02/10/2025
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Spring is in the air, and just like the season, it’s a great time for fresh starts and new opportunities.
We’ve pulled together some of the latest property and finance updates to help you keep up with what is happening in the property market. Whether you’re planning to buy, invest, or simply get more from your current loan, Your Loan HQ is here to guide you every step of the way.
RBA Keeps Rates on Hold
The Reserve Bank kept the cash rate steady at 3.60%, pausing after recent cuts as inflation edged up to 3.0%. Governor Michele Bullock said the bank remains data-dependent, with any easing likely later in the year.
• Mortgage holders: No short-term relief on repayments.
• New borrowers: Affordability pressures remain, though lenders may offer flexible options to help with borrowing.
• Savers: Higher returns on deposits continue.
What’s New in the Australian Government’s 5% Deposit Scheme (as of 1 October 2025)
• As of 1 October 2025, the federal government has introduced sweeping reforms to the Home Guarantee Scheme — now more commonly branded as the Australian Government 5% Deposit Scheme — making it far more accessible and generous to first- home buyers.
• ✅ Major Changes from 1 October 2025
Unlimited places — no cap on how many can apply
No income caps — all first home buyers now eligible regardless of income
Higher price caps to reflect current property values; ranges vary by state/territory
( up to $900k for Adelaide Metro ) Expanded Australian Government 5% Deposit Scheme to support more Australians into home ownership | Housing Australia
Adelaide Property Current Conditions & Market Metrics
Price Levels & Growth
• The median dwelling value in Adelaide is around A$843,339 as of July 2025. OpenAgent
• Houses in Adelaide have a median price of approximately A$895,726, with annual growth ~ 6.8 %. OpenAgent
• Units are also performing strongly, with a median of ~ A$611,471 and growth of ~ 8.5 % annually. OpenAgent
• In August 2025, NAB reported house values rose 0.9 % month-on-month, 2.1 % over the quarter, and ~ 6.4 % year-on-year; unit values also showed solid growth. NAB
So the market is still in an uptrend, albeit with signs of moderating momentum.
Accessing Equity in Your Property
Equity is the difference between your home’s value and what you owe on it. As your property grows in value and your loan reduces, you may be able to use this equity to fund renovations, invest in another property, consolidate debt, assist your offspring get into the market, or any other worthwhile purpose.
Lenders often allow access to up to 80% of your property’s value, but keep in mind this increases your loan size and repayments. Your Loan HQ can help you explore the best way to unlock your equity.
Here to Help
Your Loan HQ is here to assist you with all your financial needs. While I specialise in residential lending, I have access to a vast network of specialists in all fields of finance. I also work with Allianz Insurance for your home, contents, landlord, vehicle, caravan, boat insurances. Your Loan HQ, is your one stop finance shop.
Feel free to give me a call or email to discuss your finance requirements.
Wishing everyone a great long weekend ( those in SA ) and a happy Spring! Remember that Day Light Savings starts this weekend too. I’m definitely looking forward to those long balmy, Spring and Summer evenings.
Regards,
Christine Albon - Your Loan HQ. Mortgage & Finance Broker
[email protected]
Ph:0427001103
