CheckRate brings together clear, accessible data on Australian finance, helping people understand the trends shaping borrowing, saving, spending and the broader money landscape.
The RBA looks at a mix of signals before each cash rate decision, from prices and jobs to wages and household spending. These dates show when decisions are announced and help give context to what is happening across Australia’s economy.
Our methodology aggregates and verifies data against primary institutional sources, ensuring high-fidelity intelligence.
Australians deserve access to the same quality of data that institutional investors rely on.
Expert analysis on market movements and monetary policy.
Housing
Around 3.8 million Australian households have a mortgage. New owner-occupier loans averaged $736,000 nationally in the December 2025 quarter, rising to $873,000 in NSW. After the steepest rate-rise cycle since the early 1990s, average outstanding mortgage rates have eased from above 6% to 5.62%. Total new lending reached a record $385 billion in 2025.
Spending
Australian households owe a combined $3.40 trillion, with total household debt increasing by 65% over the past ten years. Most of that debt is tied to housing, as mortgages remain the largest financial commitment for Australian households.
Housing
Australia's homeownership rate sits at 66% according to the 2021 Census, down from around 70% in the 1980s. More households now own with a mortgage than own outright, a shift that first emerged in 2003 and has continued since.