{"id":178124,"date":"2025-09-29T18:14:09","date_gmt":"2025-09-29T18:14:09","guid":{"rendered":"https:\/\/www.newsbeep.com\/au\/178124\/"},"modified":"2025-09-29T18:14:09","modified_gmt":"2025-09-29T18:14:09","slug":"australian-first-home-buyers-shrugging-off-rba-rate-cuts","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/au\/178124\/","title":{"rendered":"Australian first-home buyers shrugging off RBA rate cuts"},"content":{"rendered":"<p dir=\"ltr\">Her approach demonstrates the balancing act many new borrowers face: Building buffers while managing lifestyle and cashflow.<\/p>\n<p>Borrower age and life stage matter<\/p>\n<p dir=\"ltr\">Borrower decisions also diverged across age brackets. The 31-40 cohort was most likely to reduce repayments (14%), while just 7% of over-60s and 8% of under-20s made changes.<\/p>\n<p dir=\"ltr\">This reflects the different priorities of customers in different age brackets \u2013 families juggling childcare and cost-of-living pressures may prioritise immediate cashflow, while older borrowers are less inclined to alter long-standing repayment habits.<\/p>\n<p dir=\"ltr\">Regionally, New South Wales and the ACT led the way, with nearly 14% of borrowers lowering their direct debit amounts. Victoria followed at 12%, while Queensland and South Australia both sat at 9%. Borrowers in Western Australia, Tasmania, and the Northern Territory were the least likely to adjust.<\/p>\n<p>Optimistic signs for household finances<\/p>\n<p dir=\"ltr\">CBA\u2019s head of Australian economics Belinda Allen reckoned the data paints a positive picture for household sentiment.<\/p>\n","protected":false},"excerpt":{"rendered":"Her approach demonstrates the balancing act many new borrowers face: Building buffers while managing lifestyle and cashflow. Borrower&hellip;\n","protected":false},"author":2,"featured_media":178125,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[64,63,11147,9565,44,7054],"class_list":["post-178124","post","type-post","status-publish","format-standard","has-post-thumbnail","category-australia","tag-au","tag-australia","tag-first-home-buyer","tag-interest-rate","tag-news","tag-rba"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/178124","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/comments?post=178124"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/178124\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media\/178125"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media?parent=178124"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/categories?post=178124"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/tags?post=178124"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}