03/11/2026
The RBA has lifted the cash rate by 0.25%, taking it to 4.85%. That’s the fifth rise this year, and we know each one lands a little heavier.
Here’s what’s worth knowing. Your lender decides whether to pass the change on to your variable rate, and when. Most will let you know by email or letter, so keep an eye on your inbox over the coming weeks.
If your repayments are starting to feel tight, a conversation now is far easier than one in six months. A review could show whether your current loan still suits where you’re at, and what your options look like.
Want to chat with one of our brokers? Head to the link in our bio. 🙂
Source: Reserve Bank of Australia, cash rate decision, 3 November 2026.