Education4 min read
Buying a Home Over Christmas: Pros, Cons, and Tips
Is the holiday season a good time to buy property? The surprising advantages and what to watch out for.
Raj Bhangu
Principal Mortgage Broker
5 December 2025
Key Takeaways
- 1Less competition during holidays means fewer competing offers on properties
- 2Sellers listing in December are often motivated to settle before new year
- 3Get pre-approved before holidays and line up inspectors/conveyancers in advance
- 4Don't skip due diligence despite holiday time pressure
While most people are focused on Christmas shopping, savvy buyers know the holiday period can be an excellent time to purchase property.
Advantages of Buying Over Christmas
- Less competition: Most buyers take a break, meaning fewer competing offers
- Motivated sellers: Properties listed in December often have motivated sellers who want to settle before the new year
- Better negotiating position: With fewer buyers, you have more leverage
- Time to inspect: You can take your time at open homes without crowds
Potential Challenges
- Limited stock: Fewer properties on the market overall
- Professional availability: Conveyancers, building inspectors may be on holiday
- Bank processing: Settlement may be delayed due to reduced staffing
- Rushed decisions: Don't let the holiday pressure lead to hasty choices
Tips for Holiday Buying
- Get pre-approved before the holidays so you're ready to move quickly
- Line up your building inspector and conveyancer in advance
- Don't skip due diligence just because it's the holidays
- Be prepared for a longer settlement period
Want to be ready to buy over Christmas? Get pre-approved now before the holiday rush.
RB
Raj Bhangu
Principal Mortgage Broker
FBAA MemberLicensed Credit Representative
Expert mortgage broker helping Australians achieve their property dreams with personalized home loan solutions.
Published: 5 Dec 2025