Mortgage
How the RBA Cash Rate Affects Home Loan Rates in Australia
Understanding the relationship between the Reserve Bank's cash rate decisions and your variable and fixed home loan interest rates.
Rates
Articles about rates under Mortgage.
Mortgage
Fixed Versus Variable Home Loan Rates in Australia: Which to Choose
Compare fixed and variable home loan rates in Australia to decide which rate type suits your financial situation and risk tolerance.
Mortgage
Variable Versus Fixed Home Loan Comparison in Australia
Use our calculator to compare variable and fixed-rate home loans side by side and find which structure saves you money over your loan term.
Mortgage
How to Compare Two Home Loans Side by Side in Australia
Comparing home loans goes beyond the advertised interest rate. Learn how to find the lower true cost by evaluating comparison rates, fees, features, and total repayments.
Mortgage
How to Calculate Your New Repayment When Variable Rates Reset in Australia
Variable rate home loans adjust when lenders change their rates, directly affecting your monthly repayment. Learn how to calculate your new repayment amount and plan ahead for rate movements.
Mortgage
Fixed vs Variable Home Loan Rates After an RBA Decision: A Guide for Australian Borrowers
Understanding how Reserve Bank of Australia rate decisions affect your choice between fixing your home loan rate or staying variable.
Mortgage
How to Compare Home Loan Comparison Rates in Australia
Learn how to evaluate comparison rates effectively when shopping for a home loan, including what the rate includes, how to use it alongside other factors, and common mistakes to avoid.
Mortgage
Split Home Loans in Australia: Should You Fix Part and Keep Part Variable?
A split home loan lets you divide your borrowing between fixed and variable rates. Compare the benefits and trade-offs against full fixed or full variable loans to decide which structure suits your goals.
Mortgage
Fixed vs Variable Home Loan Rates in Australia: Which to Choose
Compare fixed-rate and variable-rate home loans to decide which suits your financial goals and risk tolerance in the Australian market.
Mortgage
How the RBA July Rate Decision Affects Home Loans in Australia
The Reserve Bank of Australia's July board meeting sets the cash rate, directly influencing variable home loan rates and monthly repayments for Australian borrowers.
Mortgage
RBA Interest Rate Decision: What Australian Mortgage Holders Need to Know
The Reserve Bank of Australia's latest cash rate decision affects variable-rate home loans immediately, with borrowers facing potential increases of hundreds of dollars per month in repayments.
Mortgage
RBA Rate Hike February 2026: Impact on Home Loans in Australia
The Reserve Bank of Australia raised the cash rate by 0.25 percentage points in February 2026, directly affecting variable-rate home loan repayments for Australian borrowers.
Mortgage
Australian Mortgage Holders Face Rising Rate Pain: 'We Never Would Have Bought'
Rising interest rates are forcing Australian mortgage holders to rethink their home purchases as monthly repayments climb beyond what many households can comfortably afford.
Mortgage
Home Loan Interest Rates Jump with Cash Rate Increase in Australia
Australian home loan interest rates have risen following the Reserve Bank's latest cash rate increase, directly impacting variable-rate borrowers with higher monthly repayments.
Mortgage
Home Loans and Interest Rates in Australia in 2026
An overview of Australian home loans, current interest rates, and key factors affecting mortgage costs in 2026.
Mortgage
Why Australia's Debt-Free Homeowners Are Dismayed by RBA Rate Hikes
Many outright homeowners in Australia do not have a mortgage, yet Reserve Bank rate hikes still cause significant financial and emotional strain.
Mortgage
Mortgage Stress in Australia: 65,000 Homeowners Struggling Despite RBA Rate Hold
Despite the RBA holding the cash rate steady, 65,000 Australian homeowners have fallen into mortgage stress, highlighting ongoing affordability challenges even without further rate rises.
Mortgage
RBA July Board Meeting in Australia: No Rate Decision and Home Loan Strategy
The RBA has no Monetary Policy Board rate decision scheduled for July 2026. Australian home loan borrowers can use the month to review repayments, comparison rates and refinance options before August.
Mortgage
What Major Bank Mortgage Rate Cuts Mean for Borrowers in Australia
Some Australian lenders have cut selected fixed home loan rates, but that does not automatically mean every borrower should fix. Compare the rate, comparison rate, fees and flexibility before switching.
Mortgage
Why Mortgage Stress Rose in Australia After RBA Rate Rises
Mortgage stress risk rose after earlier RBA rate rises flowed into borrower repayments. Here is what the April increase means for Australian home loan borrowers.
Mortgage
CommBank Ends Sub-5% Big Four Home Loan Rate Offer in Australia
CommBank's withdrawn special offer is a reminder that headline home loan rates can move quickly. Compare the comparison rate, fees and loan features before switching.
Mortgage
Summer Rate Lock Checklist for Australian Buyers Settling Before December
A practical checklist for Australian home buyers who want to manage fixed-rate risk before a pre-December settlement. Learn when a rate lock may help, what to confirm, and what can still change.
Mortgage
NAB Home Loan Interest Rate Change in Australia: What Borrowers Should Check
NAB's reported home loan rate change affects variable borrowers first, but fixed-rate customers and refinancers should still review their options. Here is what the change means in Australia and how to respond without rushing.
Mortgage
Why Banks Are Cutting Home Loan Rates in Australia Despite RBA Caution
Some Australian lenders can cut selected home loan rates even when the RBA remains cautious. The useful question is whether your total loan cost improves, not whether one advertised rate looks lower.
Mortgage
2026 Interest Rate Forecast: Will Australian Home Loan Rates Fall?
Australian home loan rates may fall later in 2026, but cuts are not guaranteed. Borrowers should compare the full comparison rate, fees and loan features before waiting for lower repayments.
Mortgage
Mortgage Stress in Australia: Hard Choices Between Healthcare and Home Loans
As interest rates rise, many Australian households are facing severe mortgage stress, forcing a dangerous trade-off between keeping their homes and funding essential healthcare.
Mortgage
RBA June 2026 Board Meeting: Post-Decision Home Loan Strategy for Australian Borrowers
The Reserve Bank held the cash rate steady in June 2026. Here is what Australian home loan borrowers should do now to optimise their position.
Mortgage
Mortgage and Refinance Interest Rates in Australia Today, June 24, 2026: Rates Falling Again
Australian mortgage rates continue their downward trend today, with variable and fixed rates declining across major lenders following recent RBA signals.
Mortgage
Mortgage and Refinance Interest Rates in Australia: Will Rates Rise or Fall This Week?
Current mortgage rates for Australian borrowers and the outlook for the week ahead.
Mortgage
Mortgage and Refinance Interest Rates in Australia Today, Tuesday, 23 June 2026: Rates Mixed
Mortgage rates showed mixed movement today as lenders adjust variable and fixed offerings independently. Check the latest rates before you lock in.
Mortgage
Mortgage Interest Rates in Australia Reverse Course and Rise (June 2026)
After months of declines, Australian mortgage and refinance rates rose in June 2026, reversing the downward trend borrowers had grown accustomed to.
Mortgage
Mortgage and Refinance Interest Rates in Australia Today, 21 June 2026: Rates Higher Compared to Last Week
Australian home loan rates have risen this week across variable and fixed products, following recent market movements and expectations around the RBA cash rate.
Mortgage
Mortgage Rates Dropped This Week in Australia as Global Peace Deal Eased Inflation Pressures
Australian mortgage rates have fallen this week following positive developments in the Iran peace agreement, which reduced global oil prices and eased inflation concerns that influence the RBA's interest rate decisions.
Mortgage
The RBA Holds the Cash Rate Steady: Will It Impact the Housing Market in Australia?
The Reserve Bank of Australia's decision to hold the cash rate affects variable home loan rates and refinancing opportunities.
Mortgage
Mortgage and Refinance Interest Rates in Australia Today: Fixed Rates Continue to Fall
Fixed-rate home loans in Australia continue their downward trend as of June 17, 2026, while variable rates remain stable.
Mortgage
What an RBA Rate Pause May Mean for Mortgage Interest Rates in Australia
When the Reserve Bank holds the cash rate steady, the impact on your home loan depends on your rate type and lender pricing decisions.
Mortgage
Mortgage and Refinance Interest Rates Today: Fixed Rates Edge Lower, Variable Rates Remain Volatile
Fixed-rate home loans show downward movement while variable rates continue to fluctuate amid uncertain market conditions. Here's what Australian borrowers need to know about today's rates.
Mortgage
Fixed vs Variable Rate Home Loan in Australia: How to Decide
Learn how to choose between a fixed-rate and variable-rate home loan in Australia with this step-by-step guide covering rates, features, and your personal financial situation.
