The RBA faces a pivotal decision on February 18, 2025, with forecasts pointing to a 0.25% cash rate reduction from 4.35% to 4.10%. This would mark the first cut since the pandemic, coming as quarterly inflation sits at 2.4%. The banking sector calculations show precise dollar impacts: A $600,000 variable-rate mortgage would see $92 monthly payment reductions, provided banks pass the full cut through. The lending math gets granular – Canstar’s analysis reveals a single person on $100,292 annual income could access $12,000 more in borrowing capacity at 4.10%. For dual-income households, that lending power expands by $23,000. “We’re acutely … Continue reading RBA’s 0.25% Rate Cut: Impact on Mortgages, Borrowing, and Property Prices