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After two years of rising interest rates, relief is finally on the horizon — and Australia’s Big Four banks all agree: the next move is down. With the Reserve Bank of Australia expected to begin easing monetary policy in early 2025, we’re entering a window of opportunity that could deliver significant financial upside for both homeowners and business operators.
Forecasts from CBA, Westpac, NAB and ANZ point to a series of cash rate cuts throughout 2025 and into 2026, with some projecting a drop to as low as 2.6%. That shift could mean thousands in annual savings, enhanced borrowing capacity, and an ideal chance to restructure your debt — but only for those who act ahead of the curve. Timing is everything, and waiting until rates drop could mean missing out on the best refinancing opportunities as lenders get overwhelmed.
These are not outlier views — this is the market consensus, and the window to act before rates fall is narrowing.
Falling rates don’t just reduce repayments — they reshape financial capacity and unlock growth options.
We’re ready to support anyone looking to:
We’re across the rate forecasts, the lender offers, and the best ways to time your finance decision to get maximum value — whether you’re planning to save, expand, or invest contact our Lending Solutions experts today.
Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.
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