The RBA Rate Rise: What It Means for Your Clients, and How You Can Help
On 29 September 2026, the Reserve Bank raised the cash rate by 0.25% to 4.60%. It was the fourth rise this year and took the cash rate to its highest level since 2011. The RBA hasn’t ruled out another rise if inflation stays high.
You’ll likely hear about this from last week’s blog. But here’s what your clients may be dealing with, and how you can help.
What your clients may be facing
- Homeowners on variable rates will see their repayments rise once lenders pass on the increase. On a $600,000 loan, that’s roughly $100 more each month.
- Fixed-rate borrowers nearing the end of their term may move onto a much higher rate than the one they had.
- Buyers and upgraders may find they can borrow less than they expected, which can affect their timing and plans.
- SMSF property investors may need to check that their fund’s cash flow can still comfortably cover higher repayments.
How you can help
You don’t need to have all the answers. If a client mentions rising repayments, a fixed rate ending soon or a purchase on hold, that’s usually a good time for a loan review.
A review could find a better rate, a better loan structure, or a clearer plan for what comes next. Clients who review their loan early generally have more options than those who wait.
We’ll look after them
Nathaniel, our Senior Broker, offers your clients a free strategy call. He’ll go through their current loan, explain what the rate rise means for them, and show them their options. There’s no pressure and no obligation.
If you have a client who could benefit, introduce them to us or send them our way. We’ll keep you updated along the way.
Book a free strategy call with Nathaniel → CLICK HERE TO BOOK