13/10/2026
RBA cash rate moves and your mortgage: what to do next
If you’ve seen headlines about the cash rate lifting to 4.60%, you’re probably asking the right question: “What does this mean for my repayments and my options?”
A few practical steps we’re walking clients through right now:
1) Check when your fixed rate ends (and what rate you’ll revert to)
2) Review your variable rate against the market (pricing has moved fast)
3) Stress test your budget for another 0.25% to 0.50%
4) If you’re buying, confirm your borrowing capacity hasn’t shifted since pre-approval
If you want, we can run a quick review across our lender panel and map out the best next move for your situation.
Call 1300 30 6767 or visit OriginFinance.com.au