Mortgage and deposit rates are falling: Is an RBA cut on the horizon?

Home loan and term deposit interest rates have been tumbling in recent weeks, with many of the nation's biggest banks slashing those on offer to borrowers and savers.
Does that mean an RBA rate cut is imminent? Well, not necessarily.
As Judo Bank chief economic advisor Warren Hogan recently told the Savings Tip Jar, the RBA cash rate doesn't play as large a roll in lenders' fixed rate pricing as one might expect.
AND is the relationship between RBA governor Michele Bullock and federal and state governments fractured? Watch to find out.

[@Patamagomutbutra5]

It’s common sense. In order to cut Fed must increase money supply. That spikes inflation. Bond holders then require higher yield on long term bonds which will cause long term rates to go up, while the fed is dropping short term rates. The fed obviously knows economics and knows this. But, their purpose is to save a dying economy at the expense of higher long term rates, until the collapse happens - in other words the rate cuts are designed to “kick the can down the road” at the expense of a worse collapse. The final conclusion can only be that this is a controlled collapse, engineered as the great economic reset with the participants being the fed, well for me tho Bitcoin is the ultimate defence against a tyrannical government.r.....I've been engaged in active trading and managed to grow a nest egg of around 2.3Bitcoin to a decent 24Bitcoin....I'm especially grateful to Linda Wilburn, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape.

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[@downtoearth1950]

The gov collaborated with the RBA & The big 4 foreign owned banks and raised the rates way too slowly and too low saying. We were different to the rest of the world. Leaving us all exposed to high inflation and high mortsge rates...both great for the Banks and businesses. While draining everbody.😡

[@fatgim]

We all know Warrens views on interest rates. But we ARE different to the USA, they have 30 year fixed mortgage rates and we have predominantly variable rates. Therefore, we feel rate hikes almost immediately and mortgage holders in the USA are barely effected. Also, the US Fed just cut rates by 50 basis points, the largest single cut In 16 years....

[@rabidsminions2079]

Interest rates don't control price gouging by BCA corporations.

[@michaelswonderfulworld]

Rates are not high.. great for mortgage holders and deposit holders.

[@jameshume8462]

Great call and insight there from Warren Hogan.

[@philmelb1022]

Commonwealth bank cutting variable rate because they want more loan business. Plus they can afford to as they didn't pass on in full interest rates lowered by rba decades ago.

[@philmelb1022]

Commonwealth bank cutting variable rate because they want more loan business. Plus they can afford to as they didn't pass on in full interest rates lowered by rba decades ago. Like most other banks didn't as well

[@leonie563]

We need Banking consolidation again. We also need much less than 20,000 mortgage brokers. We need Superannuation Reform so it's locked up until age 60. No access until 60. Pull out of tax free super withdrawals after that age. Price signals work and will kill inflation.

[@aaronxu8168]

Rate cuts will not happen in AUS out economy is currently propped up by mass migration and GOV spending if those factors were not in play we would be in a recession. Our inflation rate has not gone down why would they cut rates stop listening to what they say and do the math