The cash rate is currently 3.85% and, if forecasts are correct, could rise to around 4.10% mid-year. 

A cash rate rise simply means the RBA is “tapping the brakes” to slow spending and ease inflation. Inflation is currently 3.8%, while the RBA aims to keep it within a 2%–3% target range, which is considered a healthy rate for the economy.

Refinancing is one of those things most home owners know they should look at… but often put off.

It can feel like a hassle. Paperwork. Bank follow-ups. Confusing terms. And the fear that you’ll go through the process only to find out it wasn’t worth it.