Category: Rate Updates

As widely predicted, the Reserve Bank of Australia (RBA) has increased the cash rate by 0.25% at today’s meeting. The current cash rate now sits at 3.85%.

This month’s decision reflects the RBA’s commitment to restoring price stability, with the latest data indicating:

• Headline (annual) inflation has risen to 3.8% in the 12 months to December 2025 and remains above the RBA’s 2%-3% target range.
• Underlying (trimmed mean) inflation sits at 3.3%, the RBA’s preferred underlying measure, helping highlight that broad-based inflation pressures remain.

The cash rate increase aims to ease ongoing price pressures and anchor inflation expectations, while allowing the RBA to carefully monitor how tighter financial conditions affect household spending.

Today’s decision highlights the value of staying up to date with economic shifts and what they may mean for your finances.

Whether you’re weighing up a home purchase, refinancing to improve your loan terms, or exploring an investment property, this could be the right moment to reassess your plans.

The Reserve Bank of Australia (RBA) has today reduced the official cash rate by 0.25 percentage points, a move widely anticipated by economists and market watchers. The current cash rate now sits at 3.60%.

This decision follows several key indicators pointing to a cooling economy and easing inflationary pressures for the June 2025 quarter:

• Inflation: The RBA’s preferred measures show trimmed mean inflation at 2.7% and headline CPI at 2.1%, both within the Bank’s 2-3% target band.
• Employment: Unemployment edged up to 4.3%, indicating a slightly softer labour market.

Together, these indicators suggest economic momentum is slowing, giving the RBA room to adjust policy in support of sustainable growth while keeping inflation within target.

Today’s decision highlights the importance of staying up to date and understanding how these changes may affect your current loan, future borrowing plans, or investment opportunities.

If you’d like to discuss what today’s decision means for your situation, don’t hesitate to get in touch.

The Reserve Bank of Australia (RBA) has announced a hold on the cash rate of 3.85% at today’s meeting. 

While some market watchers, including those at the big four banks, expected a cut, the RBA’s decision reflects a balance of key economic factors – both supportive and cautionary.

On the one hand, inflation has continued to ease, with trimmed mean inflation for the March 2025 quarter sitting at 2.7% and within the RBA’s 2–3% target range. However, this is being weighed against signs of resilience in the broader economy:

• Unemployment remains steady at 4.1%, indicating that labour demand is still strong.
• Wages growth has ticked up, reaching 3.4% suggesting ongoing pressure on inflation from the demand side.
• An already strong housing market could be influenced by further rate cuts, driving house prices even higher.

The RBA has made it clear that it will continue to monitor inflation, employment and global conditions closely before making any further moves.

Today’s decision underscores the importance of staying informed about economic developments and their potential impact on your finances.

Whether you’re considering buying a new home, refinancing your mortgage to secure better terms or exploring property investment opportunities, now could be a good time to review your financial strategy.

In welcome news for mortgage holders across the country, the Reserve Bank of Australia (RBA) has today decided to decrease the cash rate by 0.25% to 3.85%.

This move reflects the RBA’s growing confidence that inflation is coming under control. Most notably, trimmed mean inflation for the March 2025 quarter came in at 2.9%, officially within the RBA’s target range of 2-3%.

While the RBA is still cautious, this shift suggests a move toward easing monetary policy however there are still factors that the RBA will be watching closely, including:

• Global risks, such as Trump’s tariff policies, which continue to cast a shadow on global growth, though recent easing of those tensions provides some relief.
• Locally, the RBA will be watching labour market strength, with unemployment steady at 4.1% and wage growth edging up to 3.4%, both factors could still contribute to inflation pressure in the medium term.

Whether you’re considering refinancing your mortgage to secure better terms or exploring property investment opportunities, now could be an advantageous time to review your financial strategy.

If you’d like to have a chat about what today’s news means for you and your finances, please don’t hesitate to get in touch.

The Reserve Bank of Australia (RBA) has announced a hold on the cash rate of 4.10% at today’s meeting.

The Reserve Bank’s decision to hold the cash rate reflects a cautious and considered approach amid a complex domestic and global economic environment. Ongoing global trade uncertainties and the approaching federal election in early May 2025 are key factors the RBA is monitoring closely.

In addition to global and political factors, the RBA will be closely monitoring domestic conditions ahead of its May 2025 meeting, with fresh data on unemployment, CPI, and inflation due at the end of April 2025. While recent data shows a slight easing in headline inflation, the RBA’s preferred core inflation measure remains above its desired target, with inflation yet to return to the midpoint of the 2–3% range. Any future further decline in the core inflation figures toward the 2.5% midpoint will be key in guiding the RBA’s next policy move.

Today’s decision underscores the importance of staying informed about economic developments and their potential impact on your finances.

Whether you’re considering buying a new home, refinancing your mortgage to secure better terms or exploring property investment opportunities, now could be a good time to review your financial strategy.