Bottom of the curve – Where will interest rates go from here?

‘Bottom of the curve’ is a term that has been tossed about since the beginning of this year. The RBA began dropping the cash rate steadily in November 2011 after a 13 month period of no change to offi cial cash rates. Rates were then held at the lowest level on record at 3.0% through the fi rst quarter of 2013.

Despite the Reserve Bank dropping offi cial rates to an historical low of 2.75% in May 2013 opinion remains divided as to where cash rates will head for the rest of the year. We are however aware that cash rates are either approaching or at the bottom of the curve.

20-30% of all borrowers opted to  x some of their loan in March 2013

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