It's the question on every homeowner's lips this month. And honestly? The answer is more nuanced than a simple yes or no — so let's cut through the noise. Historically, fixing your rate has rarely paid off. And right now, the situation is even trickier: the banks have already moved. Fixed rates have been quietly lifted in anticipation of where the market is heading, which means the window many borrowers were hoping to jump through may have already closed. Where rates actually

The Decision The Reserve Bank of Australia has raised the official cash rate by 0.25%, from 3.60% to 3.85% — the first increase since November 2023. The unanimous decision was driven by inflation running hotter than expected (3.8% annually) and unemployment falling to 4.1%. Governor Michele Bullock said financial conditions were no longer tight enough to bring inflation back to target in a reasonable timeframe.   More Hikes on the Way? All four major banks are tipping another

Australia mortgage and lending market is undergoing a fundamental transformation. Four converging demographic forces each independently significant are collectively redefining who buys property, how they finance it, and what kind of support they need. 1. The Rise of the Entrepreneurial Workforce The composition of Australia workforce has shifted significantly over the past three decades. Between 2000 and 2025, total employment in Australia grew to approximately 14.7 million p

On a fortnightly basis I provide an indication of the lowest available rates for basic and professional package variable rate products. And for 1 year, 2 year and 3 year fixed rate products. The products are based upon LVR (Loan Value Ratio) on a loan amounts of $700,000-, $800,000- and $900,000- and a property price of $1,000,000-. These rates are current as at the time of publishing and can change at any time and is not an indication of an approval of any sort. They are for