Market Update
January 2026 Mortgage & Property Update: Cash Rate 3.60%
January began with rates at 3.60% and mixed market views on whether easing would continue soon.
31/01/2026 • Chorus Finance
January 2026 rate watch: The policy rate held at 3.60% for this month.
Borrowers and brokers entered the year expecting data-dependent decisions, with inflation trajectory the main variable.
Broker takeaway: Plans built on both hold and rise scenarios stay decision-ready regardless of February outcomes.
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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