RBA rate cut: Why the cost of doing nothing just got more expensive for property investors

• The RBA has cut interest rates for the third time in 2025, with another 0.25% reduction this week
• Property investment expert Chris Christofi says momentum is building and the next property boom could be closer than many think
• He urges Australians to rethink their fear of debt, distinguish good debt from bad, and act before the next cycle takes off

Special Report: The Reserve Bank of Australia has made its third interest rate cut of 2025, reducing the official cash rate by another 25 basis points.

For seasoned investors, this is more than a trend – it is the start of a new cycle and the window to capitalise on cheaper money is wide open.

Chris Christofi, founder and CEO of property investment group Reventon, says the message is clear.

“Debt just got cheaper for the third time this year,” Christofi said.

“For those sitting on the sidelines, the cost of doing nothing just went up – again.”

Christofi, who has advised more than 10,000 clients through 3,500 property transactions, says hesitation is the biggest enemy of wealth creation.

“Every rate cut this year has added to investor confidence and smart money is already moving,” he said.

“This is the kind of momentum that often sparks the next property boom. The question is whether you’re on board before the ship sails.”

Good debt versus bad debt

A cornerstone of Christofi’s philosophy is understanding debt.

“People aren’t scared of debt, they’re scared of repayments. That fear is holding them back,” he says.

He draws a clear line between bad debt, such as credit cards or car loans, and good debt – funds used to acquire income-generating, appreciating assets like property.

“You can use $100,000 as a deposit on an investment property and own 100% of the growth,” he said.

“Add rental income and tax benefits, and that’s good debt doing its job. With three rate cuts this year, servicing that debt has become even more affordable – and buyers are gaining confidence as they see consistent cuts.”

Why time matters more than timing

For Christofi, the RBA’s latest cut is a green light for anyone with long-term wealth goals. “You’ll always pay tax. You’ll always get older. What you won’t always have is time,” he says.

He warns that Australians relying solely on superannuation are in dangerous territory.

“Super is a non-leveraged product, so it grows too slowly for most to retire comfortably,” he explained.

“Most people won’t reach $2 million in super – the figure needed for a comfortable couple’s retirement. But with property and leverage, you can get there faster.”

Reventon focuses on affordable homes in high-demand areas. The company’s strategy is to identify growth corridors with rising infrastructure, population and job diversity, securing high-yield rental properties, and repeating the process as equity builds.

“It’s not about speculation. It’s about doing the math, understanding cash flow and acting with purpose,” Christofi says.

No such thing as too late

For those saying they have missed the boat or cannot afford to invest, Christofi offers this: “If I could show you how to invest in real estate without it costing more than you’re already spending, would you do it?”

He says many Australians already have the means – they just need to review extra mortgage payments, super top-ups or unused equity to free up capacity without increasing financial pressure.

The bottom line

The RBA has now cut rates three times in 2025. Momentum is building, confidence is growing, and while headlines debate what comes next, Christofi says the smartest investors are already acting.

“The perfect time to invest was yesterday. The next best time is today,” he said.

This article was developed in collaboration with Reventon, a Stockhead advertiser at the time of publishing.

This article does not constitute financial product advice. You should consider obtaining independent advice before making any financial decisions.