July 2025: the third cut
Cash rate to 3.60% on 8 July 2025. Three cuts in five months. Investor activity hit a 30-month high.
The structural shift
Investor share of new lending rose to 38% in July 2025 from 31% in January. New-build investor enquiries through major channels rose 40%+ year-on-year. The window for grandfathering acquisitions before any potential 2026 tax change began closing in real time.
Why I was already flagging the risk
On Sky News through July I was specifically calling out the politics: with affordability deteriorating again under a renewed boom, the Government was being pushed toward structural reform. Investors who heard that framing and acted captured the cleanest pre-Budget acquisition window of the cycle.
Dax Stanley
Founder & Principal Strategist, Hera Property. #1 international bestselling author of Real Estate Investing Using ChatGPT.