Market Update
July 2025 Mortgage & Property Update: Cash Rate 3.85%
July was another hold month at 3.85% while policy remained data-led.
31/07/2025 • Chorus Finance
July 2025 rate watch: The policy rate held at 3.85% for this month.
Rate expectations diverged across market participants, with borrowers watching each data release more closely.
Broker takeaway: Process speed remained a differentiator. High-quality files and lender fit were still crucial in a competitive market.
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.
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