The Reserve Bank of Australia’s recent interest rate cuts have caused a ripple effect across the property and construction markets—especially in regional areas like Wagga Wagga and Junee. But what do lower rates actually mean for you if you’re planning to build a new home in 2026? The answer: quite a lot.
Lower interest rates can significantly increase your borrowing power. This means you may be able to secure a larger loan or build the home you really want without stretching your budget. If you’ve been eyeing a four-bedroom home or thinking about premium inclusions, now might be the right time to take that leap.
From a monthly cost perspective, rate cuts also reduce repayments. That translates to real savings over the life of your mortgage and allows more flexibility when it comes to custom features or upgrades. You can allocate more of your budget toward energy-efficient finishes or higher-quality materials without compromising your bottom line.
But it’s not just about getting more house for your money. Lower interest rates often stimulate competition among builders, which can result in better pricing and promotional offers. At Raulston Family Homes, we pass on the benefits of these market shifts through transparent, fixed-price contracts—so you won’t be hit with surprises later on.
That said, don’t wait too long. As rates decrease, demand usually increases, which can create bottlenecks for builders and longer wait times. Getting your project underway now ensures you take full advantage of today’s conditions without delays.
Raulston Family Homes is here to help you lock in your dream home while the timing is right. With personalised design support, a library of well-priced plans, and up-to-date local knowledge, we’ll help you build smart—even in a shifting market.
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