Market Update
December 2024 Mortgage & Property Update: Cash Rate 4.35%
December ended with rates unchanged and households entering 2025 cautiously optimistic.
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Monthly lending and property updates from June 2022 onward, including RBA shifts, market activity, and borrower strategy.
Market Update
December ended with rates unchanged and households entering 2025 cautiously optimistic.
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November remained unchanged and closed out another month of data-dependent policy watch.
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October held rates and reinforced disciplined purchase and refinance planning.
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September stayed steady, and borrower behavior remained quality-over-speed.
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August delivered another hold, with markets still searching for clear easing timing.
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July held rates as borrowers combined budget resets with lending strategy reviews.
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June's steady setting prolonged the high-rate phase and kept refinance demand elevated.
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May stayed on hold, with borrower confidence improving only gradually.
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April's hold kept the rate backdrop stable but still restrictive for many households.
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