Sahil - Mortgage Planner

RBA Update: Cash Rate Rises to 3.85%

The Reserve Bank of Australia has delivered its first Monetary Policy Decision of 2026, announcing an increase to the cash rate. With inflation remaining above the 2–3% target and unemployment sitting at 4.1%, this move is aimed at cooling economic activity.

What does this mean for you? 🏠

📉 If you’re on a Variable Rate: You may see an increase in your interest rate and monthly repayments. It’s a great time to review your loan structure or repayment strategy to ensure you're still on the most competitive path.

🔒 If you’re on a Fixed Rate: Your repayments won't change for now, but the "cliff" is always worth watching. If your fixed term is ending soon, let’s chat now so we can secure your next move well in advance.

💰 If you’re looking to Buy: Higher rates can impact your borrowing power. We can help you navigate the current landscape with a tailored savings plan and identify any grants or incentives that could give you an edge.

The market is moving, but you don't have to navigate it alone. Whether you're feeling the pinch or just want a "health check" on your home loan, I'm here to help.

👇 Have questions about your specific situation? Send me a DM or click the link in my bio to book a quick chat!