RBA Cuts Interest Rates – What It Could Mean for You

In welcome news for mortgage holders and property investors, the Reserve Bank of Australia cut the official cash rate by 0.25% to 3.85% last week, marking the first rate reduction in the current economic cycle.

This move reflects the RBA’s growing confidence that inflation is easing. For the March 2025 quarter, trimmed mean inflation came in at 2.9%, officially falling within the RBA’s target range of 2 to 3 percent. This milestone supported the decision to reduce rates.

While the RBA remains cautious, this shift indicates a potential transition toward more accommodative monetary policy. That said, the Board is still closely monitoring a number of key risks:

• Global uncertainties, such as ongoing tariff policy shifts in the United States, continue to cast a shadow on global growth.

• Domestic conditions, particularly low unemployment (steady at 4.1%) and wage growth (rising to 3.4%) which could still place upward pressure on inflation.

  
  

Is now the time to review your loans?

With this change, it may be an ideal time to revisit your lending arrangements. Whether you are seeking to reduce your loan repayments, unlock equity or explore new lending opportunities, proactive planning can deliver real financial benefits.

At Accord Loans & Finance, our lead broker Racheal is here to help. Racheal is an award-winning mortgage expert who works closely with our clients to deliver tailored solutions, including refinancing, debt restructuring, new purchases and investment lending.

Work with us to take advantage of the rate cut

We will work alongside Racheal and the Accord Loans & Finance team to ensure your lending strategy complements your broader financial goals. If the RBA’s recent decision could impact your plans or presents an opportunity to improve your position, now is the time to act.

Please get in touch with our office to discuss your situation or to arrange an introduction to Racheal. here to help you stay informed, prepared and one step ahead.