#interest rate

When the RBA eventually cuts the cash rate from 4.35%, refinancing could save serious money. Here's the playbook: when to switch, how to beat the serviceability buffer with APRA's 3% assessment, and what to line up now so you're ready.

The RBA has held the cash rate at 4.35% after three 25bp hikes in 2026 (February, March, May). Here's exactly how this rate environment impacts your borrowing capacity, what APRA's 3% serviceability buffer means, and when the major banks expect cuts.