At 2:30pm AEST on 30th September 2025, the Reserve Bank of Australia announced its September cash rate decision—and while the rate held steady at 3.60%, all eyes are now on what’s coming next.
After August’s 0.25% cut, buyer confidence is beginning to re-emerge… and there are early signs that a new cycle could be taking shape.
In economic terms, we call this the return of “animal spirits” — a concept coined by John Maynard Keynes to describe the emotional and psychological forces that drive investor behaviour. Think optimism, fear of missing out, and a growing appetite for risk.
Why This Matters
We’re seeing signs that market momentum is starting to return:
- Auction clearance rates are trending upwards
- Buyer enquiries are increasing
- Spring listings are rising earlier than usual
This tells us one thing: sentiment is building. And once confidence returns in full, price growth and competition often follow quickly.
3 Smart Moves to Make Before the Market Moves
- Check Your Mortgage: Tap on “Professional Services” in the Moorr app to speak with a mortgage broker and see if your rate is still competitive.
- Update Your Plan: Refine your financial goals in MyGOALS and test your buffers with MoneySTRETCH.
- Don’t Wait for the Headlines: Smart investors don’t follow the news—they’re already a step ahead of it.
If your home loan hasn’t had a check-up in a while, now’s the time.
A client from our sister company Empower Wealth saved $24,000 a year in interest. Total savings across all clients? Over $2 million last financial year.
Fill out the form below to book a free, no-obligations initial consultation to see how much you could be saving.
