Stop Waiting for leadership changes—It Won’t Change Your Build, But Your Delay Could Cost You Big!

The 2025 election is coming, and if you’re like many Adelaide homeowners, you might be asking yourself:
"Should I wait to build? Will the election change the housing market? What about interest rates?"

It’s understandable. The media often frames elections as a turning point for the economy, leaving many people hesitant to make big financial decisions, including building a new home. However, history shows that elections generally have little impact on the housing market in the short term. Meanwhile, three more expected interest rate cuts in 2025 could create a prime opportunity for homeowners to move forward with their build before demand rises again.

Elections & Building: What history tells us

Unlike industries that rely heavily on government funding, the housing and construction industry is primarily driven by market demand, interest rates, and supply chain costs. While some government policies, such as grants or tax incentives, can affect buyer confidence, they typically take months or even years to come into effect.

In the 2019 federal election, there was concern that proposed tax reforms could disrupt the housing market, yet property prices and new home builds continued their upward trend within months (CoreLogic, 2019). Similarly, the 2022 election had no immediate impact on construction activity despite housing affordability debates being central to campaign discussions (ABS, 2022).

The key takeaway? Elections create short-term uncertainty, but they rarely cause significant disruptions in the homebuilding industry. If you're financially prepared, waiting for political stability could mean missing out on better financial conditions.

Interest Rates: The real opportunity in 2025

One of the biggest advantages of building this year is the projected interest rate cuts. The Reserve Bank of Australia (RBA) has signaled up to three rate deductions in 2025, easing the financial burden on borrowers. (ABC News, 2024).

What does this mean for you?

✅ Lower borrowing costs – Your mortgage repayments could decrease, making your home more affordable.
✅ Increased borrowing power – Lower rates may allow you to secure a larger loan, giving you more flexibility with your home design.
✅ Better home loan deals – Banks and lenders will likely compete for borrowers, meaning you could access better loan terms if you act before demand rises.

While some buyers may wait to see how low rates go, those who act early can take advantage of rate cuts while locking in a fixed-price contract before construction costs increase.

What happens if you wait?

It’s easy to assume that waiting a few months or even a year could lead to better opportunities. However, delaying your decision can have the opposite effect. Here’s why:

🔺 Construction costs are rising – The cost of building materials has steadily increased due to supply chain challenges and inflation. Between 2021 and 2024, material costs rose by over 20% (Housing Industry Association, 2024). There’s no guarantee that prices will stabilise, meaning a delay could cost you thousands.

🔺 Builder availability is shrinking – Many quality builders, including Stannard Family Homes, are booking projects months in advance. Waiting until after the election could put you behind other homeowners who are ready to build now.

🔺 Land prices remain steady or increase – If you already own land, holding off on building won’t make construction any cheaper. Land values tend to hold or increase over time, especially in high-demand areas of Adelaide (Domain, 2024).

Lock in your build before demand surges

When interest rates drop, more buyers enter the market.

That means:

✔️ Increased competition for land and builders – The best builders will be fully booked, and land prices may rise as demand surges.

✔️ Potential delays in approvals – Councils and developers will be processing more applications, which could push your timeline further into 2026.

✔️ Higher home loan demand – While rates may drop, banks could tighten lending requirements as demand for loans increases.

By starting your build process before rates decrease, you position yourself ahead of the rush, securing today’s pricing and availability.

The best time to build is when you're ready

Instead of waiting for an unpredictable “perfect” moment, focus on what you can control:
✅ Your financial readiness
✅ Today’s fixed-price building contracts
✅ Securing a builder who can bring your vision to life

At Stannard Family Homes, we work with clients to lock in pricing and timelines, ensuring there are no hidden surprises along the way. With interest rate cuts on the horizon and construction slots filling up fast, now is the time to take action.

Let's get started

If you're thinking about building in late 2025 or early 2026, don’t wait until after the election to lock in your build. Let’s have a conversation about your land, budget, and home design now, so you’re ahead of the curve when rates drop.

📞 Call us today to start planning your dream home, without the election stress.

Why Choose Stannard Family Homes?

At Stannard Family Homes, we’re more than just a metropolitan builder—we’re South Australian through and through. Whether you’re envisioning a home in Adelaide’s metropolitan suburbs or settling in scenic areas like the Port Noarlunga, Mannum to Morgan, or Mount Barker, Strathalbyn or Stirling, we bring local expertise, personalised service, and a seamless process to every build.

From streamlined communication to tailored selections and ongoing support, we make building your dream home a positive and memorable experience.

Let’s create something extraordinary together.

Want to be fully prepared? Download our free guide: - The 7 Things You Must Know Before Designing A New Home.  It’s packed with tips to help you avoid unexpected hurdles and make the process a breeze.

Click below to get your copy or contact us to book your consultation. The future you’ve been dreaming of is closer than you think. Let’s make it a reality—together.

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