Rate cuts on the horizon: get ready before demand returns
Markets cheered when the Fed chair hinted at lower rates. For property businesses and borrowers, the time to prepare is before buyers rush back.
By the Xuru Technologies team · 24 August 2025
Key takeaways
- On 22 August 2025 Federal Reserve Chair Jerome Powell said shifting risks may warrant adjusting policy, widely read as signalling a September cut.
- Mortgage rates eased on the expectation.
- Lower rates can release pent-up demand from buyers and businesses waiting to borrow.
- Agents, builders and lenders who capture leads now will be first in line.
Many buyers and business owners have been waiting on the sidelines. When borrowing gets cheaper, they move quickly — usually to whoever stayed in touch.
What happened
CoStar reported Powell's remarks balancing persistent inflation against a softening jobs market, and HousingWire noted mortgage rates falling afterwards.
What it means
- Property: buyers may return; sellers may list. Agents need to be visible and responsive.
- Builders: incentives and financing messages can shift as rates move.
- Small businesses: cheaper credit can fund growth projects — including digital ones.
- Nothing is guaranteed. Plan for several rate paths.
Prepare now
| Business | Action |
|---|---|
| Agents | Grow your buyer alert list; publish local market updates |
| Builders | Update financing and incentive pages; capture enquiries |
| Brokers | Rate-watch sign-ups and calculators |
| Any business | Prepare growth projects to start when financing improves |
Frequently asked questions
Will mortgage rates fall a lot?
Mortgage rates depend on many factors beyond the Fed's rate. They may ease gradually rather than sharply.
Should we wait for rate cuts before investing in a website?
A website takes weeks to build. Starting before demand returns means you're ready when it does.
Does a US rate cut affect other countries?
It can influence global borrowing costs and currencies, though each central bank sets its own policy.
Be first in line when demand returns.
Property and finance websites with alerts, calculators and enquiry flows that capture demand early.
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