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Rent Surge 2026: RBA Decision Impact on Home Loans
- May 13, 2026
- Posted by: Serres Property Finance
- Category: News
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Australian rents are rising at their fastest pace since October 2024, with advertised listings up 5.7% in the year to April. Vacancy rates below 1.8% in every capital city are keeping supply extremely tight, while the Reserve Bank weighs another rate rise at its 6 May 2026 meeting.
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RBA Rate Hike May 2026: What the Third Rise Means for You
- May 13, 2026
- Posted by: Serres Property Finance
- Category: RBA Updates
The RBA is expected to raise the cash rate for the third time in 2026 at its May meeting, with financial markets pricing in a two-in-three chance of a move. For the average borrower with a $736,000 home loan, a 25 basis point increase adds around $117 to monthly repayments. With up to four rate hikes possible in 2026, here is what you need to know about protecting your budget.
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Big Four Banks Pass Rate Hike: Impact on Home Loan Customers
- May 13, 2026
- Posted by: Serres Property Finance
- Category: RBA Updates
The Reserve Bank raised the cash rate from 4.1% to 4.35% on 5 May 2026, its third consecutive increase. All four major Australian banks have confirmed they will pass on the full 0.25% rise to variable home loan customers from around 22 May. Here is what that means for your repayments and what to do next.
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Negotiate a Better Home Loan Rate After Rate Hikes
- May 6, 2026
- Posted by: Serres Property Finance
- Category: News
Three RBA rate hikes in a row have pushed variable home loan rates above 6% for many borrowers. Here’s how to use the discharge form strategy to trigger your lender’s retention team and unlock their best rate, plus how your equity position and cash-back offers factor into your decision.
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Investor Home Loans Surge 9.6%: What It Means for Buyers
- May 4, 2026
- Posted by: Serres Property Finance
- Category: News
Property investor borrowing in Australia has surged 9.6% in the year to March 2026, the fastest growth rate in a decade. Owner-occupier loan growth has slowed and first home buyer applications have fallen sharply. Here is what this shift means for your home loan plans.
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RBA Rate Hike 2026: Inflation Impact on Your Home Loan
- April 28, 2026
- Posted by: Serres Property Finance
- Category: RBA Updates
Australia’s consumer price index hit 4.7% in the year to March 2026, driven by soaring fuel prices linked to the Middle East conflict. Economists expect the RBA to raise the cash rate at its next meeting, adding to repayments for variable-rate borrowers. If you have a home loan, now is the time to review your rate, understand your buffer, and plan for more increases ahead.
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IMF Recession Warning 2026: What It Means for Your Home Loan
- April 14, 2026
- Posted by: Serres Property Finance
- Category: News
The IMF has warned that conflict in the Middle East could trigger a global recession in 2026. Australian households are already cutting back on spending. Here’s what this means for your home loan, borrowing power, and property plans.
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Home Loan Loyalty Tax: Are You Paying Too Much?
- April 8, 2026
- Posted by: Serres Property Finance
- Category: News
The home loan loyalty tax is real: Australian borrowers with older loans are paying up to 1.04% more per year than new customers, according to an ACCC report. Find out why this happens, why so many people stay put, and what you can do right now to stop overpaying.
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RBA Rate Cut: How It Affects Your Borrowing Power
- March 4, 2025
- Posted by: Serres Property Finance
- Category: RBA Updates
The RBA’s February 2025 rate cut was the first cash rate reduction since November 2020. We explain what it means for your borrowing power, how much extra you could borrow, and what shifts to expect in lending conditions as rates move lower.
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RBA Rate Cut February 2025: All Four Banks Pass It On
- February 28, 2025
- Posted by: Serres Property Finance
- Category: RBA Updates
The RBA cut the cash rate from 4.35% to 4.10% in February 2025, the first reduction in four years. All four major banks have confirmed they will pass on the full 0.25% cut, reducing variable home loan rates for millions of Australian borrowers.
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