Rate Watch
February 2025: RBA starts the easing cycle with a 25bp cut
The first cut of the cycle moved the cash rate to 4.10% and changed borrower psychology immediately.
28/02/2025 • Chorus Finance
February 2025 rate watch: The policy rate moved down by 0.25 percentage points to 4.10%.
The RBA lowered the cash rate target to 4.10%, opening the easing phase and improving confidence across refinance and buyer segments.
Bank commentary noted this as the first move in a potential easing sequence, with debate around total cuts for the year.
Broker takeaway: Cut cycles still need strategy. Structure improvements matter, not only headline repayment relief.
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 →