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New insights from Smartmove Professional Mortgage Advisors have revealed a cautiously optimistic outlook among mortgage holders, with many viewing global trade tensions as a possible catalyst for interest rate cuts and renewed opportunities in the property market.
As the 2025 federal election draws closer, Smartmove’s latest Pulse Check survey of its customer base has shown that 54 per cent believe global trade tensions could prompt the Reserve Bank of Australia (RBA) to cut rates within the next 12 months, potentially creating opportunities for borrowers.
Meanwhile, 17 per cent of respondents said they are feeling somewhat or more interested in property investment or refinancing as they look to secure favourable rates.
Expectations around repayment conditions remain mixed. While 30 per cent of mortgage holders expect repayments to become easier over the next year, 27 per cent anticipate they will become more difficult.
Darren Little, GM – lending at Smartmove Professional Mortgage Advisors, said borrowers are increasingly reviewing their lending arrangements as market conditions evolve.
“Our latest Pulse Check shows that borrowers are thinking strategically. Many are recognising that global volatility could translate into lower rates – and they are looking closely at how they can best position themselves,” Little said.
“In a climate of economic uncertainty, borrowers want clarity and trusted guidance. Whether it’s refinancing for better value, adjusting to life changes, or planning ahead, our team of mortgage brokers are focused on helping customers navigate these decisions with confidence and care.”
As borrowers continue to face pressure from rising living costs and fluctuating market conditions, Smartmove has reported increased demand for personalised lending support from mortgage brokers.
Customers are not only seeking competitive rates but also assistance in managing repayments and setting up more flexible loan structures to better withstand future uncertainty.
Housing stress a key issue for voters
These findings come as data released by Money.com.au revealed that voters have identified housing stress as a primary concern that will likely influence their voting preferences on Saturday (3 May).
While cost of living remains the top concern for 59 per cent of Aussies, the next most pressing issue is home ownership, with 17 per cent of Gen Z and Millennials ranking it as their top concern.
Additionally, 11 per cent of Gen Z and 8 per cent of Millennials ranked rental affordability as their top concern.
[RELATED: Housing stress top of mind this federal election]
