The RBA is holding rates steady, but the market isn’t standing still. Smart investors are using this moment of calm to restructure, refinance, and prepare—not pause. 

• Interest rates held at 4.35% for the third month in a row 

• Inflation has moderated, giving breathing room to borrowers 

• Finance applications are rising, especially among investors 

The Australian Bureau of Statistics and major banks report a renewed sense of lending activity, particularly in pre-approved investor lending and refinance volumes. This plateau isn’t a finish line—it’s a launchpad. 

At Infinite Wealth, we help clients move strategically through steady rate phases. From reducing bad debt to adjusting for cashflow resilience and growth readiness, we ensure their portfolios are primed—not paralysed. 

Are you planning past the plateau? 

Discover how to time your next financial move—watch the explainer