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The real winners off the back of interest rate cuts are mortgage holders and those looking to enter the property market. Making housing more accessible is extremely important while affordability remains tight.
“The RBA’s rate cuts are fantastic news for buyers, making property more accessible and boosting market confidence. We’re already seeing increased activity from both first-home buyers and investors looking to take advantage of improved borrowing power,” said Australian property investor and buyer’s agent Dany Girgis.
“While property prices may see steady growth, opportunities still exist for those who know where to look. In this type of market, expert guidance can make all the difference in securing the right property at the right price.”
When asked if the RBA will continue to cut rates throughout 2025, Girgis said “there’s a good chance.”
“Inflation remains under control and economic conditions support further easing. However, even if rates hold steady, we’re already in a more favourable lending environment than we’ve seen in recent years. The key takeaway is that now is a great time to plan ahead. Buyers who act early may benefit from both lower rates and rising property values,” Girgis said.
If rates are to drop, we are likely to see an influx of borrowers entering the market, pushing prices up. Girgis said now is a perfect time to look at purchasing while interest rates are subdued, prior to more growth.
“On the other hand, if the RBA holds, we’ll likely see a stable market where buyers can move with confidence. Either way, the outlook is positive for those who make informed decisions,” Girgis said.
Brokers should expect borrowers to come to them for support if further cuts persist. There is likely to be a demand for reviewing loan options amid rate cuts that will keep brokers busy.
“This is also a great time to explore opportunities in emerging markets or undervalued suburbs before demand surges. For brokers, providing proactive advice and staying ahead of lender policies will be crucial,” said Girgis.
“For anyone unsure about the best strategy in the current market, seeking expert advice is key. As a buyer’s agent, I help clients navigate these shifts to find the best opportunities, whether they’re looking for a home or a smart investment.”
[Related: More than a single rate cut needed to boost home ownership]
