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Many borrowers are asking the same urgent question: Will Interest Rates in Australia go up in 2026? With the Reserve Bank of Australia holding the cash rate at 3.85% (February 2026), uncertainty remains around what will happen next. For homeowners and investors in Perth, this isn’t just an economic headline — it directly impacts repayments, borrowing power, and refinancing decisions.
Instead of focusing purely on predictions, experienced mortgage brokers are shifting the conversation toward strategy. Whether Will Interest Rates in Australia will go up in 2026 or stabilise, the smarter approach is building a loan structure that performs under both scenarios. At Strawberry Finance, we guide clients through fixed vs variable decisions, split-loan hedging strategies, and refinance timing considerations tailored to Perth conditions.
If you are feeling uncertain about what will happen to mortgage rates in 2026, this guide explains what brokers are really advising clients right now.
The Reserve Bank of Australia has held the official cash rate at 3.85%, but that does not guarantee stability.
When analysing whether Will Interest Rates in Australia will go up in 2026, brokers look at:
• Inflation trends
• Employment data
• Global economic shifts
• Bank funding costs
• Property demand in cities like Perth
A “rate hold” does not remove volatility. Banks can still adjust mortgage pricing independently.
The concern is understandable.
If rates rise:
If rates fall:
This is why instead of predicting whether Will Interest Rates in Australia will go up in 2026, mortgage broker advice on interest rates focuses on risk management.
The common dilemma is:
Should I fix my mortgage rate in 2026 Perth?
Rather than guessing whether Will Interest Rates in Australia will go up in 2026, many Perth borrowers are adopting a balanced approach.
One of the best mortgage strategies during rising interest rates is a split loan:
50% Fixed
50% Variable
This structure:
When clients ask whether Will Interest Rates in Australia will go up in 2026, this strategy provides protection without betting on one outcome.
Refinancing decisions should not rely solely on predictions about whether Will Interest Rates in Australia will go up in 2026.
You may consider refinancing if:
Sometimes refinancing is about structure — not just chasing a lower rate.
A Perth client approached Strawberry Finance, concerned about whether interest rates in Australia will go up in 2026.
Loan: $820,000
100% variable
High anxiety about further increases
We structured:
Result:
Greater repayment stability
Reduced financial stress
Improved long-term flexibility
This is how broker-led strategy reduces uncertainty.
Banks sell products.
Brokers design structures.
When clients ask whether Will Interest Rates in Australia will go up in 2026, we assess:
Strategic modelling beats speculation.
If rates increase:
Whether Will Interest Rates in Australia will go up in 2026 or stabilise, resilience is the key objective.
No one can predict with certainty. The RBA has held rates at 4.35%, but inflation and economic conditions could influence future movements.
Fixing may provide certainty, but many borrowers prefer split strategies to balance protection and flexibility.
Mortgage rates depend on RBA decisions, bank funding costs, and market conditions. Rate holds do not always prevent lender repricing.
Refinancing can improve structure and flexibility even without rate cuts. It’s about strategy, not timing the market.
Diversification through split loans, offset buffers, and flexible repayment structures reduces exposure to volatility.
Fixed mortgage rates may rise or fall independently of RBA decisions because lenders also price fixed rates based on funding costs and market expectations. Many borrowers are reviewing split-loan strategies to manage uncertainty in 2026
Possibly. If rates rise, refinancing early may help secure a sharper variable rate, restructure repayments, or add features like offset accounts to improve resilience. A mortgage review can help stress-test your loan before future RBA changes.
If you’re wondering whether Will Interest Rates in Australia will go up in 2026 and how it affects your home loan, speak with Strawberry Finance today and build a strategy designed for stability.
Note: This article is intended to provide general information only. It does not take into account the financial situation, objectives, or needs of any individual reader and must not be relied upon as financial product or credit advice. While every effort has been made to ensure the accuracy of the information provided, some details may change over time or may not always reflect the most current market conditions. Readers should consider seeking independent financial or professional advice before making any financial decisions based on this information.
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