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RBA, FHB frenzy, price growth, landlord rules, and lending risks: What’s next?

13 NOV 2025 By Robyn Tongol 2 min read Investor Strategy

In the latest episode of The Smart Property Investment Show, hosts Liam Garman and Emilie Lauer explore the current state of the Australian property market, highlighting key trends affecting investors, first home buyers, and landlords.

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They discuss the Reserve Bank of Australia’s decision to hold the cash rate at 3.60%, noting the stabilising effect on the market while economists remain divided on when the next move might occur.

The hosts examine the First Home Guarantee Scheme, which has seen a 48% increase in uptake year-on-year, driving national price growth of 5.1%, with Melbourne and Sydney leading the rise.

The discussion also covers commercial property, where Sydney offices are recovering post-pandemic, yields are tightening, and investor lending is surging to $40 billion, the highest level since 2017.

Victorian landlords are also highlighted as facing regulatory challenges, including strict compliance rules and fines, and increasing reliance on property managers for guidance.

 
 

Despite these pressures, demand for rental properties remains strong, driven by immigration and student housing needs, underscoring the critical role landlords play in the market.

If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X and LinkedIn. If you would like to get in touch with our team, email [email protected] for more insights, or hear your voice on the show by recording a question below.

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Landlord
A landlord, also known as a lessor, refers to an individual that owns a leased property.
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