Big Bank Exec reveals Australia’s hottest housing market

One Big Four executive revealed the hottest housing market as the country’s preparations for the imminent back-to-back reduction of interest rates is influx.

Denton Pugh, Australian National Bank home loan executive, explains the momentum currently being established, which housing markets view strong national growth from a borrowing perspective.

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We may go deeper into the winter, but there are clear signs that we can return to the Australian property market.

House values ​​have risen again across the country, up 0.5% in May and up 1.7% in the first five months of the year. Each capital recorded growth. It shows that confidence in the market is growing.

We see that confidence plays a role in people like Emily Chalk, the first home buyer at 32, who recently bought a home outside Rockhampton in the Queensland area.

She spent six months looking for a place to call home.

The conversation with the banker helped her understand how the government’s housing assurance program helped her earlier than she thought. Within a few weeks, she bought a house in the small town where she grew up.

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Stories like Emily’s are becoming more common.

Not only are escalators or investors sitting on equity back to the market. Many initial homebuyers have been waiting for banks to lower their home loan rates so they can not only borrow more, but also move towards home ownership with confidence.

New NAB home loan data shows that loans to the first home buyers have increased by 16% since February, while 32% has increased by 32% more broadly.

Although interest rates are still relatively high, the recent reductions are helping. These cuts combined with initiatives like home guarantee plans, and we are starting to see more people take the first steps.

Of course, we cannot ignore the overall situation. Although monthly growth is recovering, the annual pace of real estate prices has slowed down. This is not good news for investors, but it is good news for those trying to break into the market.

We also see strong momentum in the regional market. The trend that has been building since the pandemic era, but has not disappeared.

By far, the hottest regional markets in 2025:

1. Toowoomba – Queensland

2. Burnett – Queensland

3. Springfield – Redbank – QLD

4. Geelong-Vic

5. Sunshine Coast Hindi – Queensland

6. Mandurah-

7. Loganlea – Queensland

8. Ballarat – Vick

9. Maryborough – Queensland

10 Mackay – QLD

In fact, the Queensland region hotspots account for our list of the hottest regional markets in 2025 to date. Toowoomba, Burnett, Springfield-Redbank and Sunshine Coast Coast Hinterland all rank highly in home loan activities. Geelong, Victoria, is the only non-Queensland regional hotspot to break into the top five.

It might be weather or lifestyle, but regional markets offer not only charm and attractive work-life balance. They offer affordability and long-term growth potential. For buyers like Emily, the attractiveness of maintaining close relationships with families is strong to find space for young families.

“I already know most of my neighbors, when I live in Brisbane, I absolutely didn’t have that,” Emily Chalk, the first home buyer.

This continued momentum is promising, but it also highlights one of the biggest challenges the market is still facing – we need more homes.

Lower interest rates help in demand, but affordability and supply remain huge barriers.

Resolving these issues will take time, commitment and smart policies. Especially when people want to build new housing where they want to live.

However, winter is usually quiet for the real estate market, but most economists expect further interest rates this year, with winter activity expected to be a little higher than usual, continuing to build during the busy spring.

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