Bonus: Unlocking What the Rate Rise Means for First Home Buyers

In early February 2026, there was an interest rate rise announced by the Reserve Bank of Australia (RBA). Jack Elliott and Chris Bates talk through what this actually means for first home buyers and how to respond without feeling rushed or pressured.

We break down the practical impact of a rate rise on both monthly repayments and borrowing capacity, and share real examples so you can understand what this looks like in your situation.

Most importantly, we talk about what you can control right now. You can't control interest rates or the market, but you can control getting a clear plan in place that suits your goals, your budget, and your life.

In this episode:

🔑 What the interest rate rise means for first home buyers

🔑 The practical impact on monthly repayments and borrowing capacity

🔑 Why building buffers into your plan from the start matters

🔑 What to focus on right now and how to control what you can control

🔑 What Chris is seeing in the market after the rate rise

Timestamps

00:00 - What First Home Buyers Should Do After a Rate Rise

07:47 - How a Rate Rise Affects Your Repayments and Borrowing Power

10:11 - What Chris is Seeing in the Market After the Rate Rise

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Mentioned Episodes:

Episode 25 | Unlocking Interest Rates and Why They Move

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