Is the Property Market Stabilising in 2025? Here’s What Buyers Should Know
After a Wild Ride, Is Calm Finally Returning to the Market?
Navigating the Australian property market over the past few years has felt like trying to find your footing on shifting sands. But as we move through 2025, signs are emerging that the market is entering a more stable phase—and that could mean opportunity for buyers who are ready.
At CBM Mortgages, we’ve been tracking the latest data and forecasts to help you make informed decisions. Let’s take a look at what’s happening now—and how you can prepare to buy with confidence.
What the Big Four Banks Are Predicting for Interest Rates
After a rapid series of rate hikes in 2022 and 2023, the Reserve Bank of Australia (RBA) has held the cash rate steady at 4.35% since late 2024. But the tide may be turning.
Here’s what the major banks are forecasting for 2025:
- Commonwealth Bank: Predicts rate cuts starting mid-2025, with the cash rate falling to 3.60% by year-end
- Westpac: Expects a drop to 3.35% by November 2025
- NAB: Forecasts a gradual easing to 3.50%
- ANZ: Sees rates falling to 3.75% by early 2026
Lower interest rates could boost borrowing power and buyer confidence, setting the stage for a more active property market in the second half of the year.
Property Prices Are Showing Signs of Recovery
After a modest correction in 2022, national home values rose by 4.9% in 2024, according to CoreLogic. While some capital cities like Sydney and Melbourne saw slight dips in late 2024, others—like Adelaide and Perth—continued to grow.
In 2025, the market is showing signs of synchronisation, with capital cities and regional areas moving more in step. This suggests a more balanced and predictable environment for buyers.
Why Now Could Be a Smart Time to Prepare
With interest rates expected to ease and more listings likely to hit the market, now is the time to get your finance pre-approved and your deposit strategy in place.
And if you’re a first-home buyer, single parent, or regional buyer, you may be eligible for one of the federal government’s low deposit, no LMI schemes through Housing Australia, which can help you enter the market up to five years sooner.
Let’s Get You Ready to Buy
At CBM Mortgages, we help buyers:
- Understand their borrowing capacity
- Compare loan options from over 40 lenders
- Navigate government schemes and grants
- Avoid costly delays—like in this case study on settlement penalties
- Learn how to pay off your home loan faster
Call us today on 02 8068 0534 or get in touch online to get started.
Further Reading:
- What to Expect from the Property Market in 2025 – Property Update
- Go to our dedicated First Home Buyers page
- CoreLogic Housing Chart Pack – June 2025
- First Home Buyer Grants – Revenue NSW
- Are you looking for a Clovelly Mortgage Broker
Disclaimer:
The information provided in this article is for general guidance only and does not constitute financial or legal advice. It does not consider your personal circumstances. Before making any financial decisions, seek professional advice from a licensed mortgage broker or financial consultant. This content is protected by copyright laws and may not be modified, reproduced, or republished without prior written consent.
Written by Craig McDonald 15/06/2025
