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Despite the big waves in prices from the pandemic, Queensland continues to generate a strong demand from buyers, including Springfield in the Gran Brisbane region. Image: AAP Image/Dan Peled
A Big Four Bank executive reveals the hottest real estate markets to which buyers are going as the country prepares for imminent cuts of consecutive interest rates.
Denton Pugh, who is the Executive of the National Bank of Australia for home loans, explains below where the impulse is being built and what real estate markets are seeing Strong National from a loan perspective.
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We could be deeply in the winter months, but there are definitive heat signs that return to Australia real estate market.
The values of the houses throughout the country have improved again, increasing 0.5 percent in May and lifting the 1.7pc national index during the first five months of the year. And each capital city registered growth. A sign that market confidence continues to grow.
We are seeing this confidence in people like Emily Chalk, a 32 -year -old first -year -old buyer who recently bought a house alone Outid or Rockhampton, in regional Queensland.
He had spent six months looking for a place for calling home.
A conversation with her banker helped her understand how the government’s guarantee scheme could help her take her to her first home before she thought. Within the week he had bought a house in the city where he grew up.
Geelong is seeing a strong growth of the buyer in terms of loan applications, including places like Armstrong Creek, which is the largest real estate market in the area.
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Stories like Emily are becoming increasingly common.
It is not just updating or investing in the return of capital to the market. Many buyers of the first house have been waiting for banks to reduce home loan rates, so they can not only borrow more, but also that confidence to make the leap to the property of the house.
The new NAB home loans show that loans to the first housing buyers rise 16 % since February, and up to 32pc for housing buyers more widely.
While interest rates are still relatively high, rates cuts are recently helping. These combined cuts with initiatives such as the home guarantee scheme, we begin to see more people take that first step in housing property.
Or of course, we cannot ignore the general panorama. While monthly growth is returning, the annual rhythm of property prices increases has slowed down. It is not great news for investors, but good news for those who try to enter the market.
We are also seeing a strong impulse in regional markets; A trend that has been built since the years of pandemia and is not going to disappear.
An aerial view of an urbanization in Toowooba, which is the best sentence of the regional housing market for NAB. Image: TOWOOMBA Regional Council.
10 most popular regional markets so far in 2025:
1. TOOWOOMBA – QLD
2. Burnett – Qld
3. Springfield – RedBank – Qld
4. Geelong – Vic
5. Sunshine Coast Hinterland – QLD
6. Mandurah – WA
7. Loganlea – Qld
8. Ballarat – Vic
9. Maryborough – Qld
10 Mackay – Qld
In fact, Queensland’s regional points dominated our list of the five hottest regional markets so far in 2025. Toowooba, Burnett, Springfield -redbank and Sunshine Coast Hinterland, all qualified high for domestic activity. Geelong in Victoria was the only regional access point that is not tail that is not among the top five.
It may be the weather or lifestyle, but regional markets sacrifice more than only charm and an attractive balance of working life. They sacrifice the affordability and the potential for long -term growth. For buyers like Emily, the appeal to stay close to the family and find space for a young family was strong.
Ballarat is also in the national top 10. Image: Chris Groenhout
“I know that Must of my neighbors, I definitely did not do it when I lived in Brisbane,” the Buyer of First House, Emily Chak.
This continuous impulse is promising, but also highlights one of the biggest challenges that the market still faces: we need more homes.
The lowest rates help on the demand side, but the affordability and the offer are still great obstacles.
Addressing these problems will take time, commitment and intelligent policy. Particularly when it comes to obtaining new homes in the places that people want to live.
The winter months are usual quieter for the real estate market, however, and most economists expect more interest rate cuts this year, winter activity is expected to be a little higher than usual, continuing to build for the busiest spring period.
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