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All Research & Data Explore rates, lender research, Victorian property data, schemes, models and methodology. Housing Affordability Explorer Compare home prices, incomes, deposits, mortgage costs, building costs and population from 1980–2025. Home-loan rates Current Australian mortgage-rate data. Lenders Directory Browse the lenders represented in the current home-loan rates data.

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Victorian Property Hub

Wyndham & outer west

Point Cook VIC 3030 Werribee VIC 3030 Hoppers Crossing VIC 3029 Tarneit VIC 3029 Truganina VIC 3029 Wyndham Vale VIC 3024

West Metro

Williamstown VIC 3016 Altona VIC 3018 Footscray VIC 3011 Sunshine VIC 3020 St Albans VIC 3021

Melton area

Harkness VIC 3337 Kurunjang VIC 3337 Melton West VIC 3337 Melton VIC 3337 Melton South VIC 3338

Melton growth corridor

Caroline Springs VIC 3023 Fraser Rise VIC 3336 Aintree VIC 3336 Rockbank VIC 3335 Cobblebank VIC 3338

Bacchus Marsh area

Bacchus Marsh VIC 3340 Darley VIC 3340 Maddingley VIC 3340

Geelong

Grovedale VIC 3216 Belmont VIC 3216 Highton VIC 3216 Newtown VIC 3220 Geelong West VIC 3218 Armstrong Creek VIC 3217

Ballarat

Alfredton VIC 3350 Ballarat Central VIC 3350 Lake Wendouree VIC 3350 Lucas VIC 3350

Government Schemes

Forecasts & Models Hub Model Performance

Original Reports Hub Home Loan Rate Report — August 2026

Methodology

Calculator Hub Commercial Property Calculator Rate Review Calculator First-home Buyer Scheme Calculator Mortgage Repayment Calculator Property Investment Calculator

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Low rates, daily 1 Oct 2026 · rates p.a.

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Daily example: $600,000 · 80% LVR · Owner-occupied · Variable · P&I · Purchase

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Property Market

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Home values and household income, indexed to 100 in 2000. By 2025, home values reach about 500 and income about 284. Home values before 2012 are reconstructed estimates.

Part 1: The Rising Cost of Getting into an Australian Home

Part 1 of our housing affordability history: how Australian home values, incomes, deposits and mortgage repayments changed, with charts and international comparisons.

Wooden house models on a price graph for the Sebastopol VIC 3356 Property Report 2025

Sebastopol VIC 3356 Property Report 2025 | Rate Challenge

A Rate Challenge Suburb Report Sebastopol VIC 3356 Property Report 2025 Updated 14 December 2025 · Southern Ballarat suburb in

Young couple high-fiving on moving day in Delacombe VIC 3356 (2025 property report)

Delacombe VIC 3356 Property Report 2025 | Rate Challenge

A Rate Challenge Suburb Report Delacombe VIC 3356 Property Report 2025 Updated 14 December 2025 · Ballarat region suburb in

Aerial view of Southport Gold Coast skyline and Broadwater, Queensland, 2025

Southport Gold Coast Suburb & School Guide | Rate Challenge AU

A Rate Challenge Suburb Report Southport QLD 4215 Property Report 2025 Updated 9 December 2025 · Coastal CBD and health

Modern family home at sunset – Melton VIC 3337 property report 2025

Melton VIC 3337 Property Report 2025 | Rate Challenge

A Rate Challenge Suburb Report Melton VIC 3337 Property Report 2025 Updated 18 Jan 2026 · Median house ~$500k ·

Perth city skyline and Swan River foreshore viewed from Belmont, Western Australia

Belmont, Perth WA Property Report 2025 | Rate Challenge

A Rate Challenge Suburb Report Belmont, Perth Property Report 2025 Updated 19 November 2025 · Perth airport corridor

Aerial view of Richmond, Melbourne and the sports precinct along the Yarra River, used for the 2025 Richmond suburb report by Rate Challenge mortgage brokers.

Richmond, Melbourne Property Report 2025 | Rate Challenge

A Rate Challenge Suburb Report Richmond Property Guide 2026 for Buyers Updated 21 March 2026 · Inner-east & Melbourne buyers

Aerial view of Albert Park Lake and surrounding South Melbourne apartments and parkland near the Melbourne CBD

South Melbourne Property Report 2025 | Rate Challenge

A Rate Challenge Suburb Report South Melbourne VIC 3205 Property Report 2025 Updated 19 January 2026 · Inner-south Melbourne buyers

Yarraville Village streetscape in Melbourne’s inner west, with heritage shopfronts, leafy trees and locals walking between cafes and period homes

Yarraville Property Report 2025 | Melbourne Suburb Guide – Rate Challenge

A Rate Challenge Suburb Report Yarraville VIC 3013 Property Report 2025 Updated 18 Jan 2026 · Median house ~$1.146m ·

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