Kristy Barnard - Mortgage Advice Bureau

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Kristy Barnard - Mortgage Advice Bureau

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As a Mortgage & Finance Specialist, I tailor premium finance solutions that safeguard your immediate cash flow while positioning you for long-term growth.

03/11/2026

The Reserve Bank of Australia (RBA) has today increased the cash rate by 0.25 percentage points to 4.85%, the fifth increase this year.

Inflation has moved further from the RBA’s 2-3% target range, with headline inflation rising to 4.3% in the year to September 2026, up from 4.0% in the year to August 2026.

Underlying inflation also remains above target, with trimmed mean inflation at 3.6% in the same period.

Higher fuel prices are a key driver, with fuel costs rising 9.4% (month-on-month) in September 2026 alone on the back of higher global oil prices. Housing remains the largest contributor to inflation, with the cost of building new homes and electricity prices both continuing to rise. In the same period, unemployment rose to 4.7%, the highest level since 2021, a sign the jobs market may be cooling.

Before its next meeting in December 2026, the RBA will continue watching inflation, household spending and the labour market closely.

What could this mean for you?
If your home loan has a variable rate, an increase in the cash rate may flow through to your interest rate and repayments.

This makes it a good time to review your loan and see whether your current rate, lender and loan structure are still competitive.

Get in touch if you’d like to understand your options.

29/09/2026

The Reserve Bank of Australia (RBA) has today increased the cash rate by 0.25 percentage points to 4.60%.

While headline inflation eased to 3.5% in July 2026, underlying inflation remains stubborn with trimmed mean inflation held at 3.6%, above the RBA’s 2-3% target range.

Two main factors are keeping pressure on prices. Rising global energy costs are flowing through to the price of othe goods and services, and the RBA has signalled the jobs market is still adding to wage and business costs - despite unemployment edging up to 4.6%.

The RBA will continue watching inflation, household spending and the labour market closely.

What could this mean for you?
If your home loan has a variable rate, an increase in the cash rate may flow through to your interest rate and repayments. This makes it a good time to review your loan and see whether your current rate, lender and loan structure are still competitive.

Get in touch if you’d like to understand your options.

11/08/2026

The Reserve Bank of Australia (RBA) has today decided to keep the cash rate unchanged at 4.35%, giving borrowers some welcome stability while it assesses how recent rate increases are flowing through the economy.
Inflation has shown some encouraging signs of easing, with annual headline inflation falling to 3.8% in June 2026, down from 4.0% in May 2026. However, underlying inflation remains higher than the RBA would like, with trimmed mean inflation holding at 3.6%.
With the temporary fuel excise reduction ending in early August 2026, petrol prices are expected to lift as the full excise is reinstated. This could add some upward pressure to headline inflation in the coming months and will be another factor for the RBA to monitor.
What could this mean for you?
Even when rates stay unchanged, your home loan doesn’t have to. It could be a good time to review your current rate, repayments and loan structure to make sure they still suit you.
Whether you’re planning ahead or simply want to explore your options, I’m here to help.

16/06/2026

At its meeting today, the Reserve Bank of Australia (RBA) has held the cash rate at 4.35%.

Today’s decision reflects the RBA’s cautious approach as it continues to assess inflation, economic growth and the impact of previous interest rate changes.

While inflation remains above the RBA’s target range, higher interest rates continue to weigh on household spending and broader economic activity. There also remains uncertainty around property prices following last month’s proposed taxation changes.

In a changing economic environment, staying informed about interest rate movements and how they may affect your financial position is important.

Whether you’re planning ahead or simply want to explore your options, I’m here to help.

05/05/2026

At its meeting today, the Reserve Bank of Australia (RBA) has increased the cash rate by 0.25%, with the official cash rate now sitting at 4.35%.

Today’s decision reinforces the RBA’s ongoing priority to bring inflation back within its 2–3% target range. The decision was supported by data released last week which showed inflation has continued to increase, largely due to global conflict-driven supply issues and higher fuel costs.

The data highlighted:
- Headline inflation has risen to 4.6% for the 12 months to March 2026, up from 3.7% in February 2026.
- Underlying (trimmed mean) inflation sits at 3.3%.

Fuel price inflation can take time to unwind, meaning price pressures may remain elevated even if broader economic conditions begin to stabilise.

As the RBA navigates this more complex environment, staying informed about interest rate movements and what they mean for your financial position is increasingly important.

Whether you’re considering purchasing a home, refinancing to review your loan structure, or exploring investment opportunities, now is a timely opportunity to review your current lending arrangements and future plans.

23/03/2026

Your mortgage should evolve with your life. Reviewing your structure regularly ensures that it still fits your goals and keeps you on track for the future. A quick check-in now can help avoid surprises later.

Book a review today and stay ahead of the curve.

17/03/2026

As widely anticipated, the Reserve Bank of Australia (RBA) has increased the cash rate by 0.25% at today's meeting, taking the official cash rate to 4.10%.

The decision reflects the RBA's ongoing focus on returning inflation to its 2-3% target range, with the latest data showing inflation pressures remain elevated.

Recent economic indicators highlight:

- Headline inflation sits at 3.8% for the 12 months to January 2026, remaining above the RBA's target range.
- Underlying (trimmed mean) inflation remains elevated at 3.4% for the 12 months to January 2026, signalling that broader price pressures across the economy are persisting.

The decision comes amid heightened uncertainty in the global economic environment, with ongoing geopolitical tensions contributing to volatility in energy and petrol prices. These developments typically flow through to higher transport and production costs across the economy, which can add to inflationary pressures at a time when inflation remains above the RBA's target range.

In a changing economic environment, staying informed about interest rate movements and how they may affect your financial position is important.

Whether you're considering purchasing a home, refinancing to review your loan structure, or exploring investment opportunities, it may be a good time to review your current lending arrangements and future plans.

17/03/2026

March brings a splash of green and a sense of change in the air.

Did you know early autumn often sees shifts in property activity, with new listings appearing as sellers prepare for the cooler months? It could be a great time to explore what’s out there and learn more about your options.

If you’re curious about what’s happening in the market, let’s have a chat.

16/03/2026

Did you know that changing your repayment frequency from monthly to fortnightly could shave years off your loan? Or that understanding features like offset accounts can help reduce interest costs significantly?

These small tweaks can make a big difference to your financial future.

If you’re ready to explore smarter ways to manage your mortgage, let’s have a conversation today!

04/02/2026

As widely predicted, the Reserve Bank of Australia (RBA) has increased the cash rate by 0.25% at their February 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.
This 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.

Address

Brisbane, QLD

Telephone

+61400814012

Website

http://kristybarnardmab.smartonline.com.au/

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