The mortgage market in 2025 presents both opportunities and challenges. Here’s what’s happening and how to prepare.
Current Snapshot — Where We Are in Mid‑2025
The average variable home loan rate is about 5.84% ([Trading Economics](https://tradingeconomics.com/australia/mortgage-rate)). First home buyer loan values are up 5.7% according to [ABS Lending Indicators](https://www.abs.gov.au/statistics/economy/finance/lending-indicators/latest-release).
Trends Shaping the Mortgage Landscape
– Lender competition and incentives are rising
– Expanded Home Guarantee Scheme starts Oct 2025 ([Housing Australia Update](https://www.housingaustralia.gov.au/media/unlimited-places-higher-property-price-caps-first-home-buyers-1-october-2025))
– More informed borrower behavior
How to Position Yourself for Success
• Improve your credit and reduce debts
• Consult a broker early for strategy
• Stay flexible with split loans and offset options
Conclusion:
The right broker guidance can help you navigate changing rates and policies. Get in touch to discuss the most relevant home loan strategies for you.
