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Should you make a property move in January? Absolutely—Here’s why.

The festive season often brings reflection, resolutions, and ambitious plans for the year ahead. Maybe you’ve been dreaming of upgrading to your dream home, buying your first investment property, or stepping into the market for the first time. You’re set on 2025 being your year.

But as the Christmas craziness subsides, reality kicks in: credit cards maxed, bank accounts drained, and the temptation to push these plans to “later”—say March, when finances feel a little more settled.

That’s where most people go wrong.

January is not the time to wait; it’s the time to act. Here’s why starting in January puts you miles ahead.

The January advantage: Why it’s a buyer’s market.

After the Spring selling frenzy, many properties linger unsold by January. Vendors are growing impatient, and agents are keen to close deals. This dynamic creates the perfect buyer’s market:

• Better Deals: Sellers may accept offers below their listed prices.
• Less Compromise: You’ll find more properties available, giving you the chance to secure something that matches your wishlist.
• Declining Prices: As the market cools, property prices often stabilize or dip slightly. Recent figures show some areas experiencing slight declines, making this an even more advantageous time for buyers.

In this kind of market, buyers have the upper hand, and the opportunity to find what they want—at a better price—isn’t one to miss.

Worried about holiday spending? Banks aren’t. 

Concerned that your holiday spending will hurt your loan application? Don’t be. Lenders understand that December spending is often an anomaly. They focus on your overall financial habits and repayment capacity.

What’s more, January is an efficient time to apply. On average, lenders review applications within two working days and are ready to settle in about two weeks. Acting now ensures you’re well-positioned to act quickly when the right property appears

Why January is the perfect time to prepare. 

The downtime in January is your secret weapon for getting ahead. While the year starts off slower for most, you can take advantage of this quiet period to set yourself up for success.
It’s the perfect time to handle the small amount of paperwork needed to understand your borrowing capacity and get pre-approval sorted. With fewer distractions, you can dedicate time to researching neighborhoods, inspecting properties, and narrowing down your options—all while your mind is fresh and focused after the holiday season.
Use this time to shop around and view properties in a more relaxed market. Without the rush of peak periods, you’ll have the headspace to think clearly and make smarter decisions about what’s right for you.

And while other brokers might still be enjoying their holidays, we’re here, ready to help you get everything sorted as quickly as possible. January doesn’t have to be a waiting game—make it the month you take action.
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Take control of your 2025 property goals.

If 2025 is your year to make big property moves, don’t wait for March. January’s downtime gives you the perfect opportunity to get organized, take advantage of a buyer’s market, and stay ahead of the competition.

• To help you take action, we offer a Free 30-Minute Finance Strategy Session. In this no-obligation session, you’ll:
  Gain clarity on interest rates and loan options.
• Understand the current lending landscape and how to structure your loans.
• Discover tailored strategies to save money on fees, charges, and interest

This isn’t a sales pitch. It’s personalized advice to set you up for success while protecting your lifestyle.

Schedule Your FREE 30-Minute Finance Strategy Session Today

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Please note, the numbers and assumptions listed in this article are for educational purposes only. Individuals should seek specific advice pertaining to their unique situation and the real estate market before making any decisions.

Trilogy Funding Two is a corporate credit representative (Representative Number 506131) of BLSSA Pty Ltd, ACN 117 651 760 (Australian Credit Licence 391237)

About the Author

Since 2008, David Thomas has built a business aimed at servicing the needs of property investors, owner occupiers and small business owners. David is recognised as one of the top 10 independent mortgage brokerages in the country, David and his team have settled almost billions of dollars worth of residential and investment loans over the last decade.

Known for his straightforward, relatable style, David believes by educating people about property funding; they fare better in the market. By sharing his expertise openly, some of the people he educates will likely become his clients. It's a win-win approach.

David Thomas is a credit representative (Representative Number 506153) of BLSSA Pty Ltd, ACN 117 651 760 (Australian Credit Licence 391237).