The RBA Rates on Hold for July

So What Can You Do?

This month, the Reserve Bank of Australia held the cash rate steady at 3.85%, despite growing pressure to deliver more relief to Australian households.

This month’s decision was split — 6 members voted to hold, while 3 pushed for a rate cut. You can read more about what was behind this decision HERE

While inflation continues to ease, the RBA said it’s waiting for more evidence that inflation is falling sustainably before making further moves. Unfortunately, that doesn’t help households right now who are feeling the squeeze.  

But here’s the thing: you don’t need to sit and wait for the RBA — or your lender — to act.

You May Have More Control Over Your Finances Than You Think

If the RBA had cut the rate by 0.25% today, and your lender passed it on in full, the average borrower with a $500,000 loan might have saved around $1,250 per year — or just $104 per month.

That’s hardly life-changing.  Can you give yourself a rate Cut?

At WhiteStar Finance & Conveyancing, our mortgage brokers and behind-the-scenes team are helping clients unlock far greater savings or improved cashflow — often 10x more than what a small rate cut would deliver — through home loan reviews, debt consolidation, and smart restructuring.

Case Study: Saving $1,400/Month Through Refinance

Take our recent   Client Case Study #19:

This client returned to WhiteStar after purchasing their home with us a few years ago. Their situation included:

  • A home loan still on a higher interest rate

  • Several personal loans and credit cards

  • Two novated lease payments

  • A desire to access cash and reduce financial pressure

We refinanced their loan, consolidated their debts, and extended the loan term to improve monthly cash flow.

✅ The Results:

  • Interest rate reduced by 1.25%

  • Monthly repayments dropped from $3,415 to approx. $2,000

  • That’s a saving of $1,400 per month

And this isn’t a one-off — our team finds real, tailored solutions like this every single month.

Take the First Step — You Might Be Closer Than You Think

You don’t need to have it all figured out.
You don’t need to feel confident, ready, or even certain there’s a better option.

You just need to ask.

At worst? You’ll walk away with peace of mind and a plan for the future.
At best? You could save hundreds a month, reduce financial pressure, and open the door to opportunities you didn’t think were possible.

Don’t wait for your lender to change your future.
Take control and find out what’s possible today — with zero pressure and complete clarity.

Now is also the perfect time to:

  • Reassess expiring interest-only loans — don’t wait until the last minute

  • Tackle ATO debt before it becomes more costly, especially with new ATO rules and penalties.

  • Simply take control of your finances and future


Give us a call 1300 652 842 , jump on live chat, or send an email .

Or if you’d prefer to start with a bit more info, you can also Download our Free  Refinance Guide to see what’s involved and what to watch out for.

We’re here to help when you’re ready.

WhiteStar Mortgage Brokers