The RBA Has Lifted the Cash Rate. Is Your Home Loan Still Working for You?

The Reserve Bank of Australia (RBA) has announced a 25 basis point increase to the cash rate.

For many Australians, that means higher repayments and a little extra pressure on monthly cash flow, especially at a time when the cost of living is already biting.

But a rate rise doesn’t automatically mean you’re stuck paying more than you should.

This Could Be the Perfect Time for a Financial Tidy-Up

When rates change, it’s a good opportunity to pause and ask a few simple (but important) questions:

• Is your current loan still competitive?

• Are you on a rate that reflects your situation today, not when you first took the loan out?

• Could you be freeing up cash flow with a better structure, sharper rate, or smarter loan features?

Many people stay loyal to their bank, assuming their loan will be reviewed automatically. In reality, that rarely happens and over time, you can quietly drift onto a less competitive deal.

Small Changes Can Make a Big Difference

A refinance or restructure doesn’t always mean changing banks. Sometimes it’s about:

• Consolidating debts

• Adjusting loan terms

• Reviewing fixed vs variable portions

• Accessing features that reduce interest or improve flexibility

The goal? Making your money work harder, not your stress levels.

No Obligation. Just Clear Advice.

At Broker Bros, we help everyday Australians make sense of moments like this. If your repayments have increased or your budget feels tighter, now might be the right time to take a closer look.

👉 Book a no-obligation strategy session with Nathan or Joseph

We’ll review your current position, talk through your options, and help you decide whether a tidy-up could improve your monthly cash flow.

Because when rates change, doing nothing can be the most expensive option.