With the RBA's November 2025 meeting just around the corner, what can we expect for the official cash rate? This preview looks at the key economic factors the Reserve Bank will be considering. Learn why, regardless of the outcome, the smartest move for Gold Coast homeowners is to proactively review their own mortgage to secure a better deal.
With the Reserve Bank's October meeting delivering another hold on the official cash rate, all eyes now turn to the next decision in November. As we head towards the end of the year, what are the key economic indicators the RBA is watching, and what could it mean for your Gold Coast mortgage?
Currently, the economic data presents a mixed picture. While inflation has moderated, it remains a key focus for the RBA. At the same time, factors like consumer spending and the employment rate will be heavily scrutinised to gauge the overall health of the economy. Most economists are currently predicting that the RBA will likely maintain its cautious "wait and see" approach, with another hold being the most probable outcome for the November meeting.
However, the most important thing for any homeowner to understand is this: you don't have to be a passive spectator.
Regardless of what the RBA does next month, you have the power to take control of your own interest rate today. Lenders are still competing fiercely to win new customers, which means there are thousands of Gold Coast homeowners who are paying a "loyalty tax" on a rate that is no longer competitive.
The smartest strategy is to act on today's certainty. A proactive home loan review and refinance can lock in a competitive rate, lower your monthly repayments, and protect your household budget from any future uncertainty. Don't wait for the RBA; make your own rate cut.
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