Interest Rates | Australian Property Network™

Rates Up, Reading Down: Why the Interest Rates Reading Eased in the June Quarter

On 29 September the RBA raised the cash rate to 4.60% and APN recertified its Interest Rates reading lower, at +0.9807 from +1.0049. The two-year yield and high debt-to-income lending explain why.

Wednesday September 30, 2026

How Much of Each Cash-Rate Change Reaches Borrowers: Rates Charged Since 2022

Interest Rates

How Much of Each Cash-Rate Change Reaches Borrowers: Rates Charged Since 2022

The RBA raised the cash rate to 4.60% on 29 September 2026. Across 2022 and 2023, about 83% of the increases reached existing owner-occupier variable rates; the changes of 2025 and 2026 reached them in full.

Tuesday September 29, 2026

The Two-Year Yield Before Each Rate Change

Interest Rates

The Two-Year Yield Before Each Rate Change

Across the 29 changes to the cash rate target since September 2013, the two-year Australian Government bond yield, read at the last close before each decision was announced, sat below the target before 12 of the 13 reductions and above...

Monday September 21, 2026

Interest Rates

Above the Cash Rate: What Borrowers Are Actually Charged

The advertised standard variable home-loan rate has sat 4.42 percentage points above the cash rate in 67 of the 69 months since November 2020, moving point for point with it. The rates borrowers are actually charged have not: new owner-occupier...

Monday September 21, 2026

The CPI Front-Run: How Australia’s Major Banks Just Executed a De Facto Rate Hike

Interest Rates

The CPI Front-Run: How Australia’s Major Banks Just Executed a De Facto Rate Hike

A pre-emptive strike by Australia's major banks has effectively tightened monetary policy, regardless of the RBA's next move. APN analysis shows that a massive 70 basis point hike by CBA, followed by other majors, has established a new 6.00% floor...

Monday January 26, 2026

Divergence in Economic Sentiment: APN Analysis Indicates a February Rate Hike to 3.85% as the Base Case

Interest Rates

Divergence in Economic Sentiment: APN Analysis Indicates a February Rate Hike to 3.85% as the Base Case

Despite an optically positive drop in headline inflation, Australia is on the precipice of a February 2026 interest rate hike. APN analysis shows the Reserve Bank is likely to look through the deceptive headline figure and act on stubbornly high...

Friday January 9, 2026

The Resilience Trap: RBA Confirms Household Buffers are Sustaining Higher Rates and Contributing to Accelerated Capital Asymmetry

Interest Rates

The Resilience Trap: RBA Confirms Household Buffers are Sustaining Higher Rates and Contributing to Accelerated Capital Asymmetry

The RBA is now trapped by the very household resilience it fostered, locking in higher interest rates for longer. APN analysis identifies this 'Resilience Trap' as a direct validation of our Project Overlord thesis, creating a Wealth Funnel that will...

Wednesday November 19, 2025

RBA Policy Failure Confirmed: ‘Wealth Funnel’ Inflation Forces End of Easing Cycle, Trapping Developers

Interest Rates

RBA Policy Failure Confirmed: ‘Wealth Funnel’ Inflation Forces End of Easing Cycle, Trapping Developers

The Reserve Bank of Australia's 2025 easing cycle is officially over, forced to a halt by the very inflation it helped create. APN analysis shows this policy inflection validates The Wealth Funnel as a key inflationary driver and locks in...

Monday November 17, 2025

Cash Rate Cut on the Cards? Banks Dip Below 4pc, Fueling Property Speculation

Interest Rates

Cash Rate Cut on the Cards? Banks Dip Below 4pc, Fueling Property Speculation

Anticipation of RBA cash rate cuts is surging, with some lenders already offering fixed mortgage rates below 5%, even dipping into the 4% range. Market sentiment, fueled by ASX RBA Rate Indicator data, suggests expectations of a larger 0.5% cut...

Sunday August 10, 2025

RBA Rate Cut: Brace for Another Property Price Bump?

Interest Rates

RBA Rate Cut: Brace for Another Property Price Bump?

CBA economists predict that potential RBA rate cuts could further inflate Australian property prices, revising their 2025 growth forecast upwards to 6%. This has significant implications for property professionals. A 100 basis point rate reduction could lead to a 9%...

Sunday August 10, 2025

Category: Interest Rates

Rates Up, Reading Down: Why the Interest Rates Reading Eased in the June Quarter

How Much of Each Cash-Rate Change Reaches Borrowers: Rates Charged Since 2022

The Two-Year Yield Before Each Rate Change

Above the Cash Rate: What Borrowers Are Actually Charged

The CPI Front-Run: How Australia’s Major Banks Just Executed a De Facto Rate Hike

Divergence in Economic Sentiment: APN Analysis Indicates a February Rate Hike to 3.85% as the Base Case

RBA Policy Failure Confirmed: ‘Wealth Funnel’ Inflation Forces End of Easing Cycle, Trapping Developers

Cash Rate Cut on the Cards? Banks Dip Below 4pc, Fueling Property Speculation

RBA Rate Cut: Brace for Another Property Price Bump?

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