14/07/2025
RBA Holds Interest Rates at 3.85% – July Update
The Reserve Bank has paused rate hikes this month, keeping the cash rate steady at 3.85% in response to signs of a slowing economy.
What does this mean for you?
For Buyers
= Good time to check your borrowing power
= Less competition may improve your negotiation position
= Monitor market trends closely
= Still budget for possible future rate increases
For Sellers
- Rate stability can lift buyer confidence
- Focus on lifestyle appeal, not just features
- Price realistically and present your home well
- Highlight local amenities and liveability
For Renters
> No immediate rent increases expected—use this time to plan ahead
> Review your lease terms and understand your rights
> Consider saving if homeownership is a future goal
> Track rental trends for smarter timing and decisions
A steady rate gives buyers, sellers, and renters a moment to breathe, reset, and make smart property moves.