RBA Holds Cash Rate at 3.60% – No Cuts Until 2026?

Written By Chris Bowers

The Reserve Bank of Australia (RBA) has kept the official cash rate at 3.60% as of 4 November 2025. Earlier predictions suggested potential cuts in late 2025, but rising inflation and a tight market mean no rate cuts are expected until 2026.

What this means for mortgage holders.

  • Variable rate: Even though rates haven’t dropped, lenders are offering low rate deals and refinancing options that can help reduce repayments.

  • Fixed rate: With rates expected to stay steady for now, locking in a competitive fixed rate can provide certainty and protection.

  • Home buyers & refinancing: Comparing lenders and seeking deals can uncover lower interest rates, borrowers who shop around can still secure attractive mortgage rates.

Even with the RBA holding rates steady, you can still find competitive mortgage deals through Complete Home Loans

Chris Bowers
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