Home Buying in Australia for the Second Half of 2025: What You Need to Know

The Australian property market continues to evolve—and the second half of 2025 is shaping up to be a defining time for home buyers. With prices stabilising in some areas, government incentives still active, and buyer behaviour shifting, it’s more important than ever to understand your options and timing. Whether you're buying your first home or looking for your next move, here’s what you need to know.

1. Affordability Remains a Hot Topic

Rising living costs and strong demand in key markets mean affordability is still a challenge. In cities like Adelaide, house prices have increased by over 70% in the last five years. This has led some buyers to delay family plans or scale back their expectations, choosing units or smaller townhomes instead of standalone houses.

Tip: Consider fast-growing suburbs and regional pockets where lifestyle meets affordability.

2. Government Incentives Still in Play—but Be Cautious

Initiatives like the First Home Guarantee and state-based schemes are helping buyers with lower deposits get into the market. For example, some programs allow you to purchase with as little as 2–5% deposit, with no lenders mortgage insurance.

While helpful, it’s important to evaluate whether a property purchased under a scheme still aligns with your long-term financial goals. These programs can drive up demand and prices, so the key is to buy wisely—not just quickly.

3. Shift to Outer Suburbs and Regional Growth Areas

As affordability in city centres tightens, more buyers are exploring outer suburbs and regional hubs. Locations like Tarneit, Armstrong Creek, Morayfield, and Fraser Rise are seeing increased demand due to their lifestyle appeal, infrastructure development, and relative affordability.

Tip: Look for areas with planned transport links, schools, and employment growth—these tend to outperform over time.

4. The Role of Mortgage Brokers Has Never Been More Valuable

With fluctuating rates, changing lender policies, and hundreds of loan products on the market, it’s easy to feel overwhelmed. That’s where a mortgage broker can make a real difference.

At Ascot Mortgage, we compare lenders on your behalf, explain your borrowing power, help you create a Home Buying Plan, and manage your loan application from start to settlement—so you can buy with clarity and confidence.

5. Avoid Common Myths and Move with a Plan

Some buyers are still waiting for the "perfect time" to buy, hoping prices will fall. Others think they need a 20% deposit or parental help to get started. In truth, every buyer’s position is unique—and waiting too long may cost you more.

Tip: The key is not to time the market, but to time your own financial readiness. A clear plan beats guesswork every time.

Final Thoughts

The second half of 2025 will offer opportunities for buyers who are informed, prepared, and supported. With the right advice and a personalised strategy, you can step confidently into home ownership—whether it’s your first home or your next investment.

Book you free consultation today.