Interest rates news and advice

All the latest news on interest rates in Australia.

Money moves 28 nov 2025

Mozo Money Moves: Inflation climbs, borrowing caps tightened, first home buyer restrictions, and a hack to save $100k on your home loan

This week in Australian finance was dominated by regulatory intervention and stubborn inflation data. Australia's financial safety regulator took action to pre-emptively cap the growth of riskier mortgages, a move swiftly echoed by Australia’s largest bank in its treatment of complex trust lending. Meanwhile, official October inflation figures surprised the market by increasing more than expected, largely driven by soaring housing and electricity costs, confirming that the prospect of a Christmas interest rate cut is now firmly off the table. As consumers head into the Black Friday sales weekend, forecasts suggest a shift toward intentional, value-driven spending, while Mozo provides critical data on how homeowners can save over $100,000 by slightly adjusting their repayment frequency and amounts.

Money moves 21 nov 2025

Mozo Money Moves: rate cuts ruled out, deposits blow out, savings fall short, and energy winners

This week, shifting monetary expectations, surging housing credit, and rising cost-of-living pressures shaped the national conversation. Two of the Big Four banks have now ruled out further Reserve Bank of Australia (RBA) cash rate cuts in this cycle, entrenching the ‘higher for longer’ narrative and prolonging the pain for mortgage holders banking on relief in 2026. At the same time, new analysis of home loan deposit requirements shows just how far out of reach the market has moved for single first-home buyers.

Money moves 07 nov 2025

Mozo Money Moves: No more rate cuts in 2025, mortgage stress mounts in NSW, holiday borrowing, and a pre-Christmas cash crunch

Australia’s cost-of-living squeeze is showing no sign of easing. This week, the Reserve Bank of Australia (RBA) held the official cash rate steady. For households already stretched thin, the decision offered little relief. Mortgage stress has surged to record highs, household spending remains sluggish, and a growing number of Aussies are dipping into their savings to combat fiscal pressures.

Money moves 17 oct 2025

Mozo Money Moves: Unemployment rate jumps, rate cut buzz builds, ATO tax deadline looms, and business term deposit picks

Welcome to Mozo Money Moves, your weekly round-up of what’s moving money and shaping financial decisions. The Reserve Bank of Australia’s (RBA) cautious stance on interest rates remains the key focus for the market, but an unexpected jump in the unemployment rate this week has given rate cut expectations a new lease on life. We also cover a final warning from the ATO ahead of the October 31 tax deadline, plus the latest Mozo insights on home loans, superannuation, and locking in business term deposit rates.

Money moves 10 oct 2025

Mozo Money Moves: ANZ reconsidering loan scheme, Westpac toughens savings rules, and pressure easing in competitive rental market

Welcome to Mozo Money Moves, your weekly round-up of what’s moving your money and shaping your financial decisions. The wait for rate relief has been officially called off by the majority of the major banks this week, forcing mortgage holders to confront the reality of unchanging repayments stretching into 2026 – unless they negotiate or refinance. ANZ solidified the new consensus by joining its rivals in pushing out rate cut predictions, while Westpac has drastically amended its bonus savings requirements – rewarding commitment but demanding significantly more effort from its customers.

Money moves 03 oct 2025

Mozo Money Moves: RBA holds firm, Westpac shakes up home loans, Mozo banking roundup and the expanded 5% deposit scheme lands

Welcome to Mozo Money Moves, where we break down the week’s most interesting and relevant finance news and research. While the widely expected move to hold the cash rate has provided a moment of calm, it's also set the scene for a tense November meeting. Meanwhile, there’s plenty more happening in the market, with a major bank shaking up the home loan space, our banking roundup and a new government scheme kicking off that's set to change the game for first home buyers. Read on for all the latest financial happenings.

Money moves 26 sep 2025

Mozo Money Moves: RBA likely to hold, personal loans showdown, super's big gains, and 2025’s award-winning insurers

Welcome to this week's Mozo Money Moves, where we break down the key shifts in finance and banking. Inflation is on the rise again, reshaping expectations around potential RBA rate cuts, with a pause now looking likely ahead of next week’s cash rate call. In personal loans, we compare the Commonwealth Bank and OurMoneyMarket to see who comes out on top. We also highlight the lowest fixed home loan rates currently available on Mozo’s database, as smaller lenders edge ahead of the Big Four. Plus, we reveal the winners of the 2025 Mozo Experts Choice Awards for insurance and the latest superannuation performance results.

Money moves 19 sep 2025

Mozo Money Moves: A sub-5% fixed rate from CBA, LVR as a bargaining chip, Big Four savings changes, and the RBA's next move

Welcome to Mozo Money Moves, your weekly round-up of what’s moving your money and shaping your financial decisions. This week, we're unpacking the latest moves from Australia's largest bank, Commonwealth Bank, which has joined the growing list of lenders offering a fixed rate home loan below 5%. We'll also cover the latest statistics to understand what LVR means for your home loan, a look at what the RBA is watching as its next meeting approaches, and how the "Bank of Mum and Dad" can help kids studying overseas. Plus, we've updated one of our banking guides and have insights into the latest savings, term deposit and home loan rates.