While the Reserve Bank of Australia held the cash rate steady in July, some lenders have already started cutting their home loan rates.
Why? Because not all lenders move in sync. Some are reducing rates early to stay competitive and attract new customers – which means that loan you once locked in for its sharp rate might no longer be the best on the market.
But here’s the thing: switching isn’t always the answer.
✅ Your current lender might’ve quietly reduced your rate behind the scenes.
✅ A slightly higher rate could still offer better overall value if your loan structure suits your needs.
✅ A proper loan review can uncover what truly benefits you – whether that’s switching or staying.
In today’s market, knowledge is power.
Not sure if your loan still stacks up? Let’s take a look together.
📩 Message me to book your free loan review.
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