-to-value ratio and better borrowing options.
Will This Trend Continue?
While growth may slow compared to the past five years, experts predict steady long-term appreciation. Location, property type, and market conditions will play a big role.
Ready to Make Your Equity Work for You?
At CBM Mortgages, we help homeowners unlock their equity and find the best refinancing or investment options.
👉 https://cbmmortgages.com/refinancing/
👉 Read more on our construction blog here https://cbmmortgages.com/blog/
📞 Contact us today to see how much equity you’ve gained and what you can do with it!
External Resources
- https://moneysmart.gov.au/home-loans ASIC MoneySmart: Home Loans
- https://www.proptrack.com.au PropTrack Market Insights
Disclaimer
Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.
Written by Craig McDonald 08/10/2025
