2 RBA Meetings Left in 2025 - What It Means for Your Home Loan Strategy?
- November 22, 2025
As we enter the final stretch of 2025, the Reserve Bank of Australia (RBA) has just two meetings left — in November and December. After multiple cuts this year, the cash rate currently sits at 3.60%, bringing long-awaited relief to borrowers across Western Sydney.
The big question now is: will the RBA move again before year-end?
What’s Driving the RBA’s Next Decisions
Inflation has eased but remains slightly above the 2–3% target range. Wages have stabilised, and housing activity is picking up again in growth areas such as Schofields, Box Hill, The Ponds and Rouse Hill, where young families and first home buyers are actively entering the market.
Most economists expect the RBA to hold rates steady in November, giving borrowers in suburbs like Marsden Park, Kellyville, and Riverstone a window to reassess their loan options before any policy changes in December or early 2026.
What Borrowers Should Do Now
Review your current rate — lenders may not have passed on full rate cuts.
Check your borrowing capacity — especially if you’re planning to buy before Christmas.
Consider fixing part of your loan for repayment stability.
Whether you’re based in Blacktown, Stanhope Gardens or Bella Vista, the next few months could define your 2026 mortgage strategy.
📲 Need a local mortgage broker?
Our team at LoanFin helps borrowers across The Ponds, Glenwood, Schofields, and nearby suburbs review their loans and find better rates. Get in touch today to book a free home loan review before the next RBA meeting.
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