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11 articles
The Reserve Bank lifted the cash rate by 0.25 points to 4.60% on 29 September 2026, its fourth hike this year and the highest level since 2011. The big four banks pass it on in full from 9 October. Here is what it means for repayments, savers and the November meeting.
All four major banks have raised fixed home loan rates in the run-up to Tuesday's Reserve Bank decision, led by a 0.48 point jump on CommBank's two-year fixed rate. Here is what the moves signal and how to think about fixing now.
The RBA has held the cash rate steady, yet a string of lenders quietly cut home loan rates in late July 2026 to fight for refinancers. Here is what moved, why it is happening, and how to check whether your loan is still competitive.
Three rate rises in early 2026 pushed the cash rate back to 4.35%, its highest since 2023, wiping out last year's cuts. The RBA then held in June. Here is what the hold means for mortgage holders before the next decision in August.
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.