An infographic analysis of the Australian Property Market for Q3 2025, designed for mortgage and finance brokers.
The RBA's cautious easing cycle, driven by moderating inflation, is providing a significant tailwind for the property market. However, the recovery is described as "affordability-constrained," leading to more moderate growth than in past cycles.
RBA Cash Rate
3.60%
↓ 75 basis points in 2025
Annual Headline CPI
2.1%
Back within RBA's target band
National Value Growth (July)
+0.6%
6th consecutive month of growth
Listings vs. 5-Year Average
-20%
Creating intense buyer competition
Since the pandemic, house values have risen almost three times as much as units, pushing the price gap to a record high. This is making the unit market increasingly attractive for affordability-focused buyers.
The national figures mask stark local differences. The recovery in Sydney and Melbourne is gathering pace, while the booms in Perth, Brisbane, and Adelaide show signs of moderating.
Lenders are pricing 3-year fixed rates below 1-year rates—a strong signal they expect the RBA to continue cutting.
3%
Serviceability Buffer
APRA is holding the line, ensuring lending standards remain sound and preventing the market from overheating despite lower rates.