Indications are that a long-awaited interest rate cut is on the way. But is this good news for borrowers or will it just stoke an already hot market?  In this episode of the Home Buyers Australia podcast, Jack Corbett and Damien Walker discuss the probability of a rate cut and what it would mean for buyers, sellers, homeowners and the market as a whole.  

This episode will help you to get to grips with this interesting topic, as our hosts discuss the impact of the Reserve Bank of Australia (RBA)’s interest rate strategy on borrowing power, property prices, and overall market conditions.  

Jack and Damien will give you the context you need, tracing the economic journey from record-low interest rates in 2020 to rapid hikes in 2022, and now, the potential for relief in 2025. They explore how past rate movements have shaped the market and what buyers should consider before making their next move.

In this episode, you’ll hear:

  • The economic trends that led to this potential rate cut.
  • Why inflation and job markets have influenced the RBA’s decision.
  • How borrowers handled rapid rate hikes—and why the market didn’t crash.
  • What a 1% drop in rates could mean for borrowing power and housing prices.
  • Whether buyers should act now or wait for further cuts.
  • Predictions from Australia’s big four banks and what they could signal for 2025.

If you’re planning to buy property this year, this episode is packed with expert insights to help you make an informed decision—before the market shifts again.

Damien and Jack talk about:

00:00Introduction
01:01How we got here: from record-low rates to historic hikes
04:25How borrowers handled rate increases
06:42Will the RBA actually cut rates, and when?
10:45interest rate drops & buyers’ borrowing power?
11:15Why the housing market is decoupling from interest rates in Australia
14:43Should buyers wait or act now?
16:35Final predictions: will the RBA cut rates in February?

ABOUT THE PODCAST:

Are you dreaming of owning your own home? Home Buyers Australia is your ultimate guide to navigating the Australian property market. Join mortgage broker Damien Walker and buyer’s agent Jack Corbett as they break down the home buying process into easy-to-understand steps.

Damien Walker, a mortgage broker at Atelier Wealth, specialises in helping Australians navigate the complexities of property finance. With years of experience in the industry, Damien’s insights are invaluable for those looking to build a robust property portfolio.

Jack Corbett, a buyer’s agent at Corbett Property Buyers, brings a wealth of knowledge in identifying and securing high-potential properties. Jack’s expertise ensures clients make informed decisions that align with their long-term goals.

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