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When the RBA cuts the cash rate, your mortgage repayments can fall. The catch is that lenders do not always pass the full cut on, and not always quickly. Here is how to check and what to do.
An RBA rate decision is the Reserve Bank board choosing whether to move, hold or cut the cash rate. Here is how those decisions are made and how they reach your repayments, savings and the dollar.
Everything an Australian buyer or owner needs to weigh up a home loan in 2026: borrowing power, the deposit and LMI, fixed versus variable, offset accounts, refinancing, and the costs nobody warns you about. Each section links to a full breakdown.
Fixed gives you repayment certainty but less flexibility. Variable moves with the market and comes with an offset and redraw. Here is how to weigh the two, when each one wins, and what split loans and break costs really mean for Australian borrowers.
Refinancing means swapping your current home loan for a new one, usually to get a lower rate or better features. Here is when it pays off, what it costs, and the step-by-step process, with current Australian figures.
An offset account is a transaction or savings account linked to your home loan, and the balance sitting in it is offset against your loan so you are charged less interest. Here is how an offset works, how it stacks up against redraw, when it justifies a slightly dearer loan, and the traps to watch.
How much can I borrow for a home loan in Australia? As a rough start, many households land around five to six times their gross income, but the real figure depends on your expenses, debts, deposit and the rate buffer lenders apply. Here is what drives borrowing power and how to get a number you can trust.