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HomeAUAussies Brace for Impact: Major Bank Issues New Rate Alert Affecting Millions

Aussies Brace for Impact: Major Bank Issues New Rate Alert Affecting Millions

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Interest rates could peak at an 18-year high in a matter of months, according to modelling from one of Australia’s biggest banks.
Westpac, citing the continuing war in the Middle East and high oil prices, is now forecasting mortgage holders will be hit by three more rate hikes – in May, June and August – after already having two to start 2026.

The latest forecast indicates that interest rates are set to rise by two more increments than initially anticipated. Currently, the rates have climbed from 3.60 percent at the close of 2025 to 4.15 percent. With three additional hikes, projections suggest they could reach 4.85 percent by August, a level unseen since the latter part of 2008.

Westpac predicts more interest rate pain could be on the way for Australians. (Getty)

This adjustment is attributed to extended disruptions in fuel supply, compounded by a sluggish recovery. The Strait of Hormuz, a critical artery for global fuel transport, is expected to remain largely inaccessible for eight weeks, with traffic only gradually returning to normal thereafter, she explained.

Westpac chief economist Luci Ellis said even government measures like halving the fuel excise, announced today, may not halt the inevitable.

Furthermore, the rapid transmission of heightened fuel and oil-derived product costs into other price sectors in Australia has been unexpectedly swift, impacting the broader economic landscape.

While the fuel excise is anticipated to alleviate some immediate pressure on headline inflation, it is still expected to climb, peaking at around 5.4 percent, according to her analysis.

“It also reflects the surprisingly rapid pass-through of higher fuel and other oil-derived product prices into other prices in Australia.

She said she felt the Reserve Bank of Australia (RBA) would have no choice but to pass on the pressure to millions of Australians in the form of a rate rise.

She said the fuel excise would reduce the short-term outlook for headline inflation, but she still said it was likely to peak at 5.4 per cent.

Inflation currently sits at 3.7 per cent, although the latest figures are for February and therefore don’t take into account the economic shock caused by the Middle East conflict.
Ellis believes the RBA, Governor Michele Bullock pictured here, believes the RBA could feel they have little choice as inflation continues to rise. (Louise Kennerley)

“The (fuel excise) announcement also does not affect prices of other oil-related products, including aviation fuel and various plastics, or any price increases from damage to gas and other production facilities in non-combatant Gulf states,” Ellis said.

She also said the cash rate rising could lead to higher unemployment, up to five per cent, and that Australia’s economic growth would most likely slow.

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The information provided on this website is general in nature only and does not constitute personal financial advice. The information has been prepared without taking into account your personal objectives, financial situation or needs. Before acting on any information on this website you should consider the appropriateness of the information having regard to your objectives, financial situation and needs.

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