Market Update
December 2025 Mortgage & Property Update: Cash Rate 3.60%
December closed with rates unchanged at 3.60% and a market focused on early-2026 timing.
31/12/2025 • Chorus Finance
December 2025 rate watch: The policy rate held at 3.60% for this month.
Borrowers ended the year with improved sentiment relative to 2024, but policy uncertainty still required cautious planning.
Broker takeaway: A December reset lets borrowers enter 2026 with cleaner structures and faster execution options.
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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