Why did the RBA keep interest rates at 3.6%?

The RBA held the cash rate steady because inflation has risen again and remains above the 2–3% target range. The central bank wants to ensure inflation doesn’t accelerate before considering further cuts.

Will mortgage holders get any relief soon?

Not immediately. With rates remaining at 3.6%, mortgage repayments stay high. Economists say relief is unlikely before mid-2026, and some even warn the next move could be a hike if inflation keeps rising.

When is the next RBA meeting?

The next RBA monetary policy meeting is scheduled for February 2–3, 2026 , where the board will review updated inflation and economic data.

Could interest rates rise again in 2026?

Yes. Financial markets are now pricing in an increased chance of a rate hike in 2026 because inflation is proving more persistent than expected.

How does the RBA’s decision affect everyday Australians?

The hold means: -High home-loan repayments continue -Cost-of-living pressure stays elevated -Borrowing remains expensive Household budgets face ongoing stress, especially for variable-rate mortgage holders

Global Market Insights

RBA Interest Rates: Central Bank’s New Decision Hits Mortgage Holders Hard

ByRubaisha December 9, 2025December 9, 2025

The RBA Interest Rates decision on December 9, 2025, has created a fresh wave of concern for mortgage holders across Australia. In its final monetary policy meeting of the year, the Reserve Bank of Australia (RBA) chose to keep interest rates steady at 3.6 percent, rather than cutting them as many homeowners had hoped.