Blog post by Empower Wealth

(LIVE) RBA Sep 2025 | Is the Property Boom Back? Animal Spirits Are Stirring…

At 2:30pm AEST on 30^th September 2025, the Reserve Bank of Australia delivered their latest cash rate decision—and as always, we went LIVE to unpack it all.

Hosted by our very own Ben Kingsley and resident economist Evan Lucas, the session covered far more than just the rate call itself. We explored the many factors shaping the RBA’s decision, including inflation, unemployment, investor confidence, and signs of momentum in the property market.

What Happened Today?

The RBA opted to hold the cash rate, keeping it at 3.60%. Coming off the back of August’s 0.25% cut, this decision may not have come as a surprise to most.

What Are “Animal Spirits”?

In economics, “animal spirits” refer to the emotional and psychological drivers that influence investor behaviour—particularly the willingness to take risks.

Coined by renowned economist John Maynard Keynes, the term captures how confidence, fear, hope and pessimism shape decisions in ways that go beyond the data. In times of uncertainty or renewed optimism, animal spirits can trigger waves of market activity—including sharp rebounds in housing demand.

Why This Matters

We’re already seeing early signs of momentum:

Auction clearance rates are trending up
Enquiries from buyers are lifting
Spring listings are beginning to surge

In short: the market appears to be warming up. If this continues, we could see a fast return of FOMO and increasing competition for quality properties. That’s why being ready ahead of the pack is so important.

3 Things You Can Do Now to Get Ahead

1) Review Your Home Loan

Are you paying too much? A quick mortgage review could save you thousands in repayments.

2) Get Clear on Your Plan

Whether it’s a home upgrade, investment property, or building toward financial freedom… it’s far easier to execute if you have a plan in place.

3) Move Before the Rush

When momentum shifts, delays can cost you in both price and opportunity. Be ready before the crowd jumps in.

Final Thoughts

Today’s RBA decision could mark the quiet turning point for Australia’s next property cycle. As economic conditions settle and animal spirits begin to stir, those who are ready will have the upper hand.

The question is: will you be ready?

If you’d like help reviewing your loan, mapping your next property move, or putting a tailored plan in place, our award-winning team is here to help. Book a free, no-obligation consultation below.

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Categories: Mortgage Broking

Tags: Australian economy, Australian property market, Cash Rate, Current Interest Rates, Gross Domestic Product (GDP), Home Loan, Inflation, Interest Rate, Interest Rate Announcement, Monetary Policy, mortgage broking, Property Market, property prices, RBA, rba cash rate, RBA Rate, Reserve Bank of Australia (RBA), Unemployment