Review calendar
Six things move. Not at the same speed.
Most of what people call “the market” is six separate things, changed by six different parties on six different schedules. Knowing which one moved tells you whether you need to do anything. This page names who owns each number and where to read it, so you always get the current value with a date attached.
| What moves | Who changes it | How often | Why it matters to you | Check here |
|---|---|---|---|---|
| The cash rate | Reserve Bank of Australia | On a published schedule of Monetary Policy Board meetings, announced in advance for the year ahead. | Variable rates usually move within weeks of a change, but not always by the same amount and not on the same day at every lender. | RBA — interest rate decisions and meeting dates |
| Your own lender's rate | The lender | Whenever they choose. Existing-customer pricing and new-customer pricing move independently. | The gap between what you pay and what the same lender advertises to new borrowers is the single most common reason to make a repricing call. | Moneysmart — switching home loans |
| Promotions and cashbacks | Lenders, individually | Continuously, often with short windows and no notice on withdrawal. | This is why no table of current offers appears on this site. Verify on the lender's own terms page, with the date attached. | How to test whether a promotion is real |
| Government schemes and caps | Federal and state or territory governments | Usually at budget time or the start of a financial year, occasionally mid-year. | Price caps, income caps and place allocations change. A guide written last year can be confidently wrong. | Housing Australia — support to buy a home |
| Serviceability expectations | Australian Prudential Regulation Authority | Rarely, and with public announcement. | The buffer applied over the actual rate determines maximum borrowing capacity across the whole market at once. | APRA |
| Stamp duty and land tax thresholds | Each state and territory revenue office | Commonly at the start of a financial year. | These are the largest transaction costs after the deposit, and they are entirely jurisdictional. There is no national rule. | Moneysmart — buying a home |
A sane re-check rhythm
- Every six months, if you hold a mortgage. Compare your rate against the same lender’s advertised new-customer rate, then call and ask them to match it.
- After any cash rate change. Check whether your lender passed it on, by how much and from what date.
- Before signing a contract of sale. Re-check scheme eligibility and state duty thresholds; both are jurisdictional and both move.
- Never on the strength of a table you found without a date on it.
General information. A guide to where the current numbers live and who publishes them. General information about how Australian lending is organised. Rules, thresholds and eligibility are set by government agencies and change; each lane links to the source so you can check the current position.
Calendar structure reviewed 17 August 2026.