iscoverThe Reserve Bank has delivered its highly anticipated November interest rate decision. Accounting Home Loans breaks down what the rate call will mean for prospective home buyers.
RBA delivers November 2025 rate call
04 November 2025
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6 minute read
On Tuesday (4 November), the RBA held the cash rate steady at 3.6 per cent, aligning with market and economist expectations.
As of Monday (3 November), markets priced in a 93 per cent chance of a hold and a 7 per cent chance of a 25-basis-point cut.
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Expectations for a November rate cut plummeted in late October off the back of hotter-than-expected September quarter inflation data, which saw headline CPI back outside the RBA’s 2–3 per cent target band at 3.2 per cent.
“Today’s decision to hold the cash rate was expected given recent inflation data, however, will provide continued stability for borrowers,” Cullen Haynes, director of sales at Accounting Home Loans, said.
“The current average interest rate range is approximately 4.9 per cent to 5.6 per cent.
“Property prices are increasing nationwide, so if you’re considering purchasing a property, now is a good time to get your pre-approval in place. With three cash rate cuts in 2025, your borrowing power has likely improved, potentially expanding your options in the market.
"Having pre-approval ready ensures you can move quickly when you find the right property.
“The recently expanded Australian Government five per cent Deposit Scheme (formerly the Home Guarantee Scheme) could add more heat to the market. The program allows first home buyers to purchase with just a five per cent deposit and no LMI, with increased price caps and no income limits.
“Don’t forget, accounting professionals can access certain market advantages that can make entering the property market more attainable and realistic for the cohort. It’s best to speak to a specialist broker for accountants to gauge what’s best for you.”
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