July 2025 Mortgage & Property Update: Cash Rate 3.85%

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.

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