As we close out 2025, it’s the perfect moment to reflect on the remarkable progress many property investors have achieved this year.  

Despite market shifts, interest-rate movement, and ongoing economic uncertainty, one thing has remained clear: those who stayed committed to strong financial fundamentals and long-term strategy are now reaping the benefits. 

This year brought continued growth across key regions, renewed government focus on housing supply, and improved confidence from buyers and developers alike.  

While short-term fluctuations made headlines, the real story was quieter but far more powerful – steady capital growth, stronger rental yields, and a national acknowledgment that property remains one of Australia’s most resilient wealth-building vehicles. 

For many of our clients, 2025 was a year of taking bold steps: securing new builds, navigating construction timelines, strengthening finance positions, or expanding portfolios with greater clarity and confidence.  

Leaning into the process, trusting the numbers, and focussing on what can be controlled – powerful techniques that separate successful investors from those sitting on the sidelines. 

November Overview 

National home values rose 1.0% in November, marking the third consecutive month of strong growth, though the pace is easing from October’s 1.1% gain. 

Mid-sized capitals are outperforming, with Perth leading at 2.4% growth, while Sydney and Melbourne lag at 0.5% and 0.3% amid affordability constraints.  

Affordability and rate pressures loom, as record-high dwelling value-to-income ratios and expectations of prolonged rate holds signal headwinds for housing sentiment and credit access. 

Cotality’s national Home Value Index rose another 1.0% in November, marking the third month in a row where Australian home values have increased by one per cent or more. Read more HERE. 

To summarise the above graph… 

📊 Summary: Cotality Daily Home Value Index – 10 December 2025 

The latest daily index shows a mixed but overall positive trend across Australia’s major capital cities, with strong annual growth continuing in Brisbane, Adelaide, and Perth. 

🔻 Sydney & Melbourne soften slightly 

  • Sydney: –0.03% day-on-day 
  • Quarterly growth: 1.6% 
  • Annual growth: 5.2% 
  • Melbourne: –0.03% day-on-day 
  • Quarterly growth: 1.4% 
  • Annual growth: 4.5% 

Both markets dipped slightly on the day but still show moderate annual growth. 

🔼 Brisbane, Adelaide & Perth continue strong upward momentum 

  • Brisbane: +0.19% day-on-day 
  • Quarterly growth: 5% 
  • Annual growth: 12.6% 
  • Adelaide: +0.13% day-on-day 
  • Quarterly growth: 4.7% 
  • Annual growth: 8.3% 
  • Perth: +0.06% day-on-day 
  • Quarterly growth: 7.4% 
  • Annual growth: 13.7% 

These markets remain the top performers, showing both strong daily momentum and standout yearly appreciation. 

🏙️ 5-Capital City Aggregate 

  • Daily change: +0.03% 
  • Quarterly growth: 3.1% 
  • Annual growth: 7.4% 

The combined index confirms a healthy national trend, driven largely by the strong performance of Brisbane, Adelaide, and Perth. 

💡 Key Takeaways for Investors 

  • Momentum is shifting toward mid-priced capitals delivering the highest annual growth (Perth, Brisbane, Adelaide). 
  • Sydney and Melbourne remain stable but slower-growing, reflecting more mature, supply-constrained markets. 
  • The overall national picture is positive, with annual growth well above inflation in several markets. 

Lessons Learned in 2025 

  • Clarity creates confidence
    • Data matters
    • Strategy wins 
    • Mindset shapes outcomes; and 
    • Wealth rewards those who act with intention 

2025 wasn’t just another year. 
It was a turning point. 

Looking Ahead to 2026 

If 2025 was the year of clarity 
2026 will be the year of acceleration. 

We’re stepping into more: 
• Education 
• Strategy 
• Personalised planning 
• Investor guidance 
• Mindset coaching 
• Community impact 
• Opportunities for growth 

Looking ahead to 2026, the outlook is strong. Population growth, infrastructure expansion, and rental demand continue to create opportunity for informed investors.  

Those who stay strategic, stay educated, and stay committed to their long-term vision will be best positioned to take advantage of what’s coming. 

Thank you for allowing me and the Wealthology team to be part of your journey this year.  

Supporting you as you build a secure financial future for you and your family is a privilege we never take lightly. 

Wishing you a safe, joyful, and abundant end to the year – and an incredible 2026 full of momentum, progress, and possibility. 

Here’s to continued growth and wealth creation in the year ahead. 

To clarity, courage and the year ahead. 

– Leonie Fitzgerald 
CEO & Founder, Wealthology Australia 
 
P.S I’ve included links to some of our most popular blogs of 2025 below… 

Raising Kids & Money  

👉 https://wealthology.com.au/raising-kids-and-money/ 
What it’s about: How to teach children confidence, independence and healthy financial habits that support generational wealth. 

The Art of Being a Great Landlord  

👉 https://wealthology.com.au/the-art-of-being-a-great-landlord-secrets-to-zero-vacancy-and-long-term-tenant-relationships/ 
What it’s about: How to create zero vacancy, maintain quality tenants and run property like a business. 

Population Growth vs Housing Supply  

👉 https://wealthology.com.au/population-growth-vs-housing-supply-why-property-values-keep-rising/ 
What it’s about: Why demand continues to outpace supply – and what this means for long-term investors.

Discover more insights on these topics: