The Reserve Bank of Australia (RBA) has announced that the cash rate will remain steady at 3.60% following today’s meeting.
The RBA continues to take a careful, measured approach as it works to balance inflation control with the goal of maintaining a healthy employment market.
Here are the key points behind the decision:
Inflation trends
Headline CPI rose to 3.2% in September 2025, up from 2.1% in the June quarter — a sign that inflationary pressures are still lingering and require close monitoring.
Employment shifts
Unemployment has nudged up to 4.5%, pointing to a slightly cooler labour market compared to earlier in the year.
Why the RBA held the rate
Keeping the cash rate on hold gives the RBA more time to observe how the economy responds and to determine whether future changes are needed. Stability is the priority, especially while both inflation and employment remain in a delicate balance.
What this means for borrowers and homeowners
Rate holds can be an ideal moment to reassess your plans — whether you’re:
- thinking about buying a home
- exploring refinancing for a better deal
- reviewing your investment lending strategy
Even small movements in the broader economy can influence borrowing conditions, loan options and long-term affordability.
Want to talk through your options?
If you’d like help understanding how today’s decision might impact your budget, borrowing power or future plans, I’m here to chat. Feel free to reach out anytime.
