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🏡 Melbourne Property Market Update – September 2025

Is the recovery real? You bet. But not all suburbs are winning.
After a sluggish few years, Melbourne’s property market is finally showing signs of life—and savvy investors are already making moves. With four straight months of price growth, falling interest rates, and rising buyer confidence, melbourne property is back on the radar.

🔥 Top Performing Suburbs (a.k.a. Investor Goldmines)

These areas are seeing strong price growth and rising demand:

Sunbury – Ranked #1 nationally for expected value growth thanks to a 78% surge in sales activity

Craigieburn, Werribee, Caroline Springs, Hoppers Crossing, Deer Park – Affordable family-friendly suburbs tipped for “supercharged” growth

Docklands – Units are staging a comeback with 7.39% annual growth, 6.05% rental yields, and over 420 unit sales in the past 12 months. It's been a very long haul for investors in Docklands. Long Term results have not been good and personally I'm still not a buyer here.

Hawthorn East – Median house price now $2.58M, up 11.1% over 12 months, with rents rising 6.3% to $935/week

St Kilda – Strong demand for lifestyle apartments, with recent sales ranging from $350K to $3.25M, and high rental turnover

Richmond – Continues to attract young professionals and investors with its mix of heritage homes and high-yield apartments
These suburbs benefit from proximity to the CBD, strong rental demand, and lifestyle appeal.

🧊 Suburbs Still Struggling

Not every postcode is on the up. Areas with oversupply or weak rental demand are lagging:
CBD high-rise apartments – Still oversaturated, with soft rental yields and limited capital growth

Outer fringe estates – Some new developments are facing slow sales and price stagnation due to affordability pressures and lack of amenities

Luxury pockets with inflated 2021–22 prices – Still correcting from pandemic highs

📊 Key Stats You Should Know

Median house price: $1.04M
Median unit price: $577K
Vacancy rate: 1.1% (record low)
Rental yield: 3.7% average
Interest rate: RBA now at 3.85%, with further cuts expected but certainly not guaranteed

💡 What It Means for You
Melbourne is now a countercyclical buying opportunity. Prices are still below peak, but momentum is building. Investors who act now can secure quality assets before the next wave of growth.

✅ Focus on well-located, investment-grade properties ❌ Avoid off-the-plan and high-rise stock 📍 Target suburbs with rising sales activity and tight supply

📣 Want help finding the right property or financing your next move? Drop us a message at Select My Finance or email [email protected] — we’ll help you make smart moves in a shifting market.

⚠️ Disclaimer: This newsletter is for informational purposes only and does not constitute financial advice. Always do your own research or speak with a licensed advisor before making investment decisions.

🏡📈 Property vs Shares: Why Not Date Them Both?

Some people treat investing like picking a favourite child. “It’s property or nothing!” Others swear by shares and wouldn’t touch bricks and mortar unless it came with a free pizza oven.
But here’s the thing — you don’t have to choose. In fact, the smartest investors I know are in a long‑term, committed throuple with both.

Property: The Reliable Partner

Shows up every day, rain or shine.
Gives you rental income that feels like a steady paycheck.
Tends to grow in value over time (and you can actually see it — no one’s ever driven past their share portfolio).
Bonus: You can paint it, renovate it, or brag about it at BBQs.

Shares: The Exciting One

Easy to buy and sell — no open homes or awkward chats about “offers over.”
Lets you own a slice of big companies without having to run them (you can own part of Apple without knowing how to code).
Pays dividends — aka “surprise money” in your bank account.
Can grow fast… and sometimes drop fast, but hey, that’s part of the thrill.

Why Date Both?

Diversification: If one’s having a bad day, the other might be having a great one.
Cash flow + growth: Property can give you steady rent, shares can give you quick wins (and vice versa).
Different strengths: Property loves leverage, shares love liquidity. Together, they’re the ultimate power couple.

💬 Moral of the story: Don’t limit yourself to just one flavour of wealth‑building. Property and shares can work together like coffee and cake — delicious on their own, but magic as a pair.

📩 Want to chat about building your own “investment dream team”? Send me a message to [email protected] and let’s work out how much you can borrow.

If you’re looking to make a home loan switch … ask these refinancing questions before you leap. 🐸

Considering refinancing your mortgage? Here are some questions to ask Home loan not up to scratch? Looking for a better rate? Or do you want to unlock equity? Then refinancing could be for you. But there are some important questions to ask first. If you’re considering refinancing your mortgage, you’re not alone. With the rising cost of living and interest rates hi...