Market Update
January 2025 Mortgage & Property Update: Cash Rate 4.35%
January opened with rates still restrictive, but markets increasingly focused on the start of easing.
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Monthly lending and property updates from June 2022 onward, including RBA shifts, market activity, and borrower strategy.
Market Update
January opened with rates still restrictive, but markets increasingly focused on the start of easing.
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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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