What Happens if the RBA Rate Hold?
If the RBA decides on no change (hold), the cash rate would move from 3.85% to 3.85%. Here's what that means for mortgage repayments.
Current cash rate
3.85%
Rate after rate hold
3.85%
+0bp
Mortgage repayment impact
Based on a 30-year principal & interest loan with 2.5% bank margin above the cash rate.
| Loan size | Current | After rate hold | Change |
|---|---|---|---|
| $300,000 | $1,867/mo | $1,867/mo | No change/mo |
| $500,000 | $3,111/mo | $3,111/mo | No change/mo |
| $750,000 | $4,667/mo | $4,667/mo | No change/mo |
| $1,000,000 | $6,222/mo | $6,222/mo | No change/mo |
Which meetings price a rate hold?
| Meeting | Probability |
|---|---|
| March 2026 | 76% |
| May 2026 | 36% |
| June 2026 | 75% |
| August 2026 | 55% |
| September 2026 | 80% |
| November 2026 | 78% |
| December 2026 | 81% |