What the RBA’s Next Move Actually Costs You

The Reserve Bank meets again on 29 September, and after three rate rises already this year followed by a hold in August, this one is genuinely split. Whichever way it goes, most landlords have no idea what it actually does to their repayments in real dollars, only that it feels like it matters. Here is what it actually means, before the decision lands.

• Where things stand: the cash rate has been sitting at 4.35% since it was held in August, after three separate increases earlier in the year.
• What a 25 basis point move actually costs: the average Queensland investment loan is $713,000 (ABS Lending Indicators, June quarter 2026). A 25 basis point move on a loan that size works out to roughly $100 a month, either way.
• What the experts are actually split on: some are still expecting a hold, pointing to softening job numbers and easing inflation. Others think there’s enough momentum left for a further move on 29 September.
• What it means if you’re holding an investment loan: a rate rise doesn’t automatically mean your rent needs to jump to cover it, but it does mean the gap between your holding costs and your rent is worth checking properly, not guessing at.
• What it means if you’re about to buy: build your numbers around a rate that could move either way in the next few months, not just today’s figure.

Nobody can tell you with certainty what happens on 29 September, and anyone who claims otherwise is guessing. What you can control is knowing your own numbers before the decision, not after. If you want a proper look at what a move either way actually does to your specific holding costs, message me and we will go through it.

This is general information only, not financial, taxation or investment advice. Average loan figure sourced from the ABS Lending Indicators, June quarter 2026. Always speak with a licensed financial adviser or accountant about your specific circumstances.