📣 RBA Holds Interest Rates Steady at 3.85% — What Now? 🏡

📣 RBA Holds Cash Rate Steady — What It Means for You
Opportunities remain strong as lenders sharpen their rates and the property market heats up.

The Reserve Bank of Australia has announced that the cash rate will remain on hold at 3.85%, giving borrowers and investors a stable window of opportunity.

While many were hoping for a cut, this decision keeps the door open for strategic moves — especially as lenders continue to offer sharp rates and limited-time deals to attract quality borrowers.

Whether you're thinking about refinancing, buying your first home, or expanding your investment portfolio, now is the time to prepare and act before competition increases.

🏡 Time to Refinance? You Could Be Paying Too Much

If it’s been more than 12–18 months since your last review, your loan could be outdated — and more expensive than it needs to be.

With lenders in fierce competition for business, you may be able to:

• Lower your monthly repayments 💸

• Shorten your loan term 🕒

• Access equity for renovations or investment 🏗️

Let’s run a free home loan health check to see how much you could save.

🔑 Planning to Buy? Pre-Approval Gives You Power

Even without a rate cut, this stable period is primed for buyers who want to move quickly. Pre-approval now gives you a head start as competition increases.

We help a range of buyers, including:

• 🏠 First Home Buyers using state government incentives

• 🏢 Investors chasing yield and long-term capital growth

• 🏡 Upgraders ready to make their next move

You don’t have to go it alone — we’ll guide you every step of the way.

📊 Market Insight: Stability = Opportunity

When rates hold steady, smart buyers and investors take advantage of predictability. But here’s the catch:

📈 Buyer activity is already rising
📋 Lenders may adjust policies to limit risk
💼 The best offers are often short-lived

Getting your application in early puts you ahead of the curve — with better access to rates and property deals.

🤔 Waiting for a Rate Cut? You Might Not Need To

We’ve heard it a lot lately: “I’m just going to wait for the next cut.”

But here’s what we’re seeing:

👉 Lenders are already offering discounted rates and cashback deals, regardless of RBA decisions.
👉 Many of our clients are getting better-than-market rates thanks to exclusive offers and smart application timing.
👉 Delaying could mean missing out — especially if competition pushes prices higher.

💡 Better Deals Are Out There — If You Know Where to Look

Here’s what’s working for our clients right now:

✅ Exclusive rate discounts from our panel of over 30 lenders
✅ Cashback offers and refinance bonuses
✅ Fast-tracked approvals with brokers who know how to position you

Working with a broker like Best Foot Forward means you’re not just comparing rates — you’re leveraging industry insight and negotiation power to get the most value.

✅ What You Can Do Now

With the cash rate on hold and lenders offering aggressive deals, now’s the time to:

✔️ Review your home loan
✔️ Secure a pre-approval before the competition rises
✔️ Get strategic advice on your borrowing capacity
✔️ Prepare for future market moves

📞 Let’s Talk

Whether you’re ready to make your move or just want to explore what’s possible, we’re here to help.

👉 Book a Chat with Shona
👉 Request a Home Loan Health Check

Best Foot Forward Mortgage Solutions
Helping professionals grow wealth through smart property finance.

📍 Brisbane & servicing all of Australia + expats globally
💼 Principal Broker: Shona Stephenson
🌐 bestff.com.au
📧 shona@bestff.com.au

The information contained is general information only and does not consider your objectives, financial situation and needs. Please talk to us if you need a fast-tracked home loan, and we can help you find a lender that has the processes in place to process the application quickly. We strongly recommend that you do not act on any information provided on this website without individual advice from your trusted advisor. You should also obtain a copy of and consider the Product Disclosure Statement for all financial products before making any decision.

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