How they reduce home loan interest and when to use them

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The interest rate outlook for borrowers in 2026 has shifted from anticipated relief to significant uncertainty.

Late last year, markets expected the cash rate to fall to 3.3 per cent by the end of this year, but updated forecasts from the RBA assume increases totalling 0.6 per cent over the course of the year following the central bank’s jump to 3.85 per cent in February.

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