January 2026 Mortgage & Property Update: Cash Rate 3.60%

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: We set plans using both hold and rise scenarios so clients stayed decision-ready regardless of February outcomes.

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