RBA DECISION: Why The Big Four Can't Read Rates + Is Your Lending Strategy Working For You?

In this episode, Darren and Brodie unpack why economists at Australia's major banks have been changing their rate forecasts so often, what that means for property buyers and investors trying to make decisions, and what they actually expect from the RBA over the next several months.THE BREAKDOWNIn the past twelve months, the big four have held several differing positions on the cash rate trajectory. The most recent NAB call (rate cuts to continue) is the opposite of their call a month earlier (rate rises coming). That kind of forecasting volatility from one of the largest banks in the country should make every property buyer wary of building a strategy around any single prediction.Darren and Brodie work through the risk-profile framework they use with clients. The framework is simple: what's your best case, your realistic case, and your worst case? Investment decisions made through that lens hold up regardless of which direction the RBA actually moves.The episode also covers what auction clearance rate data actually tells you. The state-by-state variability of clearance data is significant. Auction is the dominant sales channel in Sydney and Melbourne, marginal in Queensland, and almost irrelevant in Western Australia. National clearance figures therefore say more about the New South Wales and Victorian markets than about the rest of the country.In this episode, we chat about:- Why nine out of ten property headlines are fear-driven and how to read them anyway.- The risk-profile framework: best case, realistic case, worst case.- Why the RBA is likely to hold at today's meeting.- Why the next RBA move is more likely a cut than a rise.- What auction clearance rates actually tell you, and what they don't.- Why Sydney and Melbourne auction data does not generalise to the rest of Australia.- Why auctions don't suit first home buyers, and what that means for the market.SOURCEShttps://www.instagram.com/p/DXvC6lftI5t/ NAB - May 2025NAB - May 2026NAB (Yahoo Finance) - June 2026CONNECT WITH FUNDDGot a question? Drop it in the comments below or reach out to the team via our website https://fundd.com.au/contact/.Follow us on Socials:FacebookInstagramLinkedinThis podcast provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.All information is correct at the time of filming.