Beyond the Deposit: The True Cost of Owning a Home in 2026

December 26, 2025

The RBA has held the cash rate at 3.60%, signaling that relief for borrowers isn't coming anytime soon. As inflation stays high, Australians must navigate a "squeeze" on monthly budgets, a growing retirement gap for renters, and the hidden ongoing costs of homeownership. Stay informed on how to protect your financial future in a tightening market.

Weekly Finance Update: RBA Holds Rates & The True Cost of Housing

The Reserve Bank of Australia has held the cash rate at 3.60%, warning that interest rate cuts are not yet on the horizon and further hikes remain possible due to “sticky” inflation. For mortgage holders, this means continued pressure on repayments, while savers can enjoy higher deposit returns for longer.

Beyond interest rates, the housing market presents new challenges: renters are now advised they may need double the superannuation to retire as comfortably as homeowners who have built equity. Meanwhile, first-home buyers are encouraged to look past the deposit and account for “hidden” ongoing costs like strata, rates, and maintenance.

The Bottom Line: Whether you rent or own, long-term financial planning is essential to navigate this period of tightening.

📞 Get in Touch

If you have inquiries about home loans or need assistance navigating the changing financial landscape, contact all seasons. finance. Our experienced team can guide you through the complexities of securing the right loan, refinancing, or planning for future changes in interest rates. Reach out to us today to take control of your financial future.