Property Market Trends: Insights from Mortgage Advisor Toni Dawson

The property market is showing signs of stability, with expert insights from Toni Dawson, a qualified Mortgage Advisor with over 15 years of experience. Currently, the market is largely tracking sideways, but several factors suggest a more promising outlook for 2026.

According to Dawson, improvements in affordability, a decline in property listings, and a trend of existing borrowers refinancing to lower interest rates are contributing to a buyer-friendly environment. The unemployment rate is also expected to decrease, supporting a stronger market for property sales and valuations in the coming years.

Current Market Dynamics

First-home buyers have emerged as a significant force in the market, making up more than 27 percent of property purchases during July and August. Additionally, investors—those with multiple mortgaged properties—accounted for nearly 25 percent of the market during the same period. This activity indicates ongoing interest and engagement despite the current market conditions.

First-home buyers are increasingly utilizing low-deposit lending options available at various banks to overcome purchasing challenges. Nevertheless, the overall activity in low deposit lending remains subdued as buyers navigate a complex landscape. Dawson notes that further cuts to the official cash rate are likely, which could result in additional reductions in mortgage rates.

Interest Rate Overview

As of October 6, 2025, the one-year ‘special’ fixed mortgage rate stands at 4.49 percent per annum across most lenders. This marks a significant decline from previous months:

• October 2024: 6.19 percent
• April 2024: 7.24 percent
• October 2023: 7.25 percent
• April 2023: 6.74 percent
• October 2022: 5.45 percent
• April 2022: 4.55 percent

These figures highlight the shifting interest rate landscape, suggesting potential opportunities for buyers to secure more favorable mortgage terms.

In light of the current market uncertainties, Dawson emphasizes the importance of seeking qualified advice and guidance. She encourages prospective buyers to reach out to discuss their financial goals and navigate the evolving property landscape effectively.

Toni Dawson can be contacted at her office located at 38A Wakelin Road, Beachlands 2018, or via phone at 027 646 9269. For further information, visit her pages on Loan Market, Facebook, and Instagram.

As the property market continues to evolve, staying informed and seeking expert advice will be crucial for buyers aiming to make the most of their investments.