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Interest rates are coming down. Here’s what homeowners should know about refinancing

  • Written by Ama Samarasinghe, Lecturer, Financial Planning and Tax, RMIT University
Interest rates are coming down. Here’s what homeowners should know about refinancingdoublelee/Shutterstock

On Tuesday, the Reserve Bank of Australia cut the target cash rate by 0.25 percentage points. It now sits at 3.85% – the lowest since May 2023.

Australia’s big four banks were all quick to announce they would be passing the cuts on to borrowers. If you’ve got a mortgage, you might be wondering if this is...

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