The Reserve Bank’s latest update points to a mixed setup for 2026 – easier funding in some parts of the market, but lingering inflation keeping lenders cautious.
 
For businesses with loans expiring next year, these early signals could shape your refinancing window.
What the RBA is seeing
  • Funding costs have fallen as cash rate cuts flow through.
  • Credit is still widely available, and risk premiums are low.
  • But underlying inflation is proving persistent, likely sitting above 3% until late 2026.

Why this matters for borrowers

When inflation stays sticky, lenders often sharpen their risk settings. That can influence loan pricing, credit appetite and refinancing terms.
 
This doesn’t mean lending will tighten dramatically – but it does mean borrowers with 2026 funding needs should review structures early, not wait for the market to shift.
Next steps
If you’d like to check how your current loan sits against emerging 2026 conditions – or compare what different banks and non-banks are offering – contact me and I can guide you through the options.