08/08/2026
🏠 INTEREST RATES WEREN’T ALWAYS LOW — BUT BORROWING WAS DIFFERENT.
Have you ever wondered whether buying a property was actually “easier” 20 years ago?
Let’s compare 2006 → 2016 → 2026 👇
📊 2006
🔹 RBA Cash Rate: 6.00%
🔹 Average Variable Home Loan Rate: 7.80%
🔹 High interest rates, but comparatively lower household debt.
📊 2016
🔹 RBA Cash Rate: 1.50%
🔹 Average Variable Home Loan Rate: 4.50%
🔹 Ultra-low rates helped fuel much higher borrowing and rising debt levels.
📊 2026
🔹 RBA Cash Rate: 4.35%
🔹 Average Variable Home Loan Rate: 5.90%
🔹 Higher debt levels + tighter lending and servicing requirements.
💡 So here’s the interesting part:
It’s not just about the interest rate.
The bigger question is:
How much can you borrow, how much debt are you carrying, and what does that mean for your purchasing power?
🤔 Would you rather buy in 2006, 2016 or 2026?
Tell me your choice in the comments — 2006, 2016 or 2026? 👇
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General information only. Not financial advice. Interest rates and lending conditions can change.
