Understanding the spring property market

Key factors for doctors to consider.

Sunday, 31 August 2025

Spring traditionally brings increased activity to the Australian property market, with longer days and improved weather conditions encouraging more buyers and sellers to participate. For medical professionals considering property purchases, understanding the current market dynamics and available financing options can help inform decision-making.

Spring property market trends

Historical data shows spring is typically a period of heightened property market activity across Australia. The combination of favourable weather conditions and the desire to settle into new homes before the holiday season contributes to this seasonal pattern.

According to analysis by REA Group of sales results from 2014 to 2024, property prices tend to fluctuate throughout the year, with values often rising towards the end of the year and peaking around November before climbing again in February¹.

Current market conditions

The 2025 property market has demonstrated sustained growth leading into spring. July marked the sixth consecutive month of property price gains², according to Cotality (formerly CoreLogic). This growth trajectory has been influenced by several economic factors converging simultaneously.

Three interest rate cuts implemented in 2025 have contributed to improved consumer confidence³, and in some cases increased buyers' borrowing capacity. The combination of increased buyer activity and market dynamics has contributed to competitive conditions.

The August interest rate cut of 0.25% has prompted industry analysis suggesting potential for increased buyer activity. One industry report indicates this latest rate cut could stimulate what some analysts describe as a 'buying boom'⁴ due to the enhanced borrowing capacity it provides to some prospective purchasers.

Home loan benefits available to doctors

Medical professionals often have access to specialised lending products that reflect the banking industry's assessment of doctors as lower-risk borrowers with strong income potential.

Lenders mortgage insurance (LMI) considerations

Lenders mortgage insurance typically applies when a home buyer's deposit is below 20% of the purchase price. This one-off cost can amount to thousands of dollars depending on the loan size and deposit.

Many Australian lenders recognise the professional profile and earning potential of doctors. Various institutions offer LMI waivers and enhanced borrowing terms for both owner-occupied and investment residential properties, subject to standard credit approval processes and serviceability assessments. These specialist policies reflect the banking sector's confidence in doctors as borrowers.

Avant Finance collaborates with multiple lenders that offer low deposit options and LMI-waived home loans for doctors, taking into consideration the full scope of a doctor's income including overtime*.

Property planning resources

Property purchasing involves complex decisions that most doctors encounter infrequently throughout their careers. Access to appropriate tools and professional guidance can support informed decision-making.

Avant Finance provides several resources to support property planning:

The home loan repayment calculator^ enables potential borrowers to estimate loan repayments based on various scenarios. This tool provides indicative figures to help with initial property planning considerations.
The property report generator** offers access to market data and property insights, including estimated sale values, suburb growth trends, indicative rental yields, comparable properties currently on the market, and school catchment zone information. These reports can provide valuable context for property evaluation decisions.

Professional Support

Avant Finance primarily works with medical professionals and understands the unique aspects of doctors' financial profiles and time constraints. The team focuses on identifying suitable home loan options whilst acting as an advocate with traditional lenders who may not fully understand the financial capacity of medical professionals.

The service includes comprehensive research to identify appropriate lending products, allowing medical professionals to focus on their primary responsibilities of patient care.

¹ https://www.realestate.com.au/insights/spring-surge-why-home-sellers-keep-choosing-the-end-of-the-year-to-sell/

² https://www.cotality.com/au/insights/articles/values-rise-across-every-capital-as-growth-cycle-warms-up

³ https://www.cotality.com/au/insights/articles/values-rise-across-every-capital-as-growth-cycle-warms-up

⁴ https://www.realestate.com.au/news/rate-cut-could-trigger-buying-boom/

*All applications for credit are subject to eligibility and credit approval criteria. Approval of any loan is subject to standard credit assessment and is at the lender’s complete discretion. Terms, conditions, fees and charges apply. Contact Avant Finance for further details.

^ The results from the Loan Repayments Calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change. Results are based on information you have provided and do not take your personal circumstances into account. This calculator is not intended to be relied on for the purposes of making a decision in relation to any product. You must exercise your own independent skill or judgment or seek appropriate professional advice relevant to your particular circumstances. Avant Finance and its related entities are not responsible to any person for any loss suffered in connection with the use of the calculator and any outputs from the calculator.

** Digital property profile reports (Property Reports) are produced by RP Data Pty Ltd (ACN 087 759 171) trading as Cotality. Avant Finance and its related entities (Avant) are not responsible for and does not make any representations as to the content in the Property Reports (including whether any information is accurate, complete and not misleading). The Property Reports are provided to you on a non-reliance basis and Cotality also does not make any representations to you as to the content of the Property Report. Neither Avant nor Cotality is liable for any loss, damage or injury suffered (even if caused by negligence) as a result of using or relying on any such Property Report.

The information in this article does not constitute legal, financial or other professional advice and should not be relied upon as such. It is intended only to provide a summary and general overview on matters of interest and it is not intended to be comprehensive. Persons implementing any recommendations contained in this article must exercise their own independent skill or judgment or seek appropriate professional advice relevant to their own particular circumstances. Avant Finance and its related entities are not responsible to any person for any loss suffered in connection with the use of this information. Information is only current as of 21 September 2025.