Building a successful strategy to manage RBA rate volatility
For conveyancers and property lawyers, the Reserve Bank of Australia’s (RBA) cash rate isn’t just an economic headline; it is the most volatile element to account for. Over the last year the RBA rates have significantly impacted the market, reaching the lowest level since April 2023 at just 3.6%. From a conveyancing firm perspective, the cash rates continue affect client decision-making and transaction stability. Managing this shifting landscape is strategically imperative for advising your clients and managing your firm’s workload. RBA policy creates two distinct environments, each requiring tailored client counsel. When the RBA is easing (as it has been throughout 2025), clients are often driven by urgency and competition. They rush to secure lower mortgage rates, leading to emotional bidding and potential oversight. In fact, data from respondents in InfoTrack’s 2025 State of Real Estate Report showed that 59% of buyers and sellers completed their property journey in under 3 months. The conveyancer’s role of enforcing due diligence can be particularly challenging during this period as settlement timelines are exacerbated. Ensuring the best outcome for your clients while also conceding to the timely pressures of the market requires agility and adequate resourcing.