In a market that’s shifting fast, many investors are asking the same question:
“How should I position myself as we close out the financial year?”
We work closely with clients who want to make smart, timely investment moves—not just chase headlines. As a boutique buyers agent in Australia, we believe that informed strategy, not size, drives real results.
This week’s EOFY edition of The Rising Report breaks down what’s really happening in the property market—rising prices, looming rate cuts, and six tax-smart actions every property investor should take before lodging.
1. Market Pulse – momentum into the new financial year
Prices keep climbing
National median house price hit $1,198,912 in June, up 1.0 % for the quarter, the strongest monthly lift since March 2024. In the last quarter Perth (+2.2 %), Brisbane (+2.1 %) and Hobart (+1.3 %) led the gains while every capital city was in the green. The data shows broad based recovery, with unit prices also rising in all capitals except Darwin.
| City | Growth (%) | Median Price ($) |
|---|---|---|
| Perth | 2.2 | 776,125 |
| Brisbane | 2.1 | 831,560 |
| Hobart | 1.3 | 712,940 |
| Sydney | 1.0 | 1,473,800 |
| Adelaide | 1.0 | 734,050 |
| Melbourne | 0.7 | 999,230 |
| Canberra | 0.4 | 1,025,000 |
| Darwin | 0.3 | 585,000 |
Rate-cut tail-wind
- February and May cash-rate cuts have already rekindled buyer confidence. Markets now assign an 80 – 97% chance of another 25 bp cut at the RBA’s 7- 8 July meeting, after headline inflation slid to 2.1%.
- Lower funding costs are flowing straight into higher clearance rates and faster days-on-market.
Investor takeaway
- Detached-house supply remains chronically tight; expect the house/unit price gap to widen further.
- Focus on markets with undersupply and rising rents but don’t ignore premium suburbs that have just re-entered the growth phase.
- Focus on undervalued/affordable markets. However, price alone doesn’t tell you if a suburb is affordable, local income levels matter more than the median price.
2. EOFY Tax Toolkit – Six quick wins before you lodge
| # | Move | Why it matters |
|---|---|---|
| 1 | Order a depreciation schedule | Captures structural + fit out write offs you can’t guess. Surveyor’s fee is deductible. |
| 2 | Pre-pay 12 months’ interest or insurance | Drag next year’s deductions into 2024-25 if this was a high-income year. |
| 3 | Replace/repair sub-$300 items now | Small assets (smoke alarms, tapware) are fully deductible upfront. |
| 4 | Claim borrowing & holding costs | Loan establishment fees, LMI amortisation, broker fees, PM fees, council rates, insurance, every dollar trims taxable rent. |
| 5 | Perfect your paperwork | ATO audits are up; keep receipts and annual PM statements in one folder (digital or paper). |
| 6 | Use a property-savvy accountant | Rules change (e.g. travel no longer deductible). Good advice pays for itself and the fee is deductible too. |
Pro tip
Repairs = immediate write-off; improvements = capitalised (the cost isn’t deductible upfront. Instead, it’s added to the property’s “cost base” hence depreciated over its effective life). Ask your accountant to be sure!
Property investing is as much about finance as it is about buying the right property. With the right planning, you can set yourself up for a rewarding financial year.
Conclusion
Australia’s housing market is responding decisively to monetary stimulus. Price momentum is clear across capital cities. With the RBA widely tipped to reduce rates again in July, the market is entering a phase where strategic positioning will be decisive. Investors and homebuyers who respond early to these structural shifts are likely to be best placed for the next leg of price appreciation.
Thanks for reading this EOFY special.
Next Step: Speak With a Strategic Property Advisor
At Rising Returns we specialise in helping investors navigate market cycles with precision.
Whether you are planning your next portfolio move, assessing property purchases, or reviewing your buyer’s agency agreement, our team can help you make the right decisions in a fast shifting market.
📞 Call us now or book a strategy session online to take advantage of this new policy landscape before competition intensifies.
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