Written by Mel Dennis – 23 Jan 2026

With the Reserve Bank of Australia set to announce its next interest rate decision in early February, media speculation is already ramping up. Predictions, opinions and headlines can easily create urgency (and sometimes anxiety) for property owners and investors.

One of the most common reactions we see during these periods is people rushing to fix their interest rate purely out of fear that rates might rise. While fixing can be the right strategy in some cases, making that decision solely in response to media noise is often more emotional than strategic.

The reality is that smart property decisions aren’t made by reacting to headlines. They’re made by sitting down, understanding your numbers, and aligning your financial strategy with your broader goals.

Property investing, and home ownership, requires thoughtful planning. This includes understanding:

• Your current property value
• Your cash flow and borrowing capacity
• Your short- and long-term goals
• How different interest rate options affect your position

Everyone’s situation is different, and what’s right for one person may not be right for another.

That’s where having the right support makes all the difference. Whether you’re investing or buying a home to live in, we’re here to help guide you through the process.

If you’re unsure about property values, we can help with that.

If you’re unsure about your finance options, we can connect you with trusted professionals who will take the time to explain your choices clearly and help you make informed decisions.

And if there’s something you need that we don’t directly handle? We likely know someone who does and we’re always happy to put you in touch with great people who can help.

The goal isn’t to guess what the RBA will do next.

The goal is to make confident, well-informed decisions that set you up for the future.

If you’d like to talk through your options ahead of the upcoming RBA announcement, feel free to reach out. We’re here to help you plan, not panic.