February 2025: RBA starts the easing cycle with a 25bp cut

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. We focused clients on structure improvements, not just waiting for headline repayment relief.

This article is general information only and does not constitute personal financial advice.