Australia’s top economists are deeply divided on where interest rates are heading next, signalling a period of uncertainty for home buyers, investors and mortgage holders. 
Key Highlights:
All 35 economists surveyed expect the cash rate to remain unchanged heading into late 2025. But beyond that, opinions split sharply — 29% predict a rate hike, 29% forecast a rate cut, and the rest expect no movement. With no clear consensus, the market is bracing for a potentially unpredictable interest-rate environment in 2026. What This Means: Home Buyers & First-Timers: Borrowing power may shift next year. Securing pre-approval and checking affordability early can keep you ahead of rate volatility. Existing Mortgage Holders: Now is the time to review your loan strategy. A homeowner with a $600K mortgage could save over $4,000 per year by exploring competitive fixed-rate options if rates stay steady. Investors: Mixed rate forecasts can open opportunities in stable, high-demand rental markets. Being proactive with finance strategies is key.
In times of split expert opinion and rate uncertainty, preparation and guidance matter more than ever. Whether buying, refinancing or investing, having a clear plan gives you the advantage.
