[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/truthgroup.com.au\/2026\/02\/12\/are-interest-rates-in-australia-going-to-increase-more-in-2026\/#BlogPosting","mainEntityOfPage":"https:\/\/truthgroup.com.au\/2026\/02\/12\/are-interest-rates-in-australia-going-to-increase-more-in-2026\/","headline":"Are Interest Rates in Australia Going to Increase More in 2026?","name":"Are Interest Rates in Australia Going to Increase More in 2026?","description":"Mortgage Broker &amp; Buyer\u2019s Agent Insight | Truth Group As we move through 2026, many Australian homeowners, buyers, and property investors are asking the same question: Are interest rates in Australia going to increase more in 2026, and how should I plan my mortgage around it? Will interest rates go up again, or have we ... <a title=\"Are Interest Rates in Australia Going to Increase More in 2026?\" class=\"read-more\" href=\"https:\/\/truthgroup.com.au\/2026\/02\/12\/are-interest-rates-in-australia-going-to-increase-more-in-2026\/\" aria-label=\"Read more about Are Interest Rates in Australia Going to Increase More in 2026?\">Read more<\/a>","datePublished":"2026-02-12","dateModified":"2026-02-12","author":{"@type":"Person","@id":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/#Person","name":"Nicholas Parpis","url":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/","identifier":216551164,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Truth Group Pty Ltd.","logo":{"@type":"ImageObject","@id":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2025\/10\/hero-logo-1-e1762756174980.png","url":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2025\/10\/hero-logo-1-e1762756174980.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/02\/are-interest-rates-in-australia-going-to-increase-more-in-e1770878675289.png","url":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/02\/are-interest-rates-in-australia-going-to-increase-more-in-e1770878675289.png","height":"686","width":"1024"},"url":"https:\/\/truthgroup.com.au\/2026\/02\/12\/are-interest-rates-in-australia-going-to-increase-more-in-2026\/","about":["Latest Post"],"wordCount":1065,"articleBody":".wp-block-kadence-advancedheading.kt-adv-heading40176_5c8013-7f, .wp-block-kadence-advancedheading.kt-adv-heading40176_5c8013-7f[data-kb-block=\"kb-adv-heading40176_5c8013-7f\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_5c8013-7f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_5c8013-7f[data-kb-block=\"kb-adv-heading40176_5c8013-7f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_5c8013-7f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_5c8013-7f[data-kb-block=\"kb-adv-heading40176_5c8013-7f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading40176_bef5ad-2e, .wp-block-kadence-advancedheading.kt-adv-heading40176_bef5ad-2e[data-kb-block=\"kb-adv-heading40176_bef5ad-2e\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_bef5ad-2e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_bef5ad-2e[data-kb-block=\"kb-adv-heading40176_bef5ad-2e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_bef5ad-2e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_bef5ad-2e[data-kb-block=\"kb-adv-heading40176_bef5ad-2e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Mortgage Broker &amp; Buyer\u2019s Agent Insight | Truth Group.wp-block-kadence-advancedheading.kt-adv-heading40176_f9023a-ba, .wp-block-kadence-advancedheading.kt-adv-heading40176_f9023a-ba[data-kb-block=\"kb-adv-heading40176_f9023a-ba\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_f9023a-ba mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_f9023a-ba[data-kb-block=\"kb-adv-heading40176_f9023a-ba\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_f9023a-ba img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_f9023a-ba[data-kb-block=\"kb-adv-heading40176_f9023a-ba\"] img.kb-inline-image{width:150px;vertical-align:baseline;}As we move through 2026, many Australian homeowners, buyers, and property investors are asking the same question:.wp-block-kadence-advancedheading.kt-adv-heading40176_a5ea78-d1, .wp-block-kadence-advancedheading.kt-adv-heading40176_a5ea78-d1[data-kb-block=\"kb-adv-heading40176_a5ea78-d1\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_a5ea78-d1 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_a5ea78-d1[data-kb-block=\"kb-adv-heading40176_a5ea78-d1\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_a5ea78-d1 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_a5ea78-d1[data-kb-block=\"kb-adv-heading40176_a5ea78-d1\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Are interest rates in Australia going to increase more in 2026, and how should I plan my mortgage around it?.wp-block-kadence-advancedheading.kt-adv-heading40176_8fdd05-12, .wp-block-kadence-advancedheading.kt-adv-heading40176_8fdd05-12[data-kb-block=\"kb-adv-heading40176_8fdd05-12\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_8fdd05-12 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_8fdd05-12[data-kb-block=\"kb-adv-heading40176_8fdd05-12\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_8fdd05-12 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_8fdd05-12[data-kb-block=\"kb-adv-heading40176_8fdd05-12\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Will interest rates go up again, or have we reached the peak?.wp-block-kadence-advancedheading.kt-adv-heading40176_476f1b-21, .wp-block-kadence-advancedheading.kt-adv-heading40176_476f1b-21[data-kb-block=\"kb-adv-heading40176_476f1b-21\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_476f1b-21 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_476f1b-21[data-kb-block=\"kb-adv-heading40176_476f1b-21\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_476f1b-21 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_476f1b-21[data-kb-block=\"kb-adv-heading40176_476f1b-21\"] img.kb-inline-image{width:150px;vertical-align:baseline;}With the Reserve Bank of Australia (RBA) recently shifting its stance and inflation still sitting above the target range, interest rates are firmly back in the spotlight..wp-block-kadence-advancedheading.kt-adv-heading40176_8c8e67-7e, .wp-block-kadence-advancedheading.kt-adv-heading40176_8c8e67-7e[data-kb-block=\"kb-adv-heading40176_8c8e67-7e\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_8c8e67-7e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_8c8e67-7e[data-kb-block=\"kb-adv-heading40176_8c8e67-7e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_8c8e67-7e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_8c8e67-7e[data-kb-block=\"kb-adv-heading40176_8c8e67-7e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}In this article, I\u2019ll break down what\u2019s happening with interest rates in Australia in 2026, what the RBA is watching, and what this means for borrowers..wp-block-kadence-advancedheading.kt-adv-heading40176_95bd7a-e5, .wp-block-kadence-advancedheading.kt-adv-heading40176_95bd7a-e5[data-kb-block=\"kb-adv-heading40176_95bd7a-e5\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_95bd7a-e5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_95bd7a-e5[data-kb-block=\"kb-adv-heading40176_95bd7a-e5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_95bd7a-e5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_95bd7a-e5[data-kb-block=\"kb-adv-heading40176_95bd7a-e5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}&#8212;.wp-block-kadence-advancedheading.kt-adv-heading40176_065ae8-0a, .wp-block-kadence-advancedheading.kt-adv-heading40176_065ae8-0a[data-kb-block=\"kb-adv-heading40176_065ae8-0a\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_065ae8-0a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_065ae8-0a[data-kb-block=\"kb-adv-heading40176_065ae8-0a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_065ae8-0a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_065ae8-0a[data-kb-block=\"kb-adv-heading40176_065ae8-0a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Where Are Interest Rates Sitting in 2026?.wp-block-kadence-advancedheading.kt-adv-heading40176_34ca29-c9, .wp-block-kadence-advancedheading.kt-adv-heading40176_34ca29-c9[data-kb-block=\"kb-adv-heading40176_34ca29-c9\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_34ca29-c9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_34ca29-c9[data-kb-block=\"kb-adv-heading40176_34ca29-c9\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_34ca29-c9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_34ca29-c9[data-kb-block=\"kb-adv-heading40176_34ca29-c9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}In early 2026, the RBA lifted the official cash rate again after a long pause, signalling that inflation pressures are proving more stubborn than expected..wp-block-kadence-advancedheading.kt-adv-heading40176_8ead40-3a, .wp-block-kadence-advancedheading.kt-adv-heading40176_8ead40-3a[data-kb-block=\"kb-adv-heading40176_8ead40-3a\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_8ead40-3a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_8ead40-3a[data-kb-block=\"kb-adv-heading40176_8ead40-3a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_8ead40-3a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_8ead40-3a[data-kb-block=\"kb-adv-heading40176_8ead40-3a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}While rates are nowhere near the emergency lows of previous years, the RBA\u2019s message is clear:.wp-block-kadence-advancedheading.kt-adv-heading40176_4a85ed-43, .wp-block-kadence-advancedheading.kt-adv-heading40176_4a85ed-43[data-kb-block=\"kb-adv-heading40176_4a85ed-43\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_4a85ed-43 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_4a85ed-43[data-kb-block=\"kb-adv-heading40176_4a85ed-43\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_4a85ed-43 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_4a85ed-43[data-kb-block=\"kb-adv-heading40176_4a85ed-43\"] img.kb-inline-image{width:150px;vertical-align:baseline;}&gt; Inflation is still too high, and further action remains on the table if needed..wp-block-kadence-advancedheading.kt-adv-heading40176_4378fe-e4, .wp-block-kadence-advancedheading.kt-adv-heading40176_4378fe-e4[data-kb-block=\"kb-adv-heading40176_4378fe-e4\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_4378fe-e4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_4378fe-e4[data-kb-block=\"kb-adv-heading40176_4378fe-e4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_4378fe-e4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_4378fe-e4[data-kb-block=\"kb-adv-heading40176_4378fe-e4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}This has led many economists and major banks to revise their forecasts and reintroduce the possibility of additional rate increases during 2026..wp-block-kadence-advancedheading.kt-adv-heading40176_8fa8f5-df, .wp-block-kadence-advancedheading.kt-adv-heading40176_8fa8f5-df[data-kb-block=\"kb-adv-heading40176_8fa8f5-df\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_8fa8f5-df mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_8fa8f5-df[data-kb-block=\"kb-adv-heading40176_8fa8f5-df\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_8fa8f5-df img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_8fa8f5-df[data-kb-block=\"kb-adv-heading40176_8fa8f5-df\"] img.kb-inline-image{width:150px;vertical-align:baseline;}&#8212;.wp-block-kadence-advancedheading.kt-adv-heading40176_01e53f-d5, .wp-block-kadence-advancedheading.kt-adv-heading40176_01e53f-d5[data-kb-block=\"kb-adv-heading40176_01e53f-d5\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_01e53f-d5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_01e53f-d5[data-kb-block=\"kb-adv-heading40176_01e53f-d5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_01e53f-d5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_01e53f-d5[data-kb-block=\"kb-adv-heading40176_01e53f-d5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Is the RBA Likely to Increase Rates Again?.wp-block-kadence-advancedheading.kt-adv-heading40176_bcf93b-5a, .wp-block-kadence-advancedheading.kt-adv-heading40176_bcf93b-5a[data-kb-block=\"kb-adv-heading40176_bcf93b-5a\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_bcf93b-5a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_bcf93b-5a[data-kb-block=\"kb-adv-heading40176_bcf93b-5a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_bcf93b-5a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_bcf93b-5a[data-kb-block=\"kb-adv-heading40176_bcf93b-5a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}The short answer: Possibly&#8230;but not aggressively..wp-block-kadence-advancedheading.kt-adv-heading40176_f48225-ec, .wp-block-kadence-advancedheading.kt-adv-heading40176_f48225-ec[data-kb-block=\"kb-adv-heading40176_f48225-ec\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_f48225-ec mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_f48225-ec[data-kb-block=\"kb-adv-heading40176_f48225-ec\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_f48225-ec img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_f48225-ec[data-kb-block=\"kb-adv-heading40176_f48225-ec\"] img.kb-inline-image{width:150px;vertical-align:baseline;}The RBA has repeatedly stated it is data\u2011dependent, meaning future decisions will be driven by economic indicators rather than a fixed plan..wp-block-kadence-advancedheading.kt-adv-heading40176_c97c46-bc, .wp-block-kadence-advancedheading.kt-adv-heading40176_c97c46-bc[data-kb-block=\"kb-adv-heading40176_c97c46-bc\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_c97c46-bc mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_c97c46-bc[data-kb-block=\"kb-adv-heading40176_c97c46-bc\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_c97c46-bc img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_c97c46-bc[data-kb-block=\"kb-adv-heading40176_c97c46-bc\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Key factors influencing rate decisions in 2026 include:Inflation levels \u2013 The RBA\u2019s target remains 2\u20133%. Any sustained movement above this range keeps upward pressure on rates.Wages growth \u2013 Strong wage growth can fuel inflation if not matched by productivity gains.Consumer spending \u2013 If households continue spending despite higher rates, the RBA may feel more tightening is required.Employment conditions \u2013 A tight labour market reduces the urgency to cut rates.Global economic pressures \u2013 Overseas interest rates, energy prices, and geopolitical events all play a role..wp-block-kadence-advancedheading.kt-adv-heading40176_2b5d87-73, .wp-block-kadence-advancedheading.kt-adv-heading40176_2b5d87-73[data-kb-block=\"kb-adv-heading40176_2b5d87-73\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_2b5d87-73 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_2b5d87-73[data-kb-block=\"kb-adv-heading40176_2b5d87-73\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_2b5d87-73 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_2b5d87-73[data-kb-block=\"kb-adv-heading40176_2b5d87-73\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Most forecasts suggest one additional rate rise is possible in 2026, followed by a holding period \u2014 rather than a long series of increases..wp-block-kadence-advancedheading.kt-adv-heading40176_9f4bc2-3f, .wp-block-kadence-advancedheading.kt-adv-heading40176_9f4bc2-3f[data-kb-block=\"kb-adv-heading40176_9f4bc2-3f\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_9f4bc2-3f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_9f4bc2-3f[data-kb-block=\"kb-adv-heading40176_9f4bc2-3f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_9f4bc2-3f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_9f4bc2-3f[data-kb-block=\"kb-adv-heading40176_9f4bc2-3f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}&#8212;.wp-block-kadence-advancedheading.kt-adv-heading40176_4dd7d0-ca, .wp-block-kadence-advancedheading.kt-adv-heading40176_4dd7d0-ca[data-kb-block=\"kb-adv-heading40176_4dd7d0-ca\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_4dd7d0-ca mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_4dd7d0-ca[data-kb-block=\"kb-adv-heading40176_4dd7d0-ca\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_4dd7d0-ca img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_4dd7d0-ca[data-kb-block=\"kb-adv-heading40176_4dd7d0-ca\"] img.kb-inline-image{width:150px;vertical-align:baseline;}What This Means for Home Loan Borrowers.wp-block-kadence-advancedheading.kt-adv-heading40176_6e681a-35, .wp-block-kadence-advancedheading.kt-adv-heading40176_6e681a-35[data-kb-block=\"kb-adv-heading40176_6e681a-35\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_6e681a-35 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_6e681a-35[data-kb-block=\"kb-adv-heading40176_6e681a-35\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_6e681a-35 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_6e681a-35[data-kb-block=\"kb-adv-heading40176_6e681a-35\"] img.kb-inline-image{width:150px;vertical-align:baseline;}For existing variable\u2011rate borrowers.wp-block-kadence-advancedheading.kt-adv-heading40176_a1bb7f-f7, .wp-block-kadence-advancedheading.kt-adv-heading40176_a1bb7f-f7[data-kb-block=\"kb-adv-heading40176_a1bb7f-f7\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_a1bb7f-f7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_a1bb7f-f7[data-kb-block=\"kb-adv-heading40176_a1bb7f-f7\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_a1bb7f-f7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_a1bb7f-f7[data-kb-block=\"kb-adv-heading40176_a1bb7f-f7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}If rates increase again:Monthly repayments may rise furtherHousehold cash flow could tightenRefinancing and loan structure become more important than everEven a 0.25% increase can have a noticeable impact on repayments, especially for larger loan balances..wp-block-kadence-advancedheading.kt-adv-heading40176_d5022a-14, .wp-block-kadence-advancedheading.kt-adv-heading40176_d5022a-14[data-kb-block=\"kb-adv-heading40176_d5022a-14\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_d5022a-14 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_d5022a-14[data-kb-block=\"kb-adv-heading40176_d5022a-14\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_d5022a-14 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_d5022a-14[data-kb-block=\"kb-adv-heading40176_d5022a-14\"] img.kb-inline-image{width:150px;vertical-align:baseline;}For fixed\u2011rate borrowers.wp-block-kadence-advancedheading.kt-adv-heading40176_585da1-55, .wp-block-kadence-advancedheading.kt-adv-heading40176_585da1-55[data-kb-block=\"kb-adv-heading40176_585da1-55\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_585da1-55 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_585da1-55[data-kb-block=\"kb-adv-heading40176_585da1-55\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_585da1-55 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_585da1-55[data-kb-block=\"kb-adv-heading40176_585da1-55\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Many borrowers who fixed their loans in previous years are now rolling off onto much higher variable rates. In 2026, this remains one of the biggest pressure points for households..wp-block-kadence-advancedheading.kt-adv-heading40176_2c5208-45, .wp-block-kadence-advancedheading.kt-adv-heading40176_2c5208-45[data-kb-block=\"kb-adv-heading40176_2c5208-45\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_2c5208-45 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_2c5208-45[data-kb-block=\"kb-adv-heading40176_2c5208-45\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_2c5208-45 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_2c5208-45[data-kb-block=\"kb-adv-heading40176_2c5208-45\"] img.kb-inline-image{width:150px;vertical-align:baseline;}This makes reviewing your loan before your fixed period ends critical..wp-block-kadence-advancedheading.kt-adv-heading40176_5cd5bb-47, .wp-block-kadence-advancedheading.kt-adv-heading40176_5cd5bb-47[data-kb-block=\"kb-adv-heading40176_5cd5bb-47\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_5cd5bb-47 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_5cd5bb-47[data-kb-block=\"kb-adv-heading40176_5cd5bb-47\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_5cd5bb-47 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_5cd5bb-47[data-kb-block=\"kb-adv-heading40176_5cd5bb-47\"] img.kb-inline-image{width:150px;vertical-align:baseline;}&#8212;.wp-block-kadence-advancedheading.kt-adv-heading40176_3e6d00-07, .wp-block-kadence-advancedheading.kt-adv-heading40176_3e6d00-07[data-kb-block=\"kb-adv-heading40176_3e6d00-07\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_3e6d00-07 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_3e6d00-07[data-kb-block=\"kb-adv-heading40176_3e6d00-07\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_3e6d00-07 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_3e6d00-07[data-kb-block=\"kb-adv-heading40176_3e6d00-07\"] img.kb-inline-image{width:150px;vertical-align:baseline;}What About Property Buyers and Investors?.wp-block-kadence-advancedheading.kt-adv-heading40176_c8ed32-5c, .wp-block-kadence-advancedheading.kt-adv-heading40176_c8ed32-5c[data-kb-block=\"kb-adv-heading40176_c8ed32-5c\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_c8ed32-5c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_c8ed32-5c[data-kb-block=\"kb-adv-heading40176_c8ed32-5c\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_c8ed32-5c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_c8ed32-5c[data-kb-block=\"kb-adv-heading40176_c8ed32-5c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Higher interest rates don\u2019t necessarily mean property opportunities disappear&#8230;&#8230;but they do change the strategy..wp-block-kadence-advancedheading.kt-adv-heading40176_322bbc-6e, .wp-block-kadence-advancedheading.kt-adv-heading40176_322bbc-6e[data-kb-block=\"kb-adv-heading40176_322bbc-6e\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_322bbc-6e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_322bbc-6e[data-kb-block=\"kb-adv-heading40176_322bbc-6e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_322bbc-6e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_322bbc-6e[data-kb-block=\"kb-adv-heading40176_322bbc-6e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}For home buyers:Borrowing capacity may be slightly reducedCompetition can ease in some marketsNegotiating power often improves.wp-block-kadence-advancedheading.kt-adv-heading40176_1dd34d-8f, .wp-block-kadence-advancedheading.kt-adv-heading40176_1dd34d-8f[data-kb-block=\"kb-adv-heading40176_1dd34d-8f\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_1dd34d-8f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_1dd34d-8f[data-kb-block=\"kb-adv-heading40176_1dd34d-8f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_1dd34d-8f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_1dd34d-8f[data-kb-block=\"kb-adv-heading40176_1dd34d-8f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}For property investors:.wp-block-kadence-advancedheading.kt-adv-heading40176_7b05fe-28, .wp-block-kadence-advancedheading.kt-adv-heading40176_7b05fe-28[data-kb-block=\"kb-adv-heading40176_7b05fe-28\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_7b05fe-28 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_7b05fe-28[data-kb-block=\"kb-adv-heading40176_7b05fe-28\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_7b05fe-28 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_7b05fe-28[data-kb-block=\"kb-adv-heading40176_7b05fe-28\"] img.kb-inline-image{width:150px;vertical-align:baseline;}For investors with a solid asset base, structure and long\u2011term planning matter more than short\u2011term rate movements..wp-block-kadence-advancedheading.kt-adv-heading40176_f5b921-bf, .wp-block-kadence-advancedheading.kt-adv-heading40176_f5b921-bf[data-kb-block=\"kb-adv-heading40176_f5b921-bf\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_f5b921-bf mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_f5b921-bf[data-kb-block=\"kb-adv-heading40176_f5b921-bf\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_f5b921-bf img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_f5b921-bf[data-kb-block=\"kb-adv-heading40176_f5b921-bf\"] img.kb-inline-image{width:150px;vertical-align:baseline;}&#8212;.wp-block-kadence-advancedheading.kt-adv-heading40176_2edb4c-7d, .wp-block-kadence-advancedheading.kt-adv-heading40176_2edb4c-7d[data-kb-block=\"kb-adv-heading40176_2edb4c-7d\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_2edb4c-7d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_2edb4c-7d[data-kb-block=\"kb-adv-heading40176_2edb4c-7d\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_2edb4c-7d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_2edb4c-7d[data-kb-block=\"kb-adv-heading40176_2edb4c-7d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Should You Fix or Stay Variable in 2026?.wp-block-kadence-advancedheading.kt-adv-heading40176_32873a-f5, .wp-block-kadence-advancedheading.kt-adv-heading40176_32873a-f5[data-kb-block=\"kb-adv-heading40176_32873a-f5\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_32873a-f5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_32873a-f5[data-kb-block=\"kb-adv-heading40176_32873a-f5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_32873a-f5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_32873a-f5[data-kb-block=\"kb-adv-heading40176_32873a-f5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}In 2026, many borrowers are considering:Split loans (part fixed, part variable)Variable loans with offset accounts to reduce interestShorter fixed terms to retain flexibility.wp-block-kadence-advancedheading.kt-adv-heading40176_d15e37-9b, .wp-block-kadence-advancedheading.kt-adv-heading40176_d15e37-9b[data-kb-block=\"kb-adv-heading40176_d15e37-9b\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_d15e37-9b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_d15e37-9b[data-kb-block=\"kb-adv-heading40176_d15e37-9b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_d15e37-9b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_d15e37-9b[data-kb-block=\"kb-adv-heading40176_d15e37-9b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}The right choice depends on your income, risk tolerance, investment plans, and time horizon..wp-block-kadence-advancedheading.kt-adv-heading40176_138833-a0, .wp-block-kadence-advancedheading.kt-adv-heading40176_138833-a0[data-kb-block=\"kb-adv-heading40176_138833-a0\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_138833-a0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_138833-a0[data-kb-block=\"kb-adv-heading40176_138833-a0\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_138833-a0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_138833-a0[data-kb-block=\"kb-adv-heading40176_138833-a0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}&#8212;.wp-block-kadence-advancedheading.kt-adv-heading40176_9b6432-96, .wp-block-kadence-advancedheading.kt-adv-heading40176_9b6432-96[data-kb-block=\"kb-adv-heading40176_9b6432-96\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_9b6432-96 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_9b6432-96[data-kb-block=\"kb-adv-heading40176_9b6432-96\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_9b6432-96 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_9b6432-96[data-kb-block=\"kb-adv-heading40176_9b6432-96\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Why 2026 Is a Smart Time to Review and Refinance Your Home Loan.wp-block-kadence-advancedheading.kt-adv-heading40176_a50e70-b4, .wp-block-kadence-advancedheading.kt-adv-heading40176_a50e70-b4[data-kb-block=\"kb-adv-heading40176_a50e70-b4\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_a50e70-b4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_a50e70-b4[data-kb-block=\"kb-adv-heading40176_a50e70-b4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_a50e70-b4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_a50e70-b4[data-kb-block=\"kb-adv-heading40176_a50e70-b4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Many borrowers assume refinancing is only worth doing when rates are falling. In reality, 2026 is one of the most important times to review your loan, especially with uncertainty around further rate increases..wp-block-kadence-advancedheading.kt-adv-heading40176_59c718-31, .wp-block-kadence-advancedheading.kt-adv-heading40176_59c718-31[data-kb-block=\"kb-adv-heading40176_59c718-31\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_59c718-31 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_59c718-31[data-kb-block=\"kb-adv-heading40176_59c718-31\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_59c718-31 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_59c718-31[data-kb-block=\"kb-adv-heading40176_59c718-31\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Here\u2019s why refinancing makes sense right now:Loyalty tax is real \u2013 Many lenders reserve their sharpest rates for new customers, not existing ones.Your loan may no longer suit your situation \u2013 Income, equity, property value, and goals change over time.Small rate differences add up \u2013 Even a 0.20\u20130.40% improvement can save thousands over the life of a loan.Better structures are available \u2013 Offset accounts, redraw flexibility, and split-loan strategies can significantly reduce interest paid..wp-block-kadence-advancedheading.kt-adv-heading40176_959a6b-2e, .wp-block-kadence-advancedheading.kt-adv-heading40176_959a6b-2e[data-kb-block=\"kb-adv-heading40176_959a6b-2e\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_959a6b-2e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_959a6b-2e[data-kb-block=\"kb-adv-heading40176_959a6b-2e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_959a6b-2e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_959a6b-2e[data-kb-block=\"kb-adv-heading40176_959a6b-2e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}If you haven\u2019t reviewed your loan in the last 12\u201324 months, there\u2019s a strong chance you\u2019re paying more than you need to..wp-block-kadence-advancedheading.kt-adv-heading40176_1b5454-0e, .wp-block-kadence-advancedheading.kt-adv-heading40176_1b5454-0e[data-kb-block=\"kb-adv-heading40176_1b5454-0e\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_1b5454-0e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_1b5454-0e[data-kb-block=\"kb-adv-heading40176_1b5454-0e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_1b5454-0e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_1b5454-0e[data-kb-block=\"kb-adv-heading40176_1b5454-0e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}&#8212;.wp-block-kadence-advancedheading.kt-adv-heading40176_9f5ae5-d0, .wp-block-kadence-advancedheading.kt-adv-heading40176_9f5ae5-d0[data-kb-block=\"kb-adv-heading40176_9f5ae5-d0\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_9f5ae5-d0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_9f5ae5-d0[data-kb-block=\"kb-adv-heading40176_9f5ae5-d0\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_9f5ae5-d0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_9f5ae5-d0[data-kb-block=\"kb-adv-heading40176_9f5ae5-d0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Signs It Might Be Time to Refinance in 2026.wp-block-kadence-advancedheading.kt-adv-heading40176_483ee0-3d, .wp-block-kadence-advancedheading.kt-adv-heading40176_483ee0-3d[data-kb-block=\"kb-adv-heading40176_483ee0-3d\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_483ee0-3d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_483ee0-3d[data-kb-block=\"kb-adv-heading40176_483ee0-3d\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_483ee0-3d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_483ee0-3d[data-kb-block=\"kb-adv-heading40176_483ee0-3d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}You should consider refinancing if:Your rate has crept up without explanationYou\u2019re coming off a fixed rate onto a high variable rateYou\u2019ve built equity and want to restructure your loanYou\u2019re planning to buy, invest, or consolidate debtYour cash flow feels tighter than it should.wp-block-kadence-advancedheading.kt-adv-heading40176_b34f15-45, .wp-block-kadence-advancedheading.kt-adv-heading40176_b34f15-45[data-kb-block=\"kb-adv-heading40176_b34f15-45\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_b34f15-45 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_b34f15-45[data-kb-block=\"kb-adv-heading40176_b34f15-45\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_b34f15-45 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_b34f15-45[data-kb-block=\"kb-adv-heading40176_b34f15-45\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Refinancing isn\u2019t just about chasing the lowest rate \u2014 it\u2019s about making sure your loan works with your broader property and financial strategy.wp-block-kadence-advancedheading.kt-adv-heading40176_5eead6-a8, .wp-block-kadence-advancedheading.kt-adv-heading40176_5eead6-a8[data-kb-block=\"kb-adv-heading40176_5eead6-a8\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_5eead6-a8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_5eead6-a8[data-kb-block=\"kb-adv-heading40176_5eead6-a8\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_5eead6-a8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_5eead6-a8[data-kb-block=\"kb-adv-heading40176_5eead6-a8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}&#8212;.wp-block-kadence-advancedheading.kt-adv-heading40176_50798c-7d, .wp-block-kadence-advancedheading.kt-adv-heading40176_50798c-7d[data-kb-block=\"kb-adv-heading40176_50798c-7d\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_50798c-7d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_50798c-7d[data-kb-block=\"kb-adv-heading40176_50798c-7d\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_50798c-7d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_50798c-7d[data-kb-block=\"kb-adv-heading40176_50798c-7d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Final Thoughts: What to Do Next.wp-block-kadence-advancedheading.kt-adv-heading40176_b8ba59-64, .wp-block-kadence-advancedheading.kt-adv-heading40176_b8ba59-64[data-kb-block=\"kb-adv-heading40176_b8ba59-64\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_b8ba59-64 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_b8ba59-64[data-kb-block=\"kb-adv-heading40176_b8ba59-64\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_b8ba59-64 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_b8ba59-64[data-kb-block=\"kb-adv-heading40176_b8ba59-64\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Mortgage Planning Matters More Than Rate Guessing.wp-block-kadence-advancedheading.kt-adv-heading40176_10c320-e6, .wp-block-kadence-advancedheading.kt-adv-heading40176_10c320-e6[data-kb-block=\"kb-adv-heading40176_10c320-e6\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_10c320-e6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_10c320-e6[data-kb-block=\"kb-adv-heading40176_10c320-e6\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_10c320-e6 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_10c320-e6[data-kb-block=\"kb-adv-heading40176_10c320-e6\"] img.kb-inline-image{width:150px;vertical-align:baseline;}While further interest rate increases in Australia are possible in 2026, the general expectation is that we are closer to the top of the cycle than the beginning..wp-block-kadence-advancedheading.kt-adv-heading40176_919eb1-ae, .wp-block-kadence-advancedheading.kt-adv-heading40176_919eb1-ae[data-kb-block=\"kb-adv-heading40176_919eb1-ae\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_919eb1-ae mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_919eb1-ae[data-kb-block=\"kb-adv-heading40176_919eb1-ae\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_919eb1-ae img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_919eb1-ae[data-kb-block=\"kb-adv-heading40176_919eb1-ae\"] img.kb-inline-image{width:150px;vertical-align:baseline;}The bigger risk for most borrowers isn\u2019t guessing the next rate move it\u2019s:Being on the wrong loanPaying a loyalty taxNot reviewing your structure as conditions change.wp-block-kadence-advancedheading.kt-adv-heading40176_c1bc7a-ba, .wp-block-kadence-advancedheading.kt-adv-heading40176_c1bc7a-ba[data-kb-block=\"kb-adv-heading40176_c1bc7a-ba\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_c1bc7a-ba mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_c1bc7a-ba[data-kb-block=\"kb-adv-heading40176_c1bc7a-ba\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_c1bc7a-ba img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_c1bc7a-ba[data-kb-block=\"kb-adv-heading40176_c1bc7a-ba\"] img.kb-inline-image{width:150px;vertical-align:baseline;}At  Truth Group, I help clients with mortgage planning and refinancing strategies designed to improve cash flow and support long-term property goals&#8230;.whether you\u2019re an owner\u2011occupier or a property investor..wp-block-kadence-advancedheading.kt-adv-heading40176_bdc284-0e, .wp-block-kadence-advancedheading.kt-adv-heading40176_bdc284-0e[data-kb-block=\"kb-adv-heading40176_bdc284-0e\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_bdc284-0e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_bdc284-0e[data-kb-block=\"kb-adv-heading40176_bdc284-0e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_bdc284-0e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_bdc284-0e[data-kb-block=\"kb-adv-heading40176_bdc284-0e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}If you\u2019re searching for a mortgage broker near me or buyers agent and want a clear answer on whether refinancing makes sense for you in 2026, a structured loan review can often uncover savings and better options..wp-block-kadence-advancedheading.kt-adv-heading40176_f9a2e9-2e, .wp-block-kadence-advancedheading.kt-adv-heading40176_f9a2e9-2e[data-kb-block=\"kb-adv-heading40176_f9a2e9-2e\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_f9a2e9-2e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_f9a2e9-2e[data-kb-block=\"kb-adv-heading40176_f9a2e9-2e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_f9a2e9-2e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_f9a2e9-2e[data-kb-block=\"kb-adv-heading40176_f9a2e9-2e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}If you\u2019re unsure how potential rate changes could affect you in 2026, getting clarity now can save you significant money over the long term..wp-block-kadence-advancedbtn.kb-btns40176_1e03de-53{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns40176_1e03de-53 .kt-button{font-weight:normal;font-style:normal;}.kt-btns40176_1e03de-53 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns40176_1e03de-53 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns40176_1e03de-53 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns40176_1e03de-53 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns40176_1e03de-53 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns40176_1e03de-53 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns40176_1e03de-53 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}.wp-block-kadence-advancedbtn .kb-btn40176_fe82a7-7f.kb-button, ul.menu .wp-block-kadence-advancedbtn .kb-btn40176_fe82a7-7f.kb-button{width:270px;}.wp-block-kadence-advancedbtn .kb-btn40176_fe82a7-7f.kb-button{color:#042335;background:#f4c949;border-top-color:#ffffff;border-top-style:solid;border-right-color:#ffffff;border-right-style:solid;border-bottom-color:#ffffff;border-bottom-style:solid;border-left-color:#ffffff;border-left-style:solid;}.wp-block-kadence-advancedbtn .kb-btn40176_fe82a7-7f.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn40176_fe82a7-7f.kb-button:focus{color:#042335;background:#f4c949;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn40176_fe82a7-7f.kb-button{border-top-color:#ffffff;border-top-style:solid;border-right-color:#ffffff;border-right-style:solid;border-bottom-color:#ffffff;border-bottom-style:solid;border-left-color:#ffffff;border-left-style:solid;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn40176_fe82a7-7f.kb-button{border-top-color:#ffffff;border-top-style:solid;border-right-color:#ffffff;border-right-style:solid;border-bottom-color:#ffffff;border-bottom-style:solid;border-left-color:#ffffff;border-left-style:solid;}}Refinance today.wp-block-kadence-advancedheading.kt-adv-heading40176_db48da-7a, .wp-block-kadence-advancedheading.kt-adv-heading40176_db48da-7a[data-kb-block=\"kb-adv-heading40176_db48da-7a\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_db48da-7a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_db48da-7a[data-kb-block=\"kb-adv-heading40176_db48da-7a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_db48da-7a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_db48da-7a[data-kb-block=\"kb-adv-heading40176_db48da-7a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}&#8212;.wp-block-kadence-advancedheading.kt-adv-heading40176_ae6412-b5, .wp-block-kadence-advancedheading.kt-adv-heading40176_ae6412-b5[data-kb-block=\"kb-adv-heading40176_ae6412-b5\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading40176_ae6412-b5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading40176_ae6412-b5[data-kb-block=\"kb-adv-heading40176_ae6412-b5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading40176_ae6412-b5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading40176_ae6412-b5[data-kb-block=\"kb-adv-heading40176_ae6412-b5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}This article is general information only and does not constitute financial advice.Share this:\t\t\t\tEmail a link to a friend (Opens in new window)\t\t\t\tEmail\t\t\t\t\t\t\tShare on Facebook (Opens in new window)\t\t\t\tFacebook\t\t\t\t\t\t\tShare on LinkedIn (Opens in new window)\t\t\t\tLinkedIn\t\t\t\t\t\t\tShare on Pinterest (Opens in new window)\t\t\t\tPinterest\t\t\t\t\t\t\tShare on Mastodon (Opens in new window)\t\t\t\tMastodon\t\t\t\t\t\t\tPrint (Opens in new window)\t\t\t\tPrint\t\t\t\t\t\t\tShare on Reddit (Opens in new window)\t\t\t\tReddit\t\t\t\t\t\t\tShare on X (Opens in new window)\t\t\t\tX\t\t\t\t\t\t\tShare on Tumblr (Opens in new window)\t\t\t\tTumblr\t\t\t\t\t\t\tShare on Telegram (Opens in new window)\t\t\t\tTelegram\t\t\t\t\t\t\tShare on Threads (Opens in new window)\t\t\t\tThreads\t\t\t\t\t\t\tShare on WhatsApp (Opens in new window)\t\t\t\tWhatsApp\t\t\t\t\t\t\tShare on Nextdoor (Opens in new window)\t\t\t\tNextdoor\t\t\t\t\t\t\tShare on X (Opens in new window)\t\t\t\tX\t\t\t\t\t\t\tShare on Bluesky (Opens in new window)\t\t\t\tBluesky\t\t\t"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"2026","item":"https:\/\/truthgroup.com.au\/2026\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"02","item":"https:\/\/truthgroup.com.au\/2026\/\/02\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"12","item":"https:\/\/truthgroup.com.au\/2026\/\/02\/\/12\/#breadcrumbitem"},{"@type":"ListItem","position":4,"name":"Are Interest Rates in Australia Going to Increase More in 2026?","item":"https:\/\/truthgroup.com.au\/2026\/02\/12\/are-interest-rates-in-australia-going-to-increase-more-in-2026\/#breadcrumbitem"}]}]