The Reserve Bank of Australia (RBA) has just announced a 0.25% rate cut, lowering the official cash rate to 3.85%. This is welcome news for current homeowners and first-time buyers. But what does it actually mean for your mortgage? And how can you take advantage of this opportunity before property prices increase?
The RBA’s decision reflects improving inflation trends and a cautious economic outlook. With trimmed mean inflation at 2.9% below 3% for the first time since 2021and headline inflation at 2.4%, this rate cut signals confidence in economic stability, but also caution due to international and domestic uncertainties.
Lower interest rates mean lower monthly repayments.
Refinancing now could reduce your loan costs or help you pay off your mortgage faster.
Lower rates improve affordability and increase borrowing power.
Locking in a competitive rate now could save you thousands as home values begin to climb again.
As borrowing becomes cheaper, buyer demand tends to increase. Property prices especially in Sydney, Brisbane, and Melbourne are expected to rise as a result. According to previous trends following RBA cuts, we typically see a surge in market activity.
Act now to lock in both lower prices and lower rates.
Take advantage of your current equity position and refinance before rising prices affect loan-to-value ratios.
When rates drop, more buyers enter the market and that drives up competition. Acting now means you can lock in a lower rate and secure a property before demand pushes prices higher.
Refinancing in a low-rate environment can be one of the smartest financial decisions you make this year.
Save hundreds monthly.
Pay off your home sooner with the same repayment amount.
Bundle high-interest debt into a lower-rate mortgage.
With the cash rate now at 3.85%, this could be your best opportunity in 2025 to secure a better rate or restructure your finances for long-term gain.
Don’t wait. Property prices are forecast to rise and future rate cuts aren’t guaranteed.
We make the process simple and tailored to your goals:
We assess your current setup and potential savings.
From eligibility to paperwork, we walk with you every step.
We compare 340+ lenders to ensure you’re getting the best deal for your situation.
Every fund is different, but we can help you estimate borrowing capacity based on your income strategy.
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