It’s been a big week in the finance world, with the Reserve Bank of Australia announcing a 0.25% interest rate rise after two years of stability. In this Friday edition of Wealth Coffee Chats, Sarah Schoen from Positive Money breaks down the rate rise in real, dollar terms and explains what it actually means for everyday households.

Rather than focusing on headlines or fear, this episode puts the numbers into perspective—showing how a rate increase impacts a typical mortgage and why it may not be as alarming as it first sounds. Sarah also shares her outlook on where interest rates may head over the next 12 months and why 2026 is shaping up to be a relatively quiet year compared to the volatility of 2022.

You’ll also learn practical strategies to help manage higher repayments, including how to use offsets effectively, when fixed rates may be worth considering, and why speaking to your bank or broker can make an immediate difference. If you’re feeling uneasy about rising rates or simply want clarity and confidence around your mortgage strategy, this episode will help you reset, refocus, and move forward with a plan.