The Australian property and lending landscape is evolving — and it’s increasingly working in favour of borrowers.
With falling interest rates, expanded government schemes, and rising loan activity, now is an ideal time for many Australians to reassess their mortgage or take the next step towards home ownership.
Interest Rates Are Dropping
Major lenders such as NAB and ANZ have reduced their standard variable home loan rates by 0.25% p.a., with fixed rates now starting from approximately 4.75% p.a.
These changes follow multiple RBA rate cuts, with economists forecasting further reductions into early 2026. This is driving stronger competition between lenders and creating real opportunities for borrowers to secure better deals.
What it means for you:
Lower rates could translate into lower repayments, improved loan features, or the ability to pay off your mortgage faster.
Increased Lending Activity and Support for First-Home Buyers
Loan commitments are rising across both owner-occupier and investor segments, and first-home buyer activity is up significantly.
From October 2025, changes to the Home Guarantee Scheme will allow more eligible buyers to:
• Purchase with just a 5% deposit
• Avoid paying Lenders Mortgage Insurance (LMI)
• Access broader property types and locations
What it means for you:
Easier entry into the market, less upfront cost, and greater flexibility when choosing a home.
Property Values Rising, But Borrowing Still Accessible
Despite rising home values, borrowing conditions remain favourable. National median home prices rose again in the September 2025 quarter, but record-low housing supply means demand remains high.
What it means for you:
Early action can help secure better value before prices climb further.
Refinancing Activity is Growing
More existing homeowners are refinancing with external lenders to lock in better rates or access equity.
What it means for you:
If it’s been a while since you reviewed your mortgage, now may be the time. You could reduce repayments, consolidate debt, or improve loan flexibility.
How We Can Help
At AAP Finance Brokers Central Coast, we help borrowers take advantage of current conditions by:
- Reviewing your existing home loan
- Comparing competitive offers across multiple lenders
- Helping first-home buyers navigate eligibility and schemes
- Structuring finance that fits your goals
Now is a smart time to act. Whether you’re buying, investing, or refinancing, we’re here to provide expert guidance tailored to your needs.
Contact AAP Finance Brokers Central Coast today for a no-obligation consultation.
Sources:
Australia set for new real estate boom – realestate.com.au
New data shows dramatic change in Aussie house prices
Total Value of Dwellings, June Quarter 2025
An Analysis of the Current Australian Property Market (Q3 …
NAB Australian Housing Market Update – September 2025
NAB Quarterly Australian Residential Property Survey Q2 …
Sydney housing market update (August 2025): Steady growth meets record affordability squeeze
