Send us a textShould you wait for interest rates to drop before buying property?In this episode of The Mortgage Chat, I’m breaking down a question many Aussies are asking right now—“Should I wait for a rate cut before buying my first home or investing in property?”I’m Tony Xia, the Founder and Director of The Mortgage Agency—one of Sydney’s top mortgage broker firms.With rising interest rates and the RBA’s next moves still uncertain, it’s important to know what waiting might really cost you. I’ll walk you through how to think about property buying during this high-rate period, when it makes sense to act, and when it’s okay to hold off.In this video, you'll learn:👉  The reality behind rate cuts and property prices👉  Why waiting can backfire for first home buyers👉  How much interest rates would need to drop to make a difference👉  A smart way to structure your loan while rates are still highWant expert advice tailored to your situation?Get in touch with us at The Mortgage Agency for a free consultation with one of our experienced mortgage brokers.We’ll help you secure a great loan—whether you’re buying now or later.Don’t forget to like, comment, and subscribe to The Mortgage Chat for more expert tips on navigating property, mortgages, and finance in Australia.YouTube Chapters:0:00 Introduction0:15 Should you wait for a rate cut?0:45 How rate cuts affect property prices1:30 Example: waiting vs buying now2:05 If rates drop, will you even feel the difference?2:40 What if the market gets more competitive?3:15 Real story of a buyer who waited too long3:55 How to make a smart decision now4:20 Structuring your loan for flexibility4:50 Final thoughts📞 Need personalised help? Contact The Mortgage Agency today for a free chat with our expert brokers. We’ll help you plan smarter and stay ahead in the Aussie property game.👉 Like, share, and subscribe to The Mortgage Chat for more simple breakdowns of finance, mortgages, and property strategies!🎧 LISTEN TO THE PODCASTSpotify: https://open.spotify.com/show/1jjFKsmhZaPYg25QPW9y17Google Podcast: https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5idXp6c3Byb3V0LmNvbS8yMTk1NzEzLnJzcw==YouTube: https://www.youtube.com/@themortgageagency 📍 FIND US HERELinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596 Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511 Instagram: https://www.instagram.com/tonyxia_themortgageagency/ YouTube: https://www.youtube.com/@themortgageagency8841/videosBook a quick call⬇️https://themortgageagency.com.au/contact/Tony Xia | The Mortgage Agency📞 0423 718 612📩 [email protected] cut Australia, wait for interest rate cut, buying property in 2025, mortgage strategy Australia, home loan tips, should I wait to buy property, RBA interest rates 2025, buying vs waiting property Australia, mortgage broker Sydney, The Mortgage Chat

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