Interest rates in Australia are expected to decrease, but the real question is when. Based on trends in other developed countries, which have already started cutting rates to tackle inflation, cost-of-living pressures, and migration challenges, Australia is likely to follow suit. New Zealand has recently reduced its rates, signalling that Australia may be just months away from a similar shift. With early 2025 looking like a strong possibility for rate cuts, what does this mean for homebuyers, investors, and mortgage holders? Understanding these trends can help you prepare for the opportunities ahead.