Knowledge Hub
RBA Holds Cash Rate Steady: What It Means for Borrowers Heading Into 2026
The Reserve Bank of Australia has wrapped up 2025 with a widely anticipated decision to keep the official cash rate unchanged at 3.6%. While this wasn't the pre-Christmas rate cut many Australian families were hoping for, the decision provides a measure of certainty as we head into the new year.
Pooling resources, protecting your future: The essential legal steps for buying a home with siblings or friends
Saving a deposit for your first home has become one of the greatest financial hurdles for Australians. It's a challenge that has made co-buying—teaming up with a sibling, family member, or friend—an increasingly popular and effective solution.
By pooling resources, co-buyers can enter the market sooner, access properties in better locations, and share the financial burdens of ongoing maintenance and rates. Government initiatives, such as the First Home Guarantee, further sweeten the deal by allowing eligible pairs to purchase with a smaller deposit and without paying Lenders Mortgage Insurance (LMI).
Stop settling: Why choosing your financial institution for a loan limits your wealth
Most people take the easy path to finance, but it comes with a hidden cost. Your personal financial institution is focused on the immediate transaction, not your future financial strategy. Learn the two major drawbacks of staying loyal, and discover how partnering with an integrated team of brokers and finance strategists can unlock better rates, better structures, and a clear plan for property and business expansion.
RBA holds cash rate at 3.60% — Hopes for festive season relief dashed
The Reserve Bank of Australia (RBA) delivered its interest rate decision this afternoon, choosing to keep the official cash rate on hold at 3.60 per cent.
While the decision to hold was broadly anticipated by financial markets, it will be a source of immediate frustration for many Australian homeowners clinging to the hope of further monetary policy relief before the end of the year.
The RBA's inaction solidifies the growing market consensus that rates are now likely to remain steady at the current 3.60 per cent level until at least the end of December.