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As we head into 2025, the Australian property market continues to evolve. From shifting market dynamics to emerging regional hotspots, this year presents both exciting opportunities and complex challenges for property owners, investors, and industry participants alike.

In this comprehensive report, our team of experts at Ray White, working alongside our colleagues at Loan Market Group, brings you detailed insights into the trends that will shape the property landscape in 2025.

Our Chief Economist Nerida Conisbee provides a deep analysis of interest rate movements and house price trends, while our Head of Research Vanessa Rader offers valuable insights into the commercial property sector, particularly the emerging strength in retail assets and the structural changes facing the office market. Our Senior Data Analyst Atom Go Tian looks at shifts in the luxury property market and identifies key growth areas across the country.

The report also features expert analysis from our partners at Loan Market Group, examining the changing dynamics in property financing and lending trends that will impact buyers and investors throughout 2025.

Whether you're looking to buy your first home, expand your investment portfolio, or simply stay informed about market movements, understanding these trends is crucial for making well-informed property decisions.

Our network of over 1,000 offices across Australia, New Zealand, and Asia remains committed to helping you navigate these market dynamics with confidence and clarity. While the property landscape may be complex, our experienced agents and partners are here to guide you through every step of your property journey.

We trust this report will provide you with valuable insights to help you make informed decisions in 2025.

Dan White
Managing Director, Ray White Group

As we head into 2025, the property market is shaping up in some fascinating ways. From changing buyer expectations to new market pressures, this year promises plenty of fresh opportunities—and no shortage of challenges, too.

In this report, we’re digging into the trends set to shake things up in 2025.

Loan Market CEO David McQueen explains why more and more Aussies are trusting brokers. With up to 80 per cent of Australians expected to work with a broker in the coming year, it’s a major shift in financial services that’s delivering some real wins for consumers.

Looking at commercial property, Loan Market Group Executive of Commercial Finance, Steve Scahill, shares why we are set to see increased competition within commercial lending. It’s a move that’s paving the way for brokers and banks to offer more flexible, tailored loan options.

Whether you’re a first-home buyer, investor, upsizer, downsizer, or just thinking about refinancing, staying ahead of the trends can make all the difference.

Whatever the year brings, you can count on our brokers at Loan Market to be ready to help you navigate your options and find what works for you.

We hope this report provides valuable insights and helps you feel ready to tackle whatever 2025 brings.

Here’s to a great year ahead!

Sam White
Executive Chairman, Loan Market Group

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