Navigating the 2025 Mortgage Market: Trends and Tips for Homebuyers
The Australian mortgage market in 2025 is characterised by evolving trends that prospective homebuyers should be aware of.
Stamp Duty Costs
Stamp duty expenses have reached record highs, with the national median hitting $31,210—a 55% increase since 2019. In New South Wales alone, foreign investors face combined charges up to $160,000, potentially deterring investment and impacting housing supply.
Distressed Property Listings
While distressed property listings have declined nationally, certain regions like the Australian Capital Territory have seen a 36% monthly surge. Victoria also reports an 8.1% annual rise, indicating localised financial pressures.
Tips for Homebuyers:
- Stay Informed: Keep abreast of interest rate movements and lender offerings
- Assess Affordability: Consider the total cost of home ownership, including stamp duty and potential rate changes
- Seek Professional Advice: Consult with First Point Group to navigate the complex market landscape. We can also recommend a professional Taxation Adviser, Legal professional, or Financial Planner as required
