Should You Buy Now or Wait? Here’s What to Consider in 2025

It's the age-old question: “Should I buy now, or wait?”

If you’re a first home buyer, a nervous investor, or just watching the market tick up and down like a yo-yo, this one’s for you.

Here’s how to weigh the pros and cons — and how Nude Home Loans helps you decide what’s best for you.

🔍 What’s Happening in the 2025 Market?

• Interest rates are higher than two years ago, but starting to stabilise

• Property prices in Melbourne’s inner and middle suburbs are nudging upward again

• Government incentives for first home buyers are still in play (for now)

🤔 Reasons to Buy Now

1. Beat future price rises — waiting 12 months could mean paying more

2. Start building equity sooner

3. Lock in current government grants or discounts

4. You’re personally ready (savings, job, lifestyle)

💭 Reasons to Wait

1. Saving a bigger deposit = lower repayments + less LMI

2. More stock may hit the market later in the year

3. You’re not quite financially ready yet

🧠 What Matters Most? Your Situation

There’s no one-size-fits-all answer. That’s where brokers like Nude come in:

• We crunch the numbers for both NOW and LATER scenarios

• Show you how interest, price, and timing affect repayments

• Help you access pre-approvals so you’re ready when you are

👥 Real Story: Marcus in Thornbury

Marcus had $38k saved and was eyeing a late-2025 buy. After chatting with us, we ran two scenarios:

• Buy now at $620k, 5% deposit, with First Home Guarantee

• Wait 12 months, save another $12k, but prices might hit $660k

He decided to go for it. Locked in a spot in April. Loves his new place.

“If I’d waited, I probably couldn’t afford this place. You guys helped me see the bigger picture.”

✅ Wondering If Now’s the Right Time to Buy?

Let’s run the numbers together and help you decide.

👉 [Book your now-vs-later session with Nude Home Loans]