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Sydney Home Loan Broker

The cycle turned. After three cuts through 2025, the RBA has raised three times this year, and the cash rate has sat at 4.35% since 5 May 2026. The Board held on 16 June 2026 and said inflation is still too high.

That changes what you can borrow, which lenders are competitive this month, and how much a loan you signed two years ago is quietly costing you. Here is the whole picture as it stands in August 2026: borrowing capacity, rates, deposits, costs and timing, with sources you can check.

Sydney home loans as at August 2026: the 4.35% cash rate, APRA's 6x DTI cap, current advertised rates, deposit routes, stamp duty and real lender turnaround times.

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