--- title: Third rate cut delivered this year as RBA trims cash rate to 3.60% description: Third rate cut delivered this year as RBA trims cash rate to 3.60% image: https://moneyplex.au/hubfs/Imported_Blog_Media/Blog-1100x733-third-cut-2025.jpg --- [Skip to content](https://moneyplex.au/moneyplex-blog/third-rate-cut-delivered-this-year-as-rba-trims-cash-rate-to-3-60#main-content) [![Logo](https://moneyplex.au/hs-fs/hubfs/logo-4.png?width=220&height=40&name=logo-4.png "Logo")](https://moneyplex.au) Call: 1300 648 147 or Book An Appointment - [Get Your Finance Approval Guide](https://moneyplex.au/get-your-finance-approval-guide-1) - Who We Help - [Self-Employed Individuals With Families](https://moneyplex.au/self-employed-individuals-with-families-clone-new) - [Self Employed Professionals & Tradespeople](https://moneyplex.au/self-employed-professionals-and-tradespeople) - [Small Business Owners](https://moneyplex.au/small-business-owners) - [Property Investors And Developers](https://moneyplex.au/property-investors-and-developers) - 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[First Home Buyers](https://moneyplex.au/first-home-buyers) - [Medical Professionals](https://moneyplex.au/medical-professionals) - What We Do - [Mortgages](https://moneyplex.au/mortgages) - [Business And Asset Finance](https://moneyplex.au/business-and-asset-finance) - [Private Lending](https://moneyplex.au/private-lending) - [Personal Loans](https://moneyplex.au/personal-loans) - [Expert Referral Partners](https://moneyplex.au/expert-referral-partners) - [About](https://moneyplex.au/about) - [Blog](https://moneyplex.au/moneyplex-blog) - [Contact Us](https://moneyplex.au/contact-us-1) - [Contact Us](https://moneyplex.au/contact-us-1) - [Lending Strategy Session](https://moneyplex.au/lending-strategy-session) ![](https://moneyplex.au/hs-fs/hubfs/Imported_Blog_Media/Blog-1100x733-third-cut-2025.jpg?width=1100&height=733&name=Blog-1100x733-third-cut-2025.jpg) Uncategorized # Third rate cut delivered this year as RBA trims cash rate to 3.60% ![99ContentEditor](https://7528315.fs1.hubspotusercontent-na1.net/hub/7528315/hubfs/raw_assets/public/mV0_d-cms-elevate-theme_hubspot/elevate/images/avatar-placeholder.jpg?width=48&height=48&name=avatar-placeholder.jpg) 99ContentEditor August 12, 2025 **Borrowers around the country have been delivered a sunnier financial outlook this month after the Reserve Bank of Australia (RBA) today trimmed the cash rate by another 25 basis points to 3.60%. How much could your monthly mortgage repayments decrease?** After last month’s unexpected hold, the RBA this month went with market expectations and delivered its third cash rate cut in 2025 in an attempt to ease cost-of-living pressures on Australian families. RBA Governor Michele Bullock [said in a statement](https://www.rba.gov.au/media-releases/2025/mr-25-22.html) that the Board unanimously decided to cut the cash rate by 25 basis points as underlying inflation continued to decline back towards the midpoint of the 2-3% target range. ### How much could you now save on your mortgage repayments? Unless you’re on a fixed-rate mortgage, hopefully your bank will soon follow the RBA’s lead and decrease the interest rate on your variable home loan. For an owner-occupier with a 25-year loan of $500,000 paying principal and interest, this month’s 25 basis point rate cut means your monthly repayments could decrease by about $76 a month. That would put $912 a year back into your household budget. If you have a $750,000 loan, your monthly repayments will likely decrease by about $114 a month – or $1368 per year. Meanwhile, a $1 million loan could decrease by about $152 a month – or $1824 a year. This all assumes that your lender automatically passes on the full 25 basis point cut to your home loan. Another thing to consider is that not all lenders automatically reduce variable home loan repayment amounts in line with rate cuts. Some lenders simply maintain your repayment amount at the old level. It’s just that more of your money goes towards paying off the principal (rather than the interest) each month. But you can ask them to reduce your repayments in line with their cuts. To find out what your lender is doing with your loan, get in touch with us in a few days once the dust has settled. ### Still feeling stress from your mortgage? Even with this latest rate cut, many Australian families are still grappling with living costs and interest rates that are higher than when they first took out their home loan. If that includes you, now could be a good time to check in with us for a home loan health check. You might be able to improve your situation by either renegotiating with your current lender, refinancing to another lender, or through debt consolidation. Whatever your situation, we’re here to help you explore your options. **Disclaimer:** The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to your circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. 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It is not to be modified, reproduced or republished without prior written consent. ## Share this post [mailto:https%3A%2F%2Fmoneyplex.au%2Fmoneyplex-blog%2Fthird-rate-cut-delivered-this-year-as-rba-trims-cash-rate-to-3-60](mailto:https%3A%2F%2Fmoneyplex.au%2Fmoneyplex-blog%2Fthird-rate-cut-delivered-this-year-as-rba-trims-cash-rate-to-3-60) ## Keep reading ### [![](https://moneyplex.au/hs-fs/hubfs/Blog%201100x733%20refinancing%20July%202026.jpg?width=1100&height=733&name=Blog%201100x733%20refinancing%20July%202026.jpg) New financial year, new reasons to review your home loan](https://moneyplex.au/moneyplex-blog/new-financial-year-new-reasons-to-review-your-home-loan) ### [![](https://moneyplex.au/hs-fs/hubfs/Blog%201100x733%20market%20budget%202026.jpg?width=1100&height=733&name=Blog%201100x733%20market%20budget%202026.jpg) How the property market is shaping up in your area post budget night](https://moneyplex.au/moneyplex-blog/how-the-property-market-is-shaping-up-in-your-area-post-budget-night) [![logo](https://moneyplex.au/hs-fs/hubfs/logo-1.png?width=240&height=44&name=logo-1.png "logo")](https://moneyplex.au) Call:1300 648 147 - [Home](https://moneyplex.au) - [About MoneyPlex](https://moneyplex.au/about) - [Lending Strategy Session](https://moneyplex.au/lending-strategy-session) - [Compliments & Concerns](https://moneyplex.au/compliments-concerns) - [Contact Us](https://moneyplex.au/contact-us-1) MONEYPLEX PTY LTD (ACN: 656 436 627) is a corporate credit representative (Representative Number 541146) of QED CREDIT SERVICES PTY LTD (Australian Credit Licence 387856). \*The amount of money we may be able to save you depends on your personal financial situation. 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