As 2025 heads into the final months, many investors face the same dilemma: should you buy property before the year ends or wait until next year? The answer depends on your goals, financial position, and market conditions.
Why Buying Before Year-End Makes Sense
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Tax Planning – Purchasing before 30 June (EOFY) can offer tax benefits, such as depreciation deductions sooner.
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Motivated Sellers – Many sellers want to close deals before the holidays, creating room for negotiation.
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Rising Demand – With Australia’s housing undersupply and strong migration, delaying too long could mean paying more later.
Why You Might Wait
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Market Uncertainty – Economic shifts and potential interest rate changes may alter property affordability.
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Better Preparation – Waiting allows more time to build savings, strengthen loan approval, or research the right locations.
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Seasonal Trends – January often brings new listings, giving buyers more choice.
Factors to Consider
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Interest Rates: Even small increases can impact borrowing capacity.
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Capital Growth Potential: Buying in growth areas now may outweigh waiting for “perfect timing.”
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Your Financial Readiness: The best time to buy is when you are financially prepared—not when the market dictates.
Final Thoughts
There’s no one-size-fits-all answer. For many, buying before year-end allows them to secure opportunities ahead of rising competition. Others may benefit from waiting until 2026 for better preparation. Either way, success comes down to strategy, not timing the market.
At Mirren Investment Properties, we specialise in building strategies that suit your goals and financial position. If you’re wondering whether to buy now or wait, contact us and let’s discuss the best approach for you.
