Variable vs Fixed Rate in 2026 — RBA Path Analysis The Reserve Bank of Australia (RBA) cut the cash rate four times across late 2025 and early 2026. Markets are pricing one more cut in late 2026, then a plateau…
RBA Rate Cuts in 2026: How to Position Your Mortgage — The Reserve Bank’s rate path shapes whether your mortgage costs more or less next year. Even without a crystal ball, you can position your loan to benefit from whichever…
Comparison Rate vs Headline Rate: Why It Matters — The advertised mortgage rate is rarely what you actually pay. The comparison rate is what you pay. Knowing the difference saves thousands. What Headline Rate Is The interest rate the lender…
Fixed Rate Cliff 2026: What Happens When Your Fix Expires — Hundreds of thousands of Australian mortgages fixed at sub-3% during the 2020–2021 period are rolling off to ~6% variable rates. The “cliff” — meaning the payment shock — is…
How RBA Cash Rate Decisions Affect Your Mortgage (And How to Prepare) — The Reserve Bank of Australia meets on the first Tuesday of most months. Their cash rate decision is the single biggest external factor on your mortgage repayments.…