As Christmas approaches and 2025 wraps up, many Aussies are eyeing holiday spending amid a market outlook of “higher for longer” rates, with no cuts in sight.
Lenders keep tweaking pricing behind the scenes, leaving loyal borrowers on uncompetitive deals while flashing sharp offers to new customers.
You can turn the tide by reviewing and refinancing now to unlock savings that feel like a festive bonus for your family budget.
Year-end market outlook
The cash rate holds steady with potential rises ahead, so banking on RBA relief is risky heading into 2026.
Banks adjust fixed and variable rates independently, meaning your loan could quietly cost more even as the year ends.
Festive action plan for consumers
Review before the holidays: Check your rate, fees and features to spot if you’re on a “back book” deal that’s lagged cuts earlier this year.
Compare, like Santa’s list: Scan market options or better still, talk with us for tailored deals matching your profile.
Negotiate for the win: Leverage competitor offers to push your lender; switch if needed for a repayment drop that funds Christmas (or clears debt).
How AAP Finance Brokers delivers holiday relief
AAP Finance Brokers identifies loyalty penalties, crunches savings numbers, and handles negotiations and refinancing smoothly, which frees up time for family time.
In this no-cut environment, don’t gift your bank extra cash: act before New Year’s for a lighter 2026 load. Your home loan should work for you, especially at year’s end.
Ready to Explore Your Next Opportunity in the New Year?
Whether it’s residential, commercial, or asset finance, our team is here to help you make informed decisions backed by expertise, insight, and access to Australia’s leading lenders.
