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The Reserve Bank of Australia has handed down its first interest rate decision for 2026. As expected, borrowers across Australia are asking the same question: What does this mean for my mortgage, and should I be doing something now? Whether the RBA held rates steady or adjusted them today, one thing remains true: your lender’s rate does not always move in line with the RBA. This is where many borrowers unknowingly overpay. Why the RBA Decision Still Matters Even If Your Rate