15/07/2026
The RBA Held the Cash Rate at 4.35% — Here's What That Actually Means
The Reserve Bank left the cash rate on hold at 4.35% at its June meeting, pausing after three rises earlier in the year. The next decision lands on 11 August.
A hold isn't a cut, and repayments aren't dropping because of it — but it does mean the pressure isn't getting worse for now, and that's given a lot of our clients breathing room to actually plan rather than react.
If you fixed a rate in the last 18 months, this is a good time to check what you'll roll onto. If you're variable, it's worth confirming your rate is still competitive rather than assuming it moved in line with everyone else's.
We're not economists and we won't pretend to know exactly what happens on 11 August. What we can do is make sure your loan is working as hard as it can in the meantime.
Not sure if your current rate is still competitive? Send it through and we'll benchmark it for you, free.
