RBA Holds Cash Rate at 3.60% | November 2025 Property Market Update
The Reserve Bank of Australia (RBA) has opted to hold the cash rate steady at 3.60% this Melbourne Cup Day, taking a cautious stance in response to stubbornly high inflation and a softening labour market.
➡️ Read the full RBA statement on the official website.
Cash rate holds at 3.60%
Australia’s hotter-than-expected inflation figures had many mortgage holders on edge about the RBA’s next move. For now, the central bank has chosen to keep rates on hold — signalling patience as earlier rate cuts continue to filter through the economy.
According to the Australian Bureau of Statistics, the Consumer Price Index (CPI) rose 3.2% over the year to September, with the biggest contributors being:
🏠 Housing: +2.5%
🎟️ Recreation & culture: +1.9%
🚗 Transport: +1.2%
The RBA’s preferred inflation measure — the trimmed mean — also climbed to 3.0% in the September quarter, brushing up against the top of its 2–3% target range.
At the same time, the unemployment rate rose to 4.5% (up from 4.3% in August) — the highest level since late 2021. With inflation still sticky but the labour market showing signs of cooling, the RBA has adopted a ‘wait and see’ approach.
What this means for homeowners
While the cash rate remains unchanged, lenders may still adjust their interest rates — making it a good time to review your loan.
If you’re wondering whether your lender has passed on recent changes, or you want to ensure your home loan remains competitive, it’s worth booking a home loan review.
At Haus of Loans, your trusted mortgage broker in Wollongong and the Illawarra, we can help you:
✅ Compare your rate against other lenders
✅ Identify potential savings
✅ Review loan features like offset and redraw options
✅ Explore refinancing if you’ve been with the same lender for a while
Even a small rate adjustment can make a meaningful difference over time.
The next RBA cash rate decision will be announced on 9 December 2025.
Property Market Snapshot – November 2025
Nationally, the housing market remains resilient, with steady demand and low stock levels continuing to push property values higher.
Ready to review your home loan?
If you’d like to understand how this RBA announcement impacts your repayments or explore better lending options, we’re here to help.
📞 Get in touch today for a no-obligation loan review and ensure your mortgage is still working for you.