How a 4% Interest Rate Affects Your Home Loan and What to Expect from the November RBA Decision

The Reserve Bank of Australia held the cash rate again in November, keeping it at its current level while it continues to manage inflation. For Australian homeowners, this means mortgage rates are still sitting higher than many would like and the gap between average rates and competitive market rates is more important than ever.

Even when the RBA keeps rates steady, many lenders do not automatically reduce their home loan rates. In fact, a significant number of borrowers are still paying rates above 5.50%, simply because they haven’t reviewed their loan in the past 12 to 24 months. That difference can translate to thousands of dollars per year back into your household budget.

How Much Can a 0.8% Rate Difference Save You?

Loan type	RBA Avg (Jul 2025)	RateUnity (LVR <60%)
Owner occupied principal and interest	5.75%	4.89% (CR 5.20%)

Example

On a $1,000,000 loan, the difference between 5.75% and 4.89% provides savings of roughly $690 per month or $8,280 per year.

Our Approach at RateUnity

RateUnity negotiates sharp rates by working with a panel of lenders who support competitive pricing. This provides borrowers with:

• Access to below-market rate options

• Support in comparing lenders without pressure

• A clear recommendation on whether refinancing makes financial sense

If staying with your current lender is the best option, we’ll tell you that too.

Next steps

1. Register on the website

2. Select a time for a call back

3. Meet with me

4. Start the process to save

www.rateunity.com.au | 0403 042 642

Important information

RateUnity Pty Ltd ACN 668 166 283 | Australian Credit Licence 554016The information in this blog is general in nature and does not take into account your objectives, financial situation, or needs. Please consider whether it is appropriate for you before acting. The lowest available interest rate may not be suitable for your circumstances. Eligibility criteria, lender policy, product availability, and features may vary. Credit conditions, fees and charges may apply.

Written by Pier Culley, Founder of RateUnity