Current Listings & Supply

Median Sales Price

Average Days on Site

• Sellers should factor this timeline into their planning — from listing to settlement, allow a few months.
• Buyers can feel confident they have time to do their due diligence without needing to rush decisions.

Search Activity — What People Are Looking For

What Are Buyers & Renters Filtering By?

How People Are Searching

There has been growing discussion about the Australian Government potentially halving the Capital Gains Tax (CGT) discount on investment properties from 50% to 25%.

If introduced, this would mark one of the most significant tax changes affecting property investors in decades.

So what could it mean for investors, renters, and the Bundaberg and broader Queensland property markets?

First, What Is Changing?

Currently, investors who hold a property for more than 12 months receive a 50% discount on the capital gain when they sell.

Under the proposal:

• The discount would reduce to 25%.

• Investors would pay more tax on future capital gains.

• Owner-occupiers would not be affected.

This is aimed at improving housing affordability and increasing government revenue - but the ripple effects could be wide-reaching.

Impact on Property Investors

Short-Term Effects

If the CGT discount is halved, we would likely see:

• Investors reassessing future purchases

• Some landlords selling before changes take effect

• A pause in investor activity while the market digests the news

Industry surveys already show investor hesitation when tax reform is discussed. In Queensland, this has translated into more cautious buying behaviour.

For Bundaberg - where yields remain attractive compared to metro markets - investors may hold rather than exit, particularly if properties are positively geared. However, new investment activity could slow.

Long-Term Effects

Economic modelling from the Grattan Institute suggests property prices may fall by 1–4% compared to where they otherwise would have been.

In other words:

• This is not a crash scenario.

• It is more likely a moderation of growth.

Over time, the market may rebalance:

• Fewer speculative investors

• More owner-occupiers competing for homes

Large-scale investors would absorb higher tax bills, while smaller “mum and dad” investors could feel the squeeze more sharply.

Impact on Renters

This is where the debate becomes more complex.

The Immediate Risk

Queensland’s rental vacancy rate is sitting around 1%, with many regional areas even tighter. The REIQ has repeatedly described the rental market as critically undersupplied.

Bundaberg’s vacancy rate has also been extremely low.

If investors:

• Sell rental properties, or

• Stop purchasing new ones

The rental pool shrinks further.

And when supply shrinks in a market already this tight, rents tend to rise.

Longer-Term Possibilities

Supporters argue that:

• Reduced investor competition could help first-home buyers.

• Government revenue from higher CGT could be redirected into social housing or rent assistance.

However, without strong supply measures, the rental pressure may intensify before any benefits flow through.

Impact on the Bundaberg and Queensland Property Market

Property Prices

Most economic forecasts suggest modest downward pressure, not dramatic declines.

For Bundaberg specifically:

• The market has been supported by affordability compared to Brisbane.

• Interstate migration and lifestyle appeal remain strong.

• Limited housing supply continues to underpin values.

Even if growth moderates slightly, the fundamentals remain solid.

Construction and Development

Some analysts warn that investor-driven developments - particularly off-the-plan apartments in larger cities - could slow.

The Property Council of Australia has suggested that a smaller reduction (for example to 40%) may avoid shocking the system while still addressing tax reform goals.

For regional areas like Bundaberg:

• New supply is already constrained by land release and infrastructure timing.

• Any reduction in investor appetite could make it harder to increase rental stock quickly.

Who Benefits?

Potential winners:

• Some first-home buyers (less investor competition)

• The federal budget (increased tax revenue)

• Owner-occupiers in the long term if supply increases

Potential losers:

• Small-scale investors relying on capital growth

• Renters in the short term if supply tightens further

• Regional markets already struggling with low vacancy

What Could Happen Next?

Policy alternatives often discussed include:

• Phasing changes in over several years

• Exempting newly built housing

• Introducing partial reductions rather than a full halving

Many economists argue that improving affordability requires increasing supply, not just adjusting tax settings.

What This Means for Bundaberg

Bundaberg’s market is driven by:

• Relative affordability

• Strong rental demand

• Lifestyle migration

• Limited stock

Even if the CGT discount is reduced, these underlying drivers do not disappear.

What we may see instead is:

• Slower investor growth

• Continued rental pressure

• Gradual rebalancing toward owner-occupiers

The key variable will be supply. Without meaningful increases in housing construction, rental pressure is unlikely to ease.

Final Thoughts

Halving the CGT discount would reshape investor calculations, but it is unlikely to dramatically reset property values in Bundaberg or Queensland.

The bigger question remains:

Will tax reform be matched by meaningful housing supply reform?

Because without more homes, changing tax settings alone won’t solve affordability.

• Brisbane: 15.7% annual growth, median $1,054,555
• Maryborough (Wide Bay): 16.8% annual growth, median $630,203
• Bundaberg (Wide Bay): 15.6% annual growth, median $677,124
• Toowoomba: 19.1% annual growth, median $815,354
• National average: 9.4% annual growth, median $912,465

• Rising inflation and potential interest rate hikes
• Normalizing population growth after the post-COVID "catch-up" period
• Affordability and serviceability constraints
• More cautious lending environment following APRA's debt-to-income lending limits

• Persistently low supply levels across regional areas
• Attractive incentives for first-home buyers
• Labour market resilience
• Ongoing appeal of regional lifestyle markets

1. Capital Growth: The 15.6% annual growth demonstrates strong recent performance, though investors should be aware that historical returns are not guarantees of future performance.
2. Rental Yields: Regional Queensland generally offers stronger gross rental yields (4.1% for Regional Qld) compared to capital cities like Sydney (3.0%) or Melbourne (3.6%).
3. Value Proposition: At $677,124 median, Bundaberg offers approximately $377,000 less than Brisbane, representing significant savings for similar climate and coastal access.
4. Market Maturity: With values now at historic peaks across most of regional Queensland, buyer due diligence and realistic growth expectations are essential.

Fresh inflation data has reignited national debate around interest rates, with many economists now tipping a rate hike at the Reserve Bank of Australia’s next meeting. But while the headlines are grabbing attention, we believe the full picture tells a more measured story.

Inflation lifts again – but context matters

Australia’s annual inflation rate rose to 3.8% in the December quarter, up from 3.4% previously, according to the Australian Bureau of Statistics. This jump was largely driven by housing-related costs and a sharp spike in electricity prices, particularly in Queensland and Western Australia.

Electricity prices surged 21.5% as government subsidies rolled off, pushing Brisbane inflation to 5.2%, the highest in the country. Without the removal of these subsidies, power prices would have increased by a far more modest 4.6%.

Rental prices also rose 3.9% over the year, though this was slightly softer than the previous quarter. The ABS pointed to relatively stable vacancy rates across most capital cities, suggesting rental pressure is no longer accelerating at the pace seen earlier.

Add in higher supermarket prices and a seasonal jump in travel and accommodation costs, and it’s easy to see why inflation surprised on the upside.

Markets are calling a hike – but the RBA rarely rushes

Following the data release, all four major banks shifted to predicting a rate rise at the next RBA meeting, with some economists framing it as a one-off “insurance” move rather than the start of a new tightening cycle.

Market expectations for a rate hike jumped to around 75%, and the Australian dollar briefly strengthened in response.

However, this is where we take a slightly different view.

Our view: the RBA is likely to stay patient

Historically, the RBA has taken a very conservative and deliberate approach to interest rate decisions. It does not tend to raise or cut rates based on a single quarter of data, especially when that data has been heavily influenced by temporary or policy-driven factors such as expiring subsidies.

While the trimmed mean inflation figure lifted to 3.4%, it is still trending lower than the peaks seen previously. Importantly, much of the recent inflationary pressure is coming from areas outside direct monetary control, like energy pricing and seasonal travel demand.

We believe the RBA will want to see:

• Sustained inflation pressure across multiple quarters

• Clear evidence that inflation is re-accelerating, not just bumping along

• Confirmation that recent job strength and spending data continues into 2026

Until then, a “wait and see” approach remains very much on the table.

What this means for Bundaberg property buyers and owners

For Bundaberg buyers, stability is the big takeaway. Local property prices remain far more affordable than major capital cities, and borrowing conditions have been steady for some time. This gives buyers the chance to plan with confidence rather than rushing decisions based on short-term rate speculation.

For home owners and investors, Bundaberg continues to perform on strong local fundamentals. Consistent buyer demand, ongoing population growth in the region, and tight rental conditions are supporting both values and rents. Even if interest rates were to move later in the year, any change is likely to be modest rather than disruptive.

Importantly, Bundaberg’s market is less exposed to rapid price swings seen in larger cities. That resilience means fear-driven headlines out of Sydney or Melbourne often have far less impact here on the ground.

In short, local buyers and owners are operating in a market driven more by lifestyle, affordability and long-term demand than by short-term interest rate noise.

Bottom line

Yes, inflation ticked higher. Yes, some economists are calling for a rate rise. But based on the RBA’s track record and the temporary nature of several inflation drivers, we do not expect an interest rate hike at next week’s meeting.

As always, we’ll be watching closely and keeping our clients informed with clear, local insight — not just national noise.

If you’d like to chat about what this means for your buying, selling or investment plans in Bundaberg, our team is always happy to help.

The Queensland rental landscape has undergone a dramatic transformation, with new data revealing record-breaking increases that are reshaping how residents across the state approach housing affordability.

The Numbers Tell a Stark Story

Statewide, Queensland's median rent has climbed to $670 per week – translating to nearly $35,000 annually. This figure now consumes more than a third of many household incomes, pushing families firmly into what experts classify as rental stress territory. Perhaps most surprisingly, Brisbane and regional Queensland now share identical median rents, eliminating what was once a clear cost advantage for those living outside the capital.

The Gold Coast has emerged as Queensland's most expensive rental market at $850 per week, surpassing even Sydney's median of $760. This represents an annual housing cost exceeding $44,000 – a figure that would have seemed unthinkable just a few years ago.

Brisbane and Regional Centres Feel the Pressure

Brisbane's rental market tightened further through the December quarter, with median rents for all dwellings climbing 3.1 per cent quarterly and 6.3 per cent over the past year. REA Group senior economist Anne Flaherty points to a fundamental disconnect between wage growth and housing costs.

The rate at which we've seen home prices and rents increase in Brisbane has far outstripped the pace at which people's salaries have increased, The end result is that people are forking out a much higher percentage of their take-home salary in housing costs compared to a few years ago.

Regional markets that once offered affordable alternatives are experiencing similar pressures. Cairns saw rents jump 8.7 per cent annually to $625 per week, while Townsville recorded a striking 10 per cent year-on-year increase to approximately $550 weekly.

What This Means for Bundaberg

Here in Bundaberg, we're witnessing these same trends firsthand. Our local median rent is rapidly approaching $600 per week – a milestone that reflects the broader market forces reshaping housing accessibility across Queensland. The regional insulation from housing market pressures that communities like ours once enjoyed has largely evaporated.

Market Snapshot: 2025 Rental Increases

• Brisbane: All dwellings up 6.3% to $670/week (houses $690, units $650)
• Regional Queensland: All dwellings up 6.3% to $670/week (houses $680, units $650)
• Gold Coast: All dwellings up 6.3% to $850/week
• Townsville: All dwellings up 10% to $550/week
• Cairns: All dwellings up 8.7% to $625/week

Looking Ahead

With little relief forecast in the near term, renters and property investors alike are adjusting to this new reality. Understanding these market dynamics is essential for making informed housing decisions in 2025 and beyond.

Whether you're currently renting, considering entering the market, or exploring investment opportunities, the team at First National Real Estate Bundaberg is here to help you navigate these challenging conditions with local expertise and market knowledge.

Australia’s housing market just keeps powering on, and now the banking regulator is stepping in with a major change aimed at keeping things safe, steady, and sustainable! From 1 February, APRA will roll out new limits on how much banks can lend to borrowers with very high debt levels — and it could shape the way home loans are approved in 2026 and beyond.

What’s Changing?

APRA is putting a cap on the number of high debt-to-income (DTI) loans that banks can issue. These are loans where a borrower’s total debt is more than six times their annual household income - the type of lending that can leave households stretched too thin if interest rates rise.

Under the new rules:

• Banks can issue no more than 20% of new loans with a DTI ratio above six.

• The cap applies separately to owner-occupiers and investors.

• The goal is to prevent investors from pushing everyday buyers out of the market.

To give a quick example: A household earning $100,000 a year taking on more than $600,000 in total debt would fall into this “high DTI” category.

Why Is APRA Doing This?

Housing is booming again, and with values rising quickly, APRA says it's acting early to avoid a build-up of risky lending. Other countries such as Ireland, the UK, Norway, New Zealand, and Canada already have loan-to-income caps in place - and APRA has been watching those markets closely.

It’s worth noting: Australia has never capped high DTI lending before. This is a first!

APRA’s Chair, John Lonsdale, says the regulator wants to keep the system stable without shutting the door on everyday buyers. And while the cap applies across the board, APRA expects it will have more bite for investors, who tend to borrow more aggressively.

What’s Not Included?

The regulator is keeping some vital lending categories out of the cap to avoid slowing down construction and development. Excluded loans include:

• Bridging loans

• Loans for the construction of new homes

This is good news for builders, first home buyers building new homes, and governments trying to boost housing supply.

A Look Back - And What We Can Learn

APRA has used other levers in the past to cool investor activity, such as the cap on interest-only loans in 2017. During that period, Australia saw its sharpest correction in recent years, with home values dropping 8.2% nationally between late 2017 and early 2019.

This new policy isn’t designed to force prices down — but it is designed to keep a lid on runaway borrowing before it becomes a bigger problem.

Industry Response

The Australian Banking Association has backed the move, calling it targeted and sensible. They’ve also supported the exemption for new dwelling loans, saying it helps maintain access to safe lending while still supporting much-needed housing supply.

What Could This Mean for You?

If you're planning to buy or invest in 2026:

• Borrowers with lower DTI ratios will find the process similar to today.

• Buyers aiming to stretch their borrowing power may find banks tightening the reins.

• Investors might feel the pinch more than owner-occupiers.

Overall, it’s a sign that regulators want steady, sustainable growth — not a return to risky lending that could shake the broader economy.

Across the state, 38 of the 50 regions are sitting at or below 1.0%, proving just how tough it is for renters to find their next home. While some pockets shifted slightly this quarter, the overall market remains incredibly tight, creating a statewide traffic jam of tenants wanting to move—but unable to find anywhere to go.

A Market Stuck in Gridlock

REIQ CEO Antonia Mercorella says Queensland’s rental market is behaving exactly like a peak-hour motorway. People are staying put not because they want to, but because the competition for listings is so fierce.

Many renters are renewing leases out of necessity rather than choice—often applying for multiple properties at once just to secure one. Property managers are still receiving a flood of applications for each listing, but many of these are simply “backup plans”.

Tenancy lengths are creeping up too. New RTA data shows:

• Houses: Median tenancy up to 21.1 months

• Units: Holding steady at 18.2 months

Longer leases might sound like a positive, but in this climate it signals limited choice rather rather than genuine tenant stability.

Owner Sentiment Shifting

The report also reveals growing frustration from rental property owners. With rising costs, stricter legislation, and a spike in early break leases (due to new limits on tenant liability), many owners are feeling the pressure.

A growing number of tenants are accepting lease terms they don’t intend to keep—continuing their search for something better even after moving in. These early breaks leave many owners footing new advertising and reletting costs, with little rent compensation.

Bundaberg’s Vacancy Rate

Bundaberg’s rental market mirrors the broader Queensland squeeze, recording a very tight 1.0% vacancy rate this quarter. This places Bundaberg firmly in the “tight” category, highlighting strong tenant demand, limited supply, and fast-moving rental conditions across the region. Local property managers continue to see high application volumes and quick leasing turnarounds, with few signs of easing in the months ahead.

Not All Markets Are Equal

Although Queensland is deep in a rental crisis, not every pocket of the state feels the same.

Higher-end properties, older or lower-quality homes, or niche market segments can still linger on the market, especially if they’re overpriced. Even in a tight market, tenants remain price-sensitive.

Looking Ahead: More Tight Conditions on the Way

Don’t expect relief anytime soon. The REIQ says rental activity is now steady year-round, with the usual seasonal peaks flattening out completely.

The main issue hasn’t changed—Queensland’s housing supply simply isn’t meeting demand. The call to action is clear:

• More new builds

• More private rental sector investment

• Support for build-to-rent and diverse housing formats

• Fair legislation that encourages investors to stay in the market

Until housing supply gets moving, the rental gridlock will continue.

Queensland’s Tightest and Weakest Markets

At the extreme end, some regions have virtually no vacancies:

• 0.0% — Cook

• 0.1% — Charters Towers, Goondiwindi

• 0.2% – 0.3% — Banana, Maranoa

Major population hubs are also squeezed:

• Greater Brisbane: 0.9%

• Brisbane LGA: 1.1%

• Ipswich & Logan: 0.8%

• Redland & Sunshine Coast: 1.0%

• Toowoomba: 0.5%

• Cairns: 0.7%

• Townsville & Rockhampton: 0.8%

• Mackay: 0.9%

A few areas show signs of relief:

• Noosa: 1.9%

• Gladstone: 2.2%

• Bay Islands: 4.0%

• Isaac: 5.5%

These last two are Queensland’s only “weak” markets.

Quarterly Movements Worth Noting

Some of the biggest drops were seen on the Sunshine Coast:

• Maroochy Coast: –0.5pp

• Hinterland: –0.5pp

• Noosa: –0.5pp

Other regions slipped by –0.3pp, including Banana, Cassowary Coast, and Central Highlands.

Fifteen regions held steady this quarter, including Greater Brisbane, Ipswich, Logan, Redcliffe, Toowoomba and Cook.

Modest increases of +0.1pp were seen in Brisbane, Moreton Bay, Redland, Bundaberg, Mackay, Rockhampton, Livingstone and Southern Downs.

Gladstone experienced a larger rise of +0.4pp, while Bay Islands lifted +0.3pp, and Isaac jumped by +1.3pp.

Fast Facts – September Quarter 2025

• Statewide vacancy rate: 1.0%

• Bundaberg vacancy rate: 1.0%

• Tightest markets: Cook (0.0%), Charters Towers (0.1%), Goondiwindi (0.1%)

• Highest vacancy rates: Isaac (5.5%), Bay Islands (4.0%), Noosa (1.9%)

• Largest drops: –0.5pp in Maroochy Coast, Hinterland & Noosa

• Largest rises: +1.3pp Isaac, +0.4pp Gladstone, +0.3pp Bay Islands

• Market categories:

  • 0–2.5% = Tight

  • 2.6–3.5% = Healthy

  • 3.6%+ = Weak

The latest data from July to September 2025 shows Bundaberg’s housing and rental markets were already thriving even before the scheme began — setting the stage for even stronger gains ahead.

What Is the Home Guarantee Scheme?

The Home Guarantee Scheme is a Federal Government initiative designed to help Australians enter the property market sooner, allowing eligible buyers to purchase with as little as a 5% deposit (and 2% for single parents) without paying Lenders Mortgage Insurance.

From October 2025, the scheme expanded to:
✅ Include friends, siblings, and family members buying together
✅ Allow permanent residents (not just citizens)
✅ Increase income thresholds for singles and couples
✅ Allocate more places for regional buyers

These changes are expected to supercharge demand in regional hotspots like Bundaberg, where affordability, coastal lifestyle, and steady growth are drawing attention from both locals and interstate buyers.

Bundaberg’s House Price Growth (July–September 2025)

Bundaberg’s property market showed solid performance across nearly all 26 suburbs prior to the new policy rollout — proving that confidence and demand were already strong.

• Bundaberg remains one of the more affordable markets in Queensland. This position gives it then advantage when prices are rising in major metros — buyers looking for value will increasingly look regionally. According to local trend analysis, the median house price growth is steady.
• Rental demand is tight — which is very positive from a landlord/investor perspective. Local data shows solid rental yields and low vacancy rates.
• Lifestyle trends (sea-change, regional living) continue to drive interest — Bundaberg and Bargara offer strong appeal for families, retirees, remote workers, and holiday-home buyers.
• Infrastructure and supply metrics in Bundaberg show a controlled pipeline of new dwellings, which may help mitigate oversupply risk and support continuing value growth.

• While Bundaberg is growing, it’s not moving at the same break-neck pace as some capital-city suburbs. Income levels in the region are still below the state median.
• The national surge in metro house prices may spill over into regional markets — but timing and magnitude can vary. If major cities pull back, it could soften the tailwind for regional markets.
• With national supply concerns still flagged by the RBA till 2027, this suggests sustained pressure on demand and rising prices — however, for Bundaberg, new large estates or new supply could moderate future growth if not managed well.
• Investors must still consider local factors like rental yield, maintenance, infrastructure and exposure to economic shifts (for example tourism, employment base) when looking at Bundaberg.

• Houses: I expect continued price growth in the range of 5–8% per annum for well-located houses in the Bundaberg/Bargara market. Premium lifestyle locations (coastal, acreage) may see the higher end of that range.
• Units: Growth will still occur, though perhaps slightly more modest — given the smaller entry price and possibly higher sensitivity to supply.
• Investors: We’ll likely see strong competition for good rental properties, healthy yields and shorter time on market.
• Sellers: It’s a favourable time to list — if your property is in good condition and correctly priced, you could benefit from both capital growth and strong buyer activity.
• Buyers: Time is of the essence — buying now may mean you avoid paying significantly more a year or two down the track, especially if the national trend continues.

According to new research from Money.com.au, 57% of mortgage holders have never checked whether their offset account is correctly linked to their home loan. This simple mistake could be costing homeowners tens of thousands of dollars in unnecessary interest payments over the life of their mortgage!

What’s an Offset Account — and Why It Matters

An offset account is one of the smartest tools available to help you save on your mortgage. When linked correctly, every dollar sitting in your offset account reduces the balance your lender uses to calculate interest.

For example, if you have a $600,000 mortgage and $30,000 in your offset account, you’ll only be charged interest on $570,000 — saving you thousands over time.

But here’s the catch: if your offset account isn’t linked properly, those savings disappear. You’ll still be paying interest on the full loan amount, effectively throwing money away every month.

Real-Life Shock: $340,000 in Savings Lost

Money.com.au’s mortgage expert, Debbie Hays, shared a jaw-dropping example:

“One homeowner deposited $340,000 from an inheritance into what they thought was their offset account. A year later, they discovered it wasn’t linked to their home loan at all — meaning they’d saved nothing on interest.”

Mistakes like this can happen due to banking errors, account changes during refinancing, or simple oversight. But the impact can be massive.

The Cost of an Unlinked Offset

Let’s put it into perspective:
A borrower with a $600,000 loan at 5.5% interest and $30,000 in their offset could end up paying an extra $111,620 in interest over 30 years — and remain in debt for nearly three extra years — if their account isn’t linked.

Who’s Most at Risk?

The research found that 1 in 10 homeowners assume their lender will automatically link their offset account, which isn’t always the case.
Only 25% of borrowers have confirmed their offset is correctly linked, while 9% discovered errors they had to fix.

Generationally, Baby Boomers were the least likely to check — with 69% admitting they’ve never confirmed their account link. That’s compared to:

• 58% of Gen Z

• 50% of Gen X

• 47% of Millennials

For older Australians who’ve been paying off mortgages for decades, that’s potentially years of lost savings.

How to Check If Your Offset Is Linked

If you’ve got an offset account, it’s worth taking five minutes to make sure everything’s working as it should.
Here’s how to check:
✅ Log in to your online banking and look for an offset adjustment or similar line on your loan statement.
✅ If you’re unsure, call your lender directly and ask for confirmation.
✅ If it’s not linked, request that it be backdated to your loan settlement date — especially if it was the lender’s error.

In some cases, borrowers have even been refunded for extra interest charged when the lender was at fault.

A Timely Reminder for Homeowners

The Australian Financial Complaints Authority (AFCA) is currently investigating possible offset-account mislinking across several major lenders — proving this issue is far more widespread than most realise.

With interest rates fluctuating and household budgets under pressure, making sure your mortgage and offset account are correctly set up could be one of the simplest ways to save serious money — without changing your loan or refinancing.

At the end of the day, every dollar you save in interest is a dollar you can keep for your future, your family, or your next property move.

Tip from First National Real Estate Bundaberg:
If you’re not sure how your mortgage is structured — or if your offset account is working for you — reach out to your lender or mortgage broker for a quick check. It could be one of the easiest financial wins you’ll ever make!

Key Changes in the Home Guarantee Scheme

• Unlimited places & no income limits: Any eligible first-home buyer (with a 5% deposit) can now apply – there are no longer caps on how many guarantees are granted or on applicants’ incomes.
• Lower deposit (5%) & no LMI: First-timers need only 5% down payment (2% for single parents) and avoid paying costly mortgage insurance. This broadens access for more buyers.
• Higher price caps: Property price limits have risen to reflect recent value growth. In Queensland outside the capital/regional centres (including Bundaberg), the cap is now $700,000, up from $550K. This captures virtually all typical family homes in Bundaberg.
• Effective date: The expanded scheme took effect on 1 October 2025. From that date forward, first-home buyers can benefit from these new rules immediately.

National Market Frenzy

Bundaberg Market Snapshot

• Affordability and growth: Bundaberg remains among Queensland’s most affordable regional markets, which is helping sustain demand. Our coastal lifestyle and improving amenities are drawing local families and migrants from pricier cities. The result: strong growth. As noted, the median house is now about $585K and still rising. Even mid-2025 projections expect another ~5–7% lift by year-end.
• Supply constraints: There simply aren’t many homes to buy. Listings have fallen about 20% over the last three years. Vacancy rates are extremely low (around 0.4%). Developers plan new estates (1,500+ lots proposed), but until that stock comes online, buyers must battle over existing homes.
• Competitive price band: The hottest properties are single-family houses priced roughly $400K–$700K – exactly Bundaberg’s sweet spot. This range covers most quality family homes, and now aligns with the scheme cap. In fact, industry reports highlight the $650K–$800K zone in QLD as where bids are most intense. Bundaberg buyers should note that many homes in their market fall into this segment; competition from other first-home buyers and investors is fierce.
• Investor interest: With yields around $620/week on houses, Bundaberg properties remain attractive to investors. In a low-rate environment, expect more capital chasing those rents. This influx of cash can push sale prices up, especially on turnkey homes that appeal both to investors and owner-occupiers.

Impact on Bundaberg Buyers

• More buyers enabled: On the plus side, more local families can now qualify. First-home buyers who had saved a 5% deposit but were previously limited by the $550K cap can now aim higher (up to $700K). A buyer who can only muster a 5% down payment might have been shut out of larger homes, but can now safely bid on $600K–$650K houses. This means some Bundaberg buyers could trade up to bigger or better homes than they otherwise could have afforded.
• Price pressure: However, injecting extra buyers into a tight market will push prices upward. Bundaberg’s prices are already on the rise, so adding motivated first-home buyers (and investor shadow bids) will accelerate that trend. In other words, the scheme raises budgets and demand, but not supply. If you’re a buyer in Bundaberg, this likely means you’ll face more competition and higher final sale prices on the homes you target.
• Focus on houses: Since Bundaberg’s market is dominated by standalone houses (rather than apartments), these trends will be most felt in the detached house segment. Houses in the $400K–$700K range will see the most bidding pressure. Well-located suburbs like Branyan, Avoca, or coastal villages (Burnett Heads, Bargara, Coral Cove & Innes Park) could see sharper increases, as predicted by local market analysts.
• Long-term gains: On the flip side, sellers will benefit from higher resale values. If you already own in Bundaberg, the scheme is likely to raise your property’s market value further. But be aware that rising prices also mean that the “5% deposit” advantage shrinks over time (5% of $700K is $35K, versus $27.5K of a $550K cap).

Tips for Bundaberg Home Seekers

• Do your homework: Don’t let panic drive you. National experts repeatedly advise buyers to “calm down, stick to budgets, and seek expert advice”. Set a firm upper limit on what you can afford (including higher interest costs). Remember that paying above market value eats into your mortgage advantage.
• Use professionals: Consider working with a mortgage broker who knows the Bundaberg market. They can help craft a smart offer strategy, avoid bidding wars that get out of hand, and ensure the property truly meets your needs (inspections, title checks, etc.). The goal is to use the scheme as a tool – not to simply outbid another buyer at any cost.
• Watch new listings: Keep an eye on incoming stock. The market is likely to have short spurts when new homes appear. Being ready to inspect and bid quickly (with financing pre-approved) can make a big difference.
• Think long-term: Focus on properties with solid growth prospects. High demand areas (good schools, amenities, rising infrastructure) are more likely to hold value if interest rates change. Given Bundaberg’s development plans and lifestyle appeal, most areas should stay strong, but always check future supply (new subdivisions) in any suburb you choose.

We have put together a great resource for the essential tips and key facts for First Home Buyers & Single Parents regarding the Home Guarantee Scheme, you can grab them HERE

The State of Spring Selling in 2025

Spring has always been the busiest season for Australian property. Gardens look their best, buyers come out in force, and competition for homes rises. But this year, Bundaberg and broader Regional Queensland are experiencing an unusual squeeze—new listings are well below the 10-year average.

Across Regional Queensland, fresh listing volumes are down 15.8% compared to the past decade, the sharpest drop outside the capital cities. This trend means fewer homes are available for sale at the very time buyer demand is strengthening.

Why Listings Are Lower Than Usual

Several factors are contributing to the reduced number of properties hitting the market this spring:

• Interest rate expectations: Many sellers are waiting to see if the Reserve Bank of Australia (RBA) will deliver further rate cuts, hoping that buyers’ borrowing power will improve.

• Cautious decision-making: The RBA has been measured in its approach, making the timing of additional cuts uncertain.

• Changing buyer access: From October 1, new government changes—lifting price thresholds and removing income caps—will make it easier for first-home buyers to enter the market.

What This Means for Bundaberg Property Owners

For homeowners in Bundaberg, this unusual spring market presents unique opportunities:

• Less competition: With fewer homes listed, your property has a higher chance of standing out.

• Strong buyer demand: Interest rate cuts earlier this year have already improved borrowing capacity, encouraging more buyers to act.

• First-home buyer boost: A fresh wave of buyers is expected from October, potentially increasing demand for entry-level homes.

Timing Matters: Why Acting Early Pays Off

Waiting for more rate cuts could backfire. If many homeowners list later in the season, the market could suddenly flood with new stock—reducing your property’s visibility and negotiation power.

Listing earlier this spring allows you to:

• Capture motivated buyers before more homes hit the market.

• Leverage competition to secure stronger offers.

• Take advantage of Bundaberg’s historically low listing environment.

Key Takeaways for Bundaberg Sellers

• Regional Queensland has seen the biggest 10-year decline in new listings outside the capitals.

• Bundaberg homeowners can benefit from reduced competition and strong demand this spring.

• Early listers are more likely to attract serious buyers and achieve premium outcomes.

Thinking of Selling in Bundaberg This Spring?

With listing numbers at record lows, the timing couldn’t be better to put your home on the market. Our team at First National Real Estate Bundaberg can help you develop a tailored strategy to maximise your sale.

Call us today on (07) 4152 1122

Related Links

Property Appraisal Services

Latest Bundaberg Market Insights

Tips for Selling Your Home in Spring

Guide for First-Time Sellers

Are you a first-home buyer in Bundaberg? If you’ve been waiting for the “right time” to enter the market, that time is right now. With interest rates easing and market conditions shifting in favour of buyers, Bundaberg locals have a rare opportunity to get ahead before competition intensifies.

Why First-Home Buyers in Bundaberg Shouldn’t Wait

Bundaberg’s property market is heating up, and while affordability is still strong compared to major cities, rising demand could quickly drive prices higher. Acting now gives first-home buyers a unique edge.

Here’s why timing matters:

• Borrowing power is improving – Lower interest rates mean banks are offering more accessible lending conditions.

• Bundaberg is still affordable – Compared to Brisbane or the southern capitals, Bundaberg homes represent excellent value for money.

• A limited window of opportunity – As confidence grows, more buyers will return to the market, increasing competition and pushing up prices.

The Bundaberg Property Market in 2025

The Wide Bay–Burnett region is attracting new residents thanks to its relaxed lifestyle, coastal location, and affordability. But with population growth outpacing new housing construction, supply is tightening.

This housing shortage means that even modest price movements elsewhere in Queensland can have a big impact locally. For first-home buyers, waiting even 6–12 months could mean stretching budgets further or being priced out of certain suburbs.

Rising Debt Levels for First-Home Buyers

Across Australia, first-home buyers are taking on more debt than ever before to secure a home. In Queensland, debt commitments for first-home buyers have jumped sharply in the past year.

By buying now in Bundaberg, you lock in today’s prices before further growth makes entry into the market more challenging.

Units and Townhouses: A Popular Entry Point

With freestanding homes becoming less accessible, many first-home buyers are turning to units and townhouses as a smart first step.

In Bundaberg, unit stock is limited compared to larger cities, meaning demand is expected to rise quickly. For savvy buyers, this could be the most affordable way to enter the market while still enjoying a convenient location close to the CBD, schools, and amenities.

Make Your Move in Bundaberg

The Bundaberg property market is shifting — and the best opportunities won’t be around forever. First-home buyers who act now can take advantage of:

• Improved borrowing conditions

• Strong affordability compared to capital cities

• A chance to secure long-term value before demand surges

If you’re ready to explore houses for sale in Bundaberg or want tailored advice on getting into the market, our team at First National Real Estate Bundaberg is here to help.

Call us today on (07) 4152 1122

• Seasonal appeal: Spring brings blooming gardens and perfect weather in Bundaberg—ideal for attracting buyers and making strong first impressions.
• Rising home values: Bundaberg’s property market remains robust. Median home prices sit at around $625,000
• Affordable, growth region: Bundaberg ranked among Australia’s more affordable cities.

• Kepnock: rose from ~$514K to ~$526K (↑2.3%)
• Innes Park: climbed from ~$832K to ~$850K (↑2.0%)
• Elliott Heads: rose from ~$740K to ~$755K (↑1.9%)
• Ashfield, Norville, Walkervale also saw steady growth of around 1.6–1.8%

1. Schedule a Bundaberg-specific market appraisal with us —we tailor valuations to your suburb and market dynamics.
2. We help you Set a focused pricing strategy
3. We help you Stage strategically—highlight outdoor living, alfresco spaces, and garden blooms that resonate with a spring-ready Bundaberg buyer.
4. We Showcase with professional media—we can supply high-spec photography, drone shots, floor plans, and virtual tours help your listing stand out.
5. We Advertise smartly
   • realestate.com.au, domain.com.au, and Google Ads deliver strong local traffic.
   • We amplify with targeted Facebook and Instagram campaigns focused on Bundaberg suburbs.
6. We Host well-timed open homes—we combine them with your marketing push to maximise interest.
7. We Negotiate effectively—we use local data and sale speed stats to respond confidently to offers.

• Bundaberg median prices rose ~13.5% YoY to mid-2024.
• Multiple suburbs showed 1.6–2.3% quarterly growth in early 2025 (e.g., Kepnock, Walkervale, Elliott Heads).
• Bundaberg remains affordable yet strong - ranked #18 among affordable Australian cities in 2024.
• Bundaberg South, North, and Coral Cove stand out as high-yield areas for investors.

Spring is the season to sell in Bundaberg—buyers are active, gardens are in full bloom, and demand across our suburbs is strong. The key to maximising your result is timing, strategy, and choosing the right local experts.

At First National Real Estate Bundaberg, we know what works in our market. From professional photography and digital marketing to negotiation expertise, we’ll position your home to achieve the best outcome.

? Thinking of selling this spring? Call us today on (07) 4152 1122 or visit www.firstnationalbundaberg.com.au

We’re excited to announce a brand-new chapter for our agency – First National Bundaberg is now also First National Commercial Bundaberg! ?

This expansion means that alongside our trusted residential and rural services, we now offer a full suite of commercial real estate solutions for the Bundaberg region.

What This Means for Bundaberg

For years, we’ve been proudly serving the local community with residential sales, rentals, and rural property management. Now, with the addition of First National Commercial Bundaberg, we’re extending our expertise into the commercial sector, helping local businesses, investors, and developers make the most of Bundaberg’s growing opportunities.

Our new services include:

• ✅Commercial Sales – from retail shops to industrial sheds, we help you buy or sell commercial property with confidence.

• ✅Commercial Leasing – matching landlords with the right tenants to maximise returns.

• ✅Asset Management – professional management of commercial properties to protect and grow your investment.

Still the Same First National Bundaberg You Know and Trust

While our services are expanding, one thing remains the same – we’re still your local First National Bundaberg team. ?

You can continue to count on us for:

• ✅Residential Sales & Rentals

• ✅Rural Property Sales & Management

By combining our residential, rural, and now commercial expertise, we’re better placed than ever to support all your property needs – whether you’re a family buying your first home, a farmer selling your acreage, or a business looking to expand.

Why Choose First National Bundaberg + First National Commercial Bundaberg?

✅ Local experts with deep knowledge of the Bundaberg market
✅ A trusted national brand with proven systems and support
✅ Comprehensive services across residential, rural, and commercial property
✅ A commitment to helping our clients achieve their goals – no matter the property type

Let’s Talk Property – Residential, Rural, or Commercial

Whether you’re buying, selling, leasing, or investing, our team is ready to help you succeed.

Call us today on (07) 4152 1122
Visit us at www.firstnationalbundaberg.com.au

First National Bundaberg & First National Commercial Bundaberg – your complete real estate solution.

Queensland property sellers, take note: from 1st August 2025, major legal changes are coming into effect under the Property Law Act 2023 (Qld). If you're thinking about selling your home, unit, or commercial property, it's crucial that you're aware of the new mandatory Seller Disclosure Scheme.

This new legislation aims to bring greater transparency to real estate transactions—and failure to comply could result in buyers walking away from the deal.

Let’s break down what this means for you.

What Is the Seller Disclosure Scheme?

The new scheme, outlined in Part 7, Division 4 of the Property Law Act 2023, introduces a non-negotiable obligation for sellers to provide a comprehensive Seller Disclosure Statement before a buyer signs a contract.

This applies to both residential and commercial property sales of registered lots in Queensland. Off-the-plan sales (unregistered lots) are excluded.

What Must Sellers Provide?

Before the contract is signed, sellers must provide:

• A completed and signed Form 2 Disclosure Statement

• Prescribed searches and certificates (outlined in the regulations)

• For Body Corporate properties, additional Forms 33 or 34 and Body Corporate certificates

The documents must reflect the true state of affairs as at the date of issue—not when they are signed.

What Happens If You Don’t Comply?

Buyers are given a statutory right to terminate the contract before settlement if:

• They did not receive a disclosure statement or the correct certificates prior to signing; or

• The disclosure was materially inaccurate or incomplete, and the buyer can prove:

  • They were unaware of the true situation; and

  • They would not have signed the contract if they had known the facts.

Important: The only remedy available to the buyer is termination—there is no right to compensation.

What Documents Are Required?

Here’s a snapshot of the key documents you’ll need to attach:

Standard Requirements:

• Title search

• Survey plan and plan image

• Any applicable property risk certificates (e.g., contaminated land, heritage notices)

• Local government rate and water summaries

• Department of Transport and Main Roads (DTMR) notices

For Body Corporate Properties:

• Form 33 or Form 34 disclosure statements

• Body Corporate by-laws

• Insurance certificates

• Financials and current levies

• Exclusive use by-laws or allocations

• Body Corporate asset register

• List of lot-specific improvements

Why It Matters for Sellers

This new law is designed to protect buyers—but it’s also a big deal for sellers. Providing these disclosures early ensures transparency, builds buyer trust, and reduces the risk of contract termination down the track.

Failing to follow the rules could result in a lost sale—even if you're already well into the process.

Need Help Navigating the New Laws?

At First National Real Estate Bundaberg, we’re already across these legislative changes and ready to help our sellers comply with ease. If you're planning to sell after August 1st, 2025—or even thinking ahead—reach out today for expert guidance.

Call us on (07) 4152 1122
Visit us at www.firstnationalbundaberg.com.au

Australia’s property market is gearing up for another boom, with forecasts predicting record-breaking prices in the 2025–26 financial year. While this might sound like music to the ears of homeowners and sellers, it’s a growing concern for first-home buyers across the country—including right here in Bundaberg.

Two major reports—Domain’s Price Forecast Report and Cotality’s Pain and Gain Report—have laid out some eye-opening predictions for the year ahead. With interest rate cuts on the horizon and demand staying strong, the stage is set for property prices to climb even higher. So what does this mean for Bundaberg's real estate market?

Let’s break it down:

National Outlook: Record Highs on the Horizon

Domain’s report projects sharp growth in Australia’s capital cities, especially in Sydney and Melbourne. Sydney’s median house price is tipped to rise by 7% to an eye-watering $1.83 million by mid-2026. Melbourne is set to follow with a 6% climb, hitting $1.1 million.

Unit prices are also on the up, expected to reach new heights across most capital cities due to affordability constraints and strong demand from first-home buyers taking advantage of government incentives.

The driver behind these increases? Falling interest rates. The Reserve Bank has already slashed the cash rate by 50 basis points this year, with the market expecting a further 80 basis points in cuts by mid-2026. More borrowing power means buyers can afford more—pushing prices higher.

Sellers Are Winning: Profits Rolling In

According to Cotality’s Pain and Gain Report, 94.9% of all property resales in the March quarter were profitable. The median resale gain? A substantial $305,000. That’s a strong return, even if it’s slightly down from the previous quarter.

Houses continue to outperform units, with 97.2% of house resales making a profit, compared to 90.1% for units. The median gain on houses was $355,000, far exceeding the $205,000 for units. Despite this, the median losses were almost identical—suggesting less risk across both markets.

What Does This Mean for Bundaberg?

Bundaberg’s market may not see million-dollar medians like Sydney, but the ripple effect is real—and growing. As affordability in the capitals tightens, more buyers are looking to regional centres like Bundy for better value, lifestyle, and growth potential. This trend is already in play and is expected to intensify.

Here’s how Bundaberg could be impacted:

• Increased Buyer Demand: As interest rates fall and southern markets become increasingly unaffordable, Bundaberg will attract more buyers—especially remote workers, retirees, and investors chasing yield and capital growth.

• Rising Prices: More competition means higher prices. Properties that were once affordable to first-home buyers may edge out of reach. Entry-level homes under $500K could become rare finds.

• Investor Activity: With rental yields already attractive in Bundaberg, lower interest rates will entice more investors, putting pressure on both the rental and buying markets.

• Sellers’ Market: If you're thinking of selling in the next 12–18 months, timing could be on your side. With buyer activity expected to rise and limited stock on the market, we may see shorter days on market and stronger sale prices.

• Units Might Catch Up: While houses currently outperform units nationwide, affordability constraints may push more buyers towards well-located units and townhouses in Bundaberg, increasing demand in this segment.

Local Perspective: Time to Act?

If you’re a Bundaberg homeowner, these national trends suggest the time to capitalise might be sooner rather than later. Rising demand, favourable lending conditions, and strong buyer sentiment are creating ideal conditions for a successful sale.

For first-home buyers, the message is clear—waiting could cost you more. With prices trending upwards, acting early, getting pre-approved, and working with a local agent who understands the market could make all the difference.

And for investors? Bundaberg continues to offer solid rental returns and capital growth potential, especially with infrastructure investment, lifestyle appeal, and migration from metro areas showing no signs of slowing.

Final Thoughts: A Market in Motion

Bundaberg’s property market is in transition—just like the rest of Australia—but we’re better positioned than most. The region offers genuine value and lifestyle appeal, making it an increasingly attractive alternative to inflated capital city prices.

But whether you're buying, selling, or investing, the next 12 months will be critical. Staying informed, acting decisively, and getting expert advice will be key to making the most of what’s shaping up to be a pivotal time in property.

Thinking of Selling or Investing in Bundaberg?
Now might be the best time to make your move. Get in touch with the team at First National Real Estate Bundaberg—we’re here to help you navigate the market with confidence.

After years of rapid rental growth across the nation, signs are emerging that Australia’s rental market—including right here in Bundaberg—is beginning to cool. While that may bring some welcome news to renters, it also signals an important transition period for local property investors who have benefited from rising yields in recent years.

From Red-Hot to Reset: Rents Hit a Plateau

According to the latest Rent Report from Domain and Pepper Money, the combined capital cities have now experienced four consecutive quarters of flat house rents—the first time this has happened since 2019. In simple terms, renters are stretched to their financial limits, and even the most competitive markets are starting to feel the squeeze.

"Cost of living pressures have reached a tipping point," says Domain’s Chief of Research and Economics, Dr Nicola Powell. "Renters are maxed out, and landlords are being forced to hold steady."

This trend is being reflected at the local level, with Bundaberg tenants also making sharper decisions around what they can afford, how much space they really need, and where they’re willing to live. Smaller homes, units, and granny flats are now commanding higher attention than ever before.

Bundaberg's Market: Holding Strong, With Shifting Demand

While Brisbane, Sydney and Melbourne have seen their slowest June quarter growth in years, regional Queensland continues to show resilience. Bundaberg in particular is benefiting from:

• Lower entry prices for investors

• Stable tenant demand thanks to migration from cities

• Ongoing rental shortages, especially in well-located, low-maintenance homes and duplexes

Units in Bundaberg are experiencing increased demand from renters who are prioritising affordability and convenience over size. This mirrors national data, where unit rents are rising faster than house rents in nearly every major city.

Vacancy Rates: The Pinch is Still On

Despite the slowdown in rental growth, competition for available rentals remains fierce. National vacancy rates have dropped below 2%, with some regional pockets—including parts of Bundaberg—functionally operating at near-zero availability for certain property types.

This tight market means investors are still in a strong position to attract long-term tenants, particularly if their properties are well-presented, pet-friendly, or located near schools, hospitals or employment hubs.

The Outlook: Time for Smart Investment Moves

Looking ahead, we may start to see more balance return to the market. According to Domain, increased investor activity—paired with government support for first-home buyers—could ease the pressure on supply over the coming year. However, the broader affordability crisis still looms large.

For Bundaberg property investors, this presents a window of opportunity:

• Review rental pricing strategies – With growth slowing, now is the time to focus on tenant retention and long-term consistency.

• Consider value-adding upgrades – Simple improvements (like air conditioning, solar, or fenced yards) can lift rental appeal without overcapitalising.

• Explore new asset types – Dual living homes, units, and affordable duplexes remain in high demand from renters and downsizers.

• Work with a local expert – Now more than ever, investors need property managers who understand Bundaberg’s shifting rental trends and can guide you in maximising yield.

Finance Matters: Flexibility is Key

As Pepper Money CEO Mario Rehayem points out, access to finance remains a crucial part of the puzzle. With more buyers navigating self-employment, casual incomes or non-traditional pathways into property investment, working with a savvy mortgage broker can make all the difference.

“Whether you're a first-time investor or expanding your portfolio, flexible financing options and local advice are key,” Rehayem said. “Partnering with professionals who understand your long-term goals can help you stay ahead.”

Final Thoughts: Is the Boom Over?

Not quite. What we’re seeing now is a market reset, not a reversal. For Bundaberg investors, this period is about adjusting expectations, reading the local signals, and making strategic moves to stay ahead of the curve.

The days of double-digit rent rises may be behind us—for now—but the fundamentals in Bundaberg remain solid: strong demand, low vacancy, and attractive yields compared to metro areas. In fact, this could be the best time to buy and hold, especially with more renters making the sea-change lifestyle move to regions like ours.

Want to explore what this market means for your portfolio?
Get in touch with our experienced team at First National Real Estate Bundaberg — we're here to help you invest smarter in the local market.