Victoria’s last window of affordability
For those investors thinking about buying property in Victoria, this might be their last real chance before prices push it out of reach.
The RBA’s decision to hold the cash rate in November 2025 signals stability in borrowing conditions. But with inflation easing and rate cuts likely behind us, this could be the final moment before affordability slips away for good.
The First Home Buyer Deposit Scheme is driving prices up
The expanded First Home Buyer Guarantee Scheme has added fuel to the fire. With just a 5% deposit required and no income cap, first-home buyers have flooded the market. National prices have jumped by $35,000 on average, and Victoria’s metro cap of $950,000 has pushed demand—and prices—higher.
This isn’t a temporary spike. It’s a structural shift in affordability.
Victoria is on the brink
Rental affordability is collapsing, and first-home buyers are stretching themselves thin. With median prices in Melbourne nearing $803,000, and competition heating up in growth corridors like Point Cook, Melton, Tarneit, Clyde, Officer, Wollert, the window for investors to enter is rapidly closing.
Why investors shouldn’t wait
The RBA’s rate hold is a green light. Conditions won’t get much better, and the deposit scheme’s impact is only beginning to ripple through the market. By 2026, entry points will vanish, and Victoria will look a lot more like Sydney.
Act now—before affordability becomes history.
