Effective: 27 Mar 2026
Data: December 2025
Enter your loan details to see how rate changes affect you
RBA targets inflation at 2-3%. When CPI exceeds this range, RBA may raise rates to 'cool' the economy.
After RBA changes rates, banks typically adjust mortgage rates within 1-2 weeks. Variable rates are directly affected.
Banks add 3% buffer to current rates when assessing borrowing capacity. This ensures you can handle future rate rises.
Fixed rates stay constant during the term but are usually higher. Your choice depends on rate expectations and risk tolerance.
Interest rate environment is complex. Let professionals help you find the best loan strategy.
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