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Jonathan Chan

Jonathan Chan

Founder & Managing Director

Jonathan helps Australian businesses, investors, and homeowners access tailored finance solutions. With extensive banking experience, Jonathan provides strategic advice across commercial property, business expansion and home lending.

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Gabriel Loh

Gabriel Loh

Managing Director

After almost a decade in New York and Silicon Valley, including as GM of Uber's US and Canada Financial Services business, Gabriel chose to bring his experience closer to home. Today, he helps Australians and business owners grow through smarter, more tailored financing.

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Market Insights 4 February 2026 2 min read

What the RBA Rate Rise Means If You're Financing Right Now

The RBA raised rates to 3.85% this week. This is the first increase since November 2023. Just a few months ago rates were trending down, now they're going up. If you're in the middle of financing anything, whether it's a business acquisition, commercial property, or refinancing your home, the natural question is: what does this mean for me?

Here's what's worth keeping in mind. The cash rate itself is outside your control. What you finance, how you structure it, and the buffer you build in is entirely within your control.

Pricing Isn't As Simple As "Cash Rate Plus Margin"

Not all lenders price the same way. Some price off the RBA cash rate, others price off BBSY, which is forward-looking and moves based on what the market expects to happen. In the lead-up to this week's announcement, BBSY had already shifted up because the market was pricing in a likely increase.

This means some borrowers may have already seen pricing adjustments before the RBA formally moved. Others won't feel the impact until their next rate review or renewal.

What You Can Actually Do About It

At FGO Finance Group, we've been having these conversations with clients early, well before the end of 2025, as business lending rates started trending up. Not because we were certain rates would rise, but because rate uncertainty cuts both ways. Some took us up on it, some stayed variable. Either way, they had options because we talked through the scenarios early.

This week's RBA rate rise is a reminder to stay proactive. If you're navigating business acquisition finance, commercial property, or refinancing and want to talk through what this rate hike means for your specific situation, reach out to us and we'd be happy to talk through your situation. This is a great opportunity to review whether your current lender is still competitive or restructure if your business fundamentals have improved.

Want to discuss your financing options?

Let's talk through how the rate rise impacts your specific situation and what you can do about it.

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