Market Update
January 2025 Mortgage & Property Update: Cash Rate 4.35%
January opened with rates still restrictive, but markets increasingly focused on the start of easing.
31/01/2025 • Chorus Finance
January 2025 rate watch: The policy rate held at 4.35% for this month.
Major bank economics teams discussed timing for cuts while borrowers asked how quickly repayments could improve.
Large bank economics teams broadly moved to a base case that easing would begin in 2025, while timing differences remained.
Broker takeaway: Preparing now means you can act when policy shifts.
Source: Reserve Bank of Australia cash rate target, as at the end of the month.
This article is general information only and does not constitute personal financial advice.
About the author
Chorus Finance
Chorus Finance is a Brisbane mortgage broking practice. The founder holds an MBA in Finance and has worked in mortgage broking since 2020. The practice helps Brisbane borrowers, including first home buyers, refinancers, and people with self-employed income, understand their home-loan options.
More about Chorus Finance →