The Hills & Hawkesbury Property Market: Insights for Homebuyers and Investors in 2025

Hills and Hawkesbury Property Market

The Hills and Hawkesbury regions are among the most sought-after areas for homebuyers and investors in Sydney, known for our family-friendly neighborhoods, strong community spirit, and growing infrastructure. As the property market continues to evolve in 2024 and we move forward into 2025, local mortgage broker Nathan Linton shares his expert insights into the opportunities and challenges for buyers and investors looking to make their move in these growth regions.

A Market Balancing Opportunity and Competition
“Right now, the Hills and Hawkesbury property markets are seeing a fascinating dynamic,” says Nathan Linton, “While the cash rate has held at 4.35%, prices in these areas remain resilient due to high demand and limited supply despite a much higher borrowing cost which in turn has impacted borrowing power.”

For homebuyers, this means a careful balance between affordability and competition. Nathan emphasises the importance of preparation:

“Having your finances in order before entering the market is crucial. A fully assessed pre- approval by an experienced broker gives you an edge, especially when you’re up against other buyers in a competitive market and you want to take a property you love, off the market quickly”

Investors Eyeing the Growth Potential
For investors, the Hills and Hawkesbury regions offer plenty of appeal. Infrastructure projects, such as the Norwest Metro expansion and upgrades to local amenities, have made the area a hotspot for long-term capital growth.

“There’s a lot of buzz around investment opportunities here,” Nathan explains. “Rental demand is strong, particularly for family homes and townhouses. Investors should be looking for properties with features that families value, like proximity to good schools and parks.”

Nathan also highlights the increasing trend of investors leveraging equity in their existing properties to fund new purchases. “Refinancing to access equity can be a game-changer for investors. It’s a strategy I often recommend to my clients, as it enables them to grow their portfolio without compromising their owner occupier offset balance.”

Overcoming Affordability Challenges
One of the hurdles for buyers in today’s market is navigating higher borrowing costs. “Rising interest rates have made affordability a concern for many,” Nathan acknowledges. “But there are strategies to manage this. For example, we’re supporting many of our customers by helping them negotiate better rates with their bank or taking advantage of new lender cashbacks and lower interest rates- In many cases we’ve seen clients cut their monthly mortgage payments by a few hundred dollars by executing this simple strategy.”

Nathan urges buyers to take advantage of professional advice to tailor these strategies to their personal circumstances.

“There’s no one-size-fits-all solution. A good broker will listen to your goals and recommend a plan that aligns with your financial situation.”

Why Local Expertise Matters
When asked why buyers and investors should consider working with a local broker, Nathan’s passion for his community is evident: “The Hills and Hawkesbury regions are more than just markets to me—they’re home. I understand the nuances of these areas, from the best suburbs for first-home buyers to where investors will see the strongest returns. That local knowledge can make all the difference in navigating what can be a complex process.”

Your Next Steps
As the property market in the Hills and Hawkesbury continues to evolve, both homebuyers and investors can benefit from strategic planning and professional guidance. Whether you’re looking to secure your first home, upgrade to a larger property, or expand your investment portfolio, partnering with the mortgage brokers at Linton Finance can help you achieve your goals with confidence.

To learn more about how Nathan can assist you, visit www.lintonfinance.com.au or schedule a
consultation directly through their website here.