Making the most of 2025: interest rates, property prices, and the Trump show

As we settle into 2025, there’s a lot to keep an eye on – some of it exciting, some of it exhausting, and plenty of it unpredictable.

But if we focus on what actually matters, there are opportunities to make the most of the year ahead. Here’s what’s shaping up to be front and centre.

Interest rates: a gentle descent

After a tough stretch of rising rates, we’re finally seeing some relief. At Tribe Financial, we expect three rate cuts spaced out over the year, but let’s be real: nothing in the global economy is set in stone.

A lot depends on external factors, from inflation trends to geopolitical surprises. For homeowners, buyers, and businesses, this gradual easing will provide some breathing room. But, it’s worth staying agile and keeping an eye on shifts in the market.

Property prices: slow and steady

The Australian property market is likely to keep moving, just at a much more relaxed pace. We’re not in for any dramatic price jumps, but mild growth is on the cards. With interest rates nudging lower, borrowing will become a little easier, but affordability remains a challenge. The Surf Coast, with its lifestyle appeal, will still attract interest, but buyers and sellers should temper their expectations – this year is all about steady, sustainable moves rather than a property boom.

Trump: loud but not always meaningful

Like it or not, Donald Trump is going to dominate headlines in 2025. But let’s not get too caught up in the noise. While his words and antics will grab attention (and plenty of clicks), the reality is that a lot of it doesn’t translate into meaningful change – at least not for Australians.

Instead of getting lost in the media frenzy, it’s worth focusing on what actually impacts our day-to-day lives, whether it’s local policy, economic shifts, or simply making the most of what’s happening in our own backyard.

Looking ahead 2025 is shaping up to be a year of gradual adjustments rather than seismic shifts. Interest rates will ease, property prices will inch forward, and Trump will keep the internet buzzing. The key? Stay informed, stay grounded, and don’t let the noise distract you from what really matters. Here’s to making the most of the year ahead!

Considering something similar for your family and not sure what’s possible? Or have a question you’d like to ask our team? Email [email protected]

By Jamie Hyndman, director of Tribe Financial,