We’ve just wrapped up the first week of July—and there’s already some big news shaking up the finance world. From predicted interest rate drops to fresh opportunities for first home buyers, now’s the time to get ahead. Watch the quick update below to see what it means for you. Plus, Tony MacRae and Tim Lawless have shared some timely insights into where the 2025 housing market is headed—highlighting signs of modest but broad-based growth. Scroll down for more information.

Oh—and one more thing…

We’re officially a finalist in the 2025 Bx Business xCellence Awards!

A huge thank you for being part of the journey.

Watch the video | Read the Disclaimer

Reference: 2025 economics discussion with Sally Auld, NAB’s Chief Economist and Chris Thomas, Executive, NAB Commercial Broker and Equipment

Growth conditions are gradually converging across capital cities, with mid-sized markets like Adelaide and Brisbane slowing, while traditionally softer markets like Melbourne and ACT begin to lift.

The lower quartile of the market continues to lead in price growth, but there are early signs that premium segments – particularly in Sydney – are gaining momentum.

Regional areas have been outperforming capital cities, but that trend is expected to shift as capital city growth accelerates.

Selling conditions remain relatively balanced across most markets:

• Listings have risen year-on-year in some areas, while auction clearance rates hover around the long-term average.
• Home sales are slightly below the five-year average, impacted by affordability constraints, subdued sentiment, and lower population growth.
• However, a drop in listings in recent months has supported an uplift in clearance rates and added some competitive pressure for buyers.

Upside Indicators:

• Cash rate outlook: Expected to fall to low 3% range by end of 2025 (RBA projects 3.4% by Dec and ~3.2% by mid-2026).
• Inflation: Back within target range and trending below 3%.
• Labour market: Remains tight, but wage growth is contained.
• Economic activity: Modest but broadening, with improving consumer sentiment.
  

Downside Risks:

• Population growth normalising, which could ease rental market pressure.
• Affordability still stretched, though Melbourne stands out as a relative bright spot.
• Household debt remains elevated, attracting regulatory scrutiny.
• Cautious lending environment persists, with low levels of high-risk lending.

Source: A Strategic Look into the 2025 Australian Housing Market

Helping clients move closer to their goals, build wealth, and make confident decisions is what drives us every day. This recognition is a reminder that the work matters—and so do the people behind it.

Are you ready to take advantage of the changes, or still figuring out your next move?

As always, we are here to help you make sense of the shifts and spot the opportunities. Whether you’re thinking about your next move or just want to understand what these changes could mean for you—let’s chat.