Cash Rate Update for December 2025

The Reserve Bank of Australia has announced that the cash rate will remain at 3.60% at this month’s meeting.

This steady approach reflects the RBA’s goal of bringing inflation under control while continuing to support strong employment and household confidence.

Here’s what the latest data is showing:

• Headline inflation has risen to 3.8% in the year to October 2025, still higher than the RBA’s target range of 2–3%.

• Underlying inflation sits at 3.3%, indicating that everyday costs are still rising across many areas of the economy.

By holding rates steady, the RBA is giving the economy a little more time to adjust before making any further moves.

With interest rates holding for now, it’s a great time to check in on your goals and ensure your finances are working for you. You might be considering:

• Buying your first home (or your next one!)

• Refinancing to improve your rate or loan features

• Using your equity to invest or renovate

Everyone’s situation is different, which is why a quick loan review can make a world of difference. If you’re curious about how today’s rate environment impacts you, reach out to our team anytime.