We’re Almost at the End of Another Busy Spring Selling Season

LoanCaddie
Nov 18, 2025
3 min read

Updated: Dec 1, 2025

Spring Selling Season Overview

We are nearing the conclusion of another bustling spring selling season. This year has been particularly remarkable for vendors.

Sellers have thrived this spring. Property prices have surged impressively across the country. The housing supply remains thin, and buyer demand continues to be robust.

This month, the Reserve Bank of Australia (RBA) decided to keep the cash rate steady. This decision follows unexpected inflation data from the September quarter. It seems less likely that borrowers will see another rate cut this year.

However, interest rates have dropped three times in 2025—in February, May, and August. Competition among lenders for new clients is fierce. Therefore, there are many compelling reasons to consider purchasing a property.

If you’re looking to buy your first home, your next home, or an investment property before Christmas, reach out to us for pre-approval on your finance today.

Interest Rate News

The Reserve Bank of Australia (RBA) has decided to maintain the cash rate at 3.60% this month amid rising inflation.

The Consumer Price Index (CPI) rose by 3.2% over the 12 months leading to the September quarter. The most significant increases were in housing (2.5%), recreation and culture (1.9%), and transport (1.2%).

Trimmed mean annual inflation reached 3% for the September quarter. This figure is at the upper end of the RBA’s preferred target range of 2-3%. It also increased from 2.7% in the June quarter. This marks the first rise in trimmed mean annual inflation since December 2022.

Underlying inflation, as represented by the trimmed mean, also rose to 2.8% in September, up from 2.6% in August.

Unfortunately for borrowers, RBA Governor Michele Bullock has dampened hopes for one final cut before the year ends.

“We have already had three interest rate cuts,” she stated.

“I know mortgage holders always want more, but it’s also important that we keep inflation under control. Ultimately, that impacts people’s living standards, so it’s crucial we get that right.”

Some experts believe the next move from the RBA could even be a cash rate hike.

If you haven’t reviewed your home loan recently, now might be a good time to arrange a home loan health check with us.

The next RBA cash rate decision will be announced on 9 December.

Home Value Movements

According to Cotality, home values have been rising at the fastest pace in more than two years.

National dwelling values increased by 1.1% in October. This is the strongest monthly gain since June 2023.

Every capital city recorded a monthly increase in values, ranging from 1.9% in Perth to 0.4% in Hobart.

“Before the February rate cut, housing conditions were losing momentum, even recording flat-to-falling values through late 2024 and January 2025,” said Cotality research director Tim Lawless.

“The first rate cut in February marked a clear turning point. Home values moved through a positive inflection across most regions and have been gaining momentum since then.”

One factor fueling this growth is the lack of housing supply. Advertised stock levels over the four weeks leading to 26 October were 18% below average, according to Cotality.

The uptick in growth also coincides with the expanded 5% Deposit Scheme, which became available from 1 October. This has added demand in the lower and middle price points of the market, particularly among first home buyers.

Regional areas have also seen solid growth, recording a 1% increase in October. This is the highest monthly gain across the combined regional markets since March 2022.

Cotality Home Value Index

Ready to Buy?

If you’re considering a summertime property purchase, get in touch with us early. We’ll organize pre-approval on your finance.

If you’re new to the property market, explore the Australian Government’s 5% Deposit Scheme. Under this scheme, first-home buyers can purchase with as little as a 5% deposit, without incurring expensive lenders’ mortgage insurance (LMI).

The number of places is now uncapped, income caps have been removed, and property price caps have increased. Contact us to discuss the eligibility criteria.

Conclusion

In conclusion, the spring selling season has proven to be fruitful for sellers. With rising property prices and strong buyer demand, now is an excellent time to consider entering the market. Whether you are a first-time buyer or looking to invest, the opportunities are plentiful.

For more information, feel free to reach out to us. We are here to assist you in navigating this dynamic market.