# S4,E1: Will RBA Rates Fall, Hold or Rise in 2026?

Page: https://stenobird.com/podcast/helpmebuy-property-podcast-6379945/s4-e1-will-rba-rates-fall-hold-or-rise-in-2026
Text version: https://stenobird.com/podcast/helpmebuy-property-podcast-6379945/s4-e1-will-rba-rates-fall-hold-or-rise-in-2026.md
Podcast: [Helpmebuy Property Podcast](https://stenobird.com/podcast/helpmebuy-property-podcast-6379945)
Published: 2026-01-30T20:49:35+00:00
Episode link: https://shows.acast.com/helpmebuypropertypodcast/episodes/will-rba-rates-fall-hold-or-rise-in-2026
Audio file: https://sphinx.acast.com/p/open/s/65987b47d411280017b3d961/e/697d195e65c54ec919b37845/media.mp3
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Duration seconds: 1555

## Resource

Welcome to the new season of Help Me Buy Property Podcast!  Season 4 kicks off with an episode about one of the biggest questions dominating the Australian property market right now: RBA’s next rate announcement!!!  Are interest rates going up, coming down, or staying exactly where they are? This episode goes beyond headlines and hype.  In this episode of the Help Me Buy Property Podcast, host Moxin Reza is joined by Ali Nanji from Mortgage Scout. With economists, banks, and media all split on forecasts, this episode cuts through the noise to explain what the RBA is actually looking at, why rate cuts on their own mean very little, and how property investors and home buyers should position themselves regardless of what happens next. The episode further breaks down how the RBA sets interest rates based on inflation, employment, GDP, and economic stability and not property prices or mortgages. Also, a 0.25% rate rise typically impacts borrowing capacity by just 2–3%, meaning small rate moves alone shouldn’t drive major property decisions. So, what’s the verdict? Tune in to learn for yourself! Highlights: 00:00 – Welcome to Help Me Buy Property Podcast 02:24 – Rate rise impact on property prices 09:12 – Paying off loans in 15 years 16:18 – RBA’s rate hike strategy 20:23 – Investor decisions & Rate hike 23:22 – Final verdict on RBA rate announcement   About the Guest: Ali Nanji is principal broker at Mortgage Scout, specialising in residential and investment lending. He works closely with property investors to structure loans that remain resilient through interest rate cycles. Ali Nanji can be reached out at ali.nanji@mortgagescout.com.au   Click on the link below to download Australian Bestseller “A Millennial’s Guide to Property Investing…

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## Transcript

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