{"id":16679,"date":"2025-05-29T14:33:32","date_gmt":"2025-05-29T03:03:32","guid":{"rendered":"http:\/\/quantiphy.com.au\/oldbackup\/?p=16679"},"modified":"2025-06-19T15:56:23","modified_gmt":"2025-06-19T04:26:23","slug":"plot-twist-home-owners-keep-repayments-on-hold-as-rates-fall","status":"publish","type":"post","link":"https:\/\/quantiphy.com.au\/oldbackup\/plot-twist-home-owners-keep-repayments-on-hold-as-rates-fall\/","title":{"rendered":"Plot twist: home owners keep repayments on hold as rates fall"},"content":{"rendered":"<p>Despite two much-awaited rate cuts this year, plenty of Australian households are keeping their mortgage repayments on hold \u2013 and it could see them save in long-term interest costs.<\/p>\n<p>2025 is shaping up to be a much better year for borrowers than 2024!<\/p>\n<p>Already, we\u2019ve chalked up two rate cuts, and\u00a0<a href=\"https:\/\/www.nab.com.au\/business\/international-and-foreign-exchange\/financial-markets\/interest-rate-forecast\" target=\"_blank\" rel=\"noopener noreferrer\">some experts are predicting there are more to come<\/a>.<\/p>\n<p>It\u2019s an encouraging sign that the worst of the cost-of-living crunch may be behind us.<\/p>\n<p>But there\u2019s an unexpected twist.<\/p>\n<p>Instead of taking up the short-term savings offered by recent rate cuts, 86% of variable rate borrowers with one particular lender have kept their minimum monthly home loan repayment amount at the pre-rate cut level.<\/p>\n<p>It\u2019s a simple step that could save on loan interest and help home owners pay off their mortgage sooner.<\/p>\n<h3>Monthly savings of $160-plus<\/h3>\n<p>The recent rate cuts may have released the pressure valve for many home owners.<\/p>\n<p>For the\u00a0<a href=\"https:\/\/www.commbank.com.au\/articles\/newsroom\/2025\/05\/direct-debit-repayment-changes.html\" target=\"_blank\" rel=\"noopener noreferrer\">average $500,000 home loan<\/a>, February\u2019s 0.25% rate cut could have lowered monthly repayments by up to $80.<\/p>\n<p>The second rate cut in May could have trimmed a further $80 from monthly repayments.<\/p>\n<p>That\u2019s a total of up to $160 wiped off repayments in the space of just four months<\/p>\n<p>Yet it seems few home owners are reaching out to their lender to reduce their minimum monthly home loan repayment amount.<\/p>\n<h3>Really? Why\u2019s that?<\/h3>\n<p>The Commonwealth Bank, which accounts for around\u00a0<a href=\"https:\/\/www.apra.gov.au\/monthly-authorised-deposit-taking-institution-statistics\" target=\"_blank\" rel=\"noopener noreferrer\">one in four Australian home loans<\/a>, says only\u00a0<a href=\"https:\/\/www.commbank.com.au\/articles\/newsroom\/2025\/05\/direct-debit-repayment-changes.html\" target=\"_blank\" rel=\"noopener noreferrer\">one in seven (14%) of its variable rate home loan customers reduced their loan repayments<\/a>\u00a0following the February rate cut.<\/p>\n<p>The majority simply stayed with their existing repayment amount.<\/p>\n<p>Now, it\u2019s important to note here that the Commonwealth Bank and many other lenders don\u2019t automatically reduce your minimum monthly repayments when they follow the RBA\u2019s lead and cut the interest rate on your home loan.<\/p>\n<p>Instead, they may maintain your repayment amount at the old level.<\/p>\n<p>This means that more of your money goes towards paying off the principal (rather than the interest) each month.<\/p>\n<p>That said, you can ask your lender to reduce your repayment amount in line with their cuts.<\/p>\n<p>Or you may find your particular lender has already automatically reduced your minimum monthly repayment in line with rate cuts.<\/p>\n<p>It\u2019s worth double-checking what your lender has done, and if in doubt, get in touch with us.<\/p>\n<div class=\"bt_bb_row\" data-structure=\"12\">\n<div class=\"bt_bb_column col-md-12 col-ms-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\" data-width=\"12\">\n<div class=\"bt_bb_column_content\">\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_row_wrapper bt_bb_row_width_boxed_1200\">\n<div class=\"bt_bb_row\" data-structure=\"2-4-4-2\">\n<div class=\"bt_bb_column col-md-2 col-sm-4 col-ms-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\" data-width=\"2\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"4\">\n<div class=\"bt_bb_column_content\">\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_text\">\n<h6>Speak To An Expert<\/h6>\n<p>Schedule in a time to discuss your situation with a home loan specialist<\/p>\n<\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_normal bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_button bto btop bt_bb_icon_position_left bt_bb_color_scheme_14 bt_bb_style_filled bt_bb_width_inline bt_bb_shape_inherit bt_bb_size_normal bt_bb_align_inherit\" data-bt-override-class=\"{&quot;bt_bb_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_size_normal&quot;,&quot;xl&quot;:&quot;normal&quot;},&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_inherit&quot;,&quot;xl&quot;:&quot;inherit&quot;}}\"><a class=\"bt_bb_link\" title=\"BOOK IN A CALL\" href=\"\/finance\/book-a-chat-with-tommy-biller\/\" target=\"_self\" rel=\"noopener noreferrer\"><span class=\"bt_bb_button_text\">BOOK IN A CALL<\/span><\/a><\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_normal bt_bb_border_style_none\"><\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"4\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-2 col-sm-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"2\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<h3>How much could you save?<\/h3>\n<p>If your finances can handle it, leaving your minimum monthly repayment amount unchanged when rates head south can be one way to help pay more off your loan each month.<\/p>\n<p>To see just how much you could save on interest over the long term, we crunched the numbers for a $500,000 home loan assuming\u00a0<a href=\"https:\/\/mozo.com.au\/home-loan-statistics\" target=\"_blank\" rel=\"noopener noreferrer\">today\u2019s average variable rate of 6.42%<\/a>, and a 25-year term.<\/p>\n<p>By sticking with the same, pre-rate cut repayments for the remainder of the loan (remember, that\u2019s the equivalent of paying $160 extra each month), a borrower could cut over $61,000 from their long-term interest bill.<\/p>\n<p>Better still, it could mean the home loan is fully paid off 2.5 years ahead of schedule.<\/p>\n<p>And if rates fall further, the time and cost savings could be higher.<\/p>\n<h3>Book in a call to find out how much you could save<\/h3>\n<p>If you can afford it, it could be worth thinking about leaving your home loan repayment amount on hold, even if your lender cuts their rates.<\/p>\n<p>Of course the savings you could enjoy with this strategy depends on the size of your loan and the current rate you\u2019re paying.<\/p>\n<p>To get more clarity on your home loan, <a href=\"http:\/\/quantiphy.com.au\/oldbackup\/finance\/book-a-chat-with-tommy-biller\/\">book in a call<\/a>.<\/p>\n<p>We\u2019ll explain the rate you\u2019re paying, and do the sums for your loan to let you know how much you could save by leaving all, or even part, of your repayments unchanged.<\/p>\n<p><strong>Disclaimer:<\/strong>\u00a0The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Despite two much-awaited rate cuts this year, plenty of Australian households are keeping their mortgage repayments on hold \u2013 and it could see them save in long-term interest costs. 2025 is shaping up to be a much better year for borrowers than 2024! Already, we\u2019ve chalked up two rate cuts, and\u00a0some experts are predicting there&#8230;<\/p>\n","protected":false},"author":4,"featured_media":16680,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42,6],"tags":[],"class_list":["post-16679","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Plot twist: home owners keep repayments on hold as rates fall - Quantiphy<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finance-matters.info\/2025\/05\/28\/plot-twist-home-owners-keep-repayments-on-hold-as-rates-fall\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Plot twist: home owners keep repayments on hold as rates fall - Quantiphy\" \/>\n<meta property=\"og:description\" content=\"Despite two much-awaited rate cuts this year, plenty of Australian households are keeping their mortgage repayments on hold \u2013 and it could see them save in long-term interest costs. 2025 is shaping up to be a much better year for borrowers than 2024! 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