Finally, Interest Rates Are Down

Could This Be the Time to Start Building Your Dream Home with The Markon Group?

After a steep run-up in 2022–2023 that took the cash rate to 4.35%

(November 2023), borrowers finally have some tailwinds again: the RBA has shifted into easing mode, with the cash rate now 3.60% after cuts in February, May and 12 August 2025. It’s not just a headline — lower rates can mean friendlier borrowing assessments and more breathing room in monthly budgets. For many families, this feels like the turning point.

At The Markon Group, we help you turn that momentum into a home that fits your life, your block and your budget — combining smart finance conditions with Queensland-savvy, energy-efficient design.

What a 0.25% Rate Drop Means in Real Dollars

Illustrative principal-and-interest examples (30-year term), comparing 5.90% vs 5.65%:

$500,000 loan

 Monthly: $2,965 → $2,886

• Save ≈ $80/month (≈ $954/year; ≈ $28,621 over 30 years)

$750,000 loan

 Monthly: $4,449 → $4,329

• Save ≈ $119/month (≈ $1,431/year; ≈ $42,932 over 30 years)

$1,000,000 loan

 Monthly: $5,931 → $5,772

• Save ≈ $159/month (≈ $1,908/year; ≈ $57,243 over 30 years)

Even modest reductions add up — especially after the last few years of increases. As cuts flow through, the numbers for building can become significantly more comfortable. (Actual lender rates/assessments vary.)

New: First-Home Buyer Grants & Benefits (QLD — New Builds)

If you’re a first-home buyer building in Queensland, the current settings are unusually supportive for new homes — perfect for making the most of easing rates:

First Home Owner Grant (FHOG): $15,000 or $30,000

• Eligible first-time buyers of a new home in QLD may access $15k or $30k, depending on circumstances. (Eligibility and timeframes apply.)

Full Transfer Duty Concession for New Homes (from 1 May 2025)

• The first home (new home) concession provides a full transfer duty (stamp duty) concession with no cap on the purchase price for eligible transactions. That’s a major saving exclusive to new homes.

Full Transfer Duty Concession on First-Home Vacant Land (from 1 May 2025)

• Building from scratch? There’s a full concession on eligible first-home vacant land too (no value cap; residential use conditions apply).
• Home Guarantee Scheme (National, via Housing Australia)
• First Home Guarantee: buy/build with 5% deposit (no LMI) if eligible.
• Regional First Home Buyer Guarantee: 5% deposit for eligible regional buyers.
• Family Home Guarantee: single parents/guardians can buy/build with 2% deposit (no LMI) if eligible.

Call To Action for First-Home Buyers: Lock in today’s settings and get a plan on paper while rates are easing.
Start here: Homes by Markon → the design chat → budget alignment → pre-construction roadmap.
👉 The Markon Group



Why Building Now Makes Sense

Building lets you capture today’s finance conditions and design exactly what you want: light façades, passive shading, efficient glazing and Colorbond® roofing that works for Queensland summers. As rates ease, more of your budget can go into long-term comfort instead of interest, and you can value-engineer spaces you’ll actually use.

How Different Buyers Benefit (and What to Do Next)

Rates surged through 2022–2023, tightening budgets across Australia. With multiple 2025 cuts already delivered, the trend looks friendlier for borrowers

 

First-Home Buyers — Start Smart (and leverage the incentives)

Lower repayments plus FHOG, full stamp-duty concessions on new homes, and low-deposit guarantees can significantly reduce your upfront and ongoing costs. We’ll map your design to your borrowing comfort so repayments stay sane as the rate cycle eases.

Next step: Click the links to find out more

 👉 Homes by Markon

👉 Book a friendly eligibility & design chat

 👉 Return/Upgrading Buyers — Step Up Confidently

Easing rates make upgrading (second living zone, office, upstairs retreat) more achievable. We’ll right-size the plan for usability, energy performance and future value — not just raw square metres.

 Next step: Click the links to find out more

 👉 Homes by Markon

 👉 Start your upgrade plan

Knockdown & Rebuild Buyers — Love the Street, Replace the House

If you love your location but not the house, a KDR lets you reset maintenance headaches and build a high-performing, climate-smart home. As rates trend down, the numbers often stack up better — and you stay in your community.

Next step: Click the links to find out more

 👉 Knockdown & Rebuild

Investment Buyers (incl. SMSF) — Build for Yield and Longevity

Rate reductions can improve cash flow and serviceability on compliant investment strategies — especially duplexes or secondary dwellings where design drives tenant appeal and low maintenance. We work with your licensed advisers to align design, durability and returns. (General info only; seek advice.)
Next step:
👉 Markon Modular

 👉 Self Managed Super Fund Investors
👉 Investor consultation

Ready to Move While Rates Are Easing?

If you’ve been waiting for a sign, this is it. With rates off their peak and real savings on the table, now’s the time to get plans moving — from concept to approvals — so you’re ready to build as conditions keep improving.
Start your journey with The Markon Group:

 👉 Reach out and we'll get back to you shortly

• RBA easing in 2025; cash rate now 3.60% (cuts Feb/May/Aug 12, 2025) and peak 4.35% in Nov 2023.
• QLD First Home Owner Grant: $15k or $30k for new homes (eligibility/timeframes apply).
• QLD first home (new home) concession: full stamp duty concession with no price cap (from 1 May 2025). First-home vacant land concession also full from 1 May 2025.
• Home Guarantee Scheme (Housing Australia): First Home Guarantee (5% no LMI), Regional First Home Buyer Guarantee (5% no LMI), Family Home Guarantee (2% for single parents