Why Your Interest Rate Changes (Even Without the RBA!)

from Wealth Coffee Chats · host Jason Whitton

Ever wondered why your interest rate changes—even when the RBA hasn’t moved? In this episode, we unpack how interest rates are really calculated, including the role of BBSW, cost of funds, and bank margins. Discover why banks move rates out of cycle, how fixed rates are actually predicted, and what this means for your borrowing strategy. Understanding this gives you the edge when negotiating loans and making smarter property investment decisions.

Episode metadata supplied by the publisher feed · Published Mar 20, 2026

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Why Your Interest Rate Changes (Even Without the RBA!)

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