Trelos Finance Warns of Impending Rate Increases

Kingsgrove, Australia – February 12, 2026 / Trelos Finance /

In the wake of the Reserve Bank of Australia’s initial rate increase in over two years, both CBA and Westpac have aligned with NAB in predicting an additional 0.25% rise as soon as May, which would elevate the cash rate to 4.10%.

“The financial relief we are providing for Sydney homeowners is significant,” states Nick Lissikatos from Trelos Finance. “When evaluating the lifespan of an average mortgage, even a slight decrease in rates can result in savings amounting to tens of thousands of dollars for borrowers. Across our client network, we are discussing collective savings that reach into the hundreds of thousands.”

Lissikatos, who specializes in guiding Sydney families through intricate refinancing choices, notes that the current market offers both obstacles and opportunities for mortgage holders. With leading lenders already factoring in potential rate shifts, borrowers who secure favorable rates now may find themselves in a considerably stronger position than those who wait.

The surge in refinancing activity is occurring against a backdrop of anticipated property price increases across Australia. ANZ now predicts that home prices in capital cities will rise by 4.8% by 2026, although the growth trajectory varies widely by region. Sydney and Melbourne are projected to see increases of 2-3%, while smaller capital cities are expected to outperform due to extremely tight supply conditions.

Research from Canstar indicates that median house prices in Brisbane and Perth could surge by over $100,000 by 2026, highlighting the regional differences that are influencing the Australian housing market.

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For homeowners in Sydney, the interplay between potential rate hikes and ongoing property price appreciation creates a challenging decision-making environment. While the forecasted 2-3% price growth in Sydney is relatively modest compared to some interstate markets, the high median prices in the harbour city mean that homeowners are managing significant assets that require thoughtful financial planning.

Lissikatos observes that many borrowers in Sydney are uncovering notable rate differences between their existing mortgages and the rates currently available in the market. “Loyalty to lenders doesn’t always mean receiving competitive rates,” he remarks. “We frequently encounter clients who could save thousands each year by refinancing, often without realizing that better rates were within reach.”

The savings achieved through Trelos Finance illustrate a broader trend in borrower behavior, with Australians becoming increasingly proactive in managing their most substantial financial obligations. As major banks converge on expectations of a May rate increase to 4.10%, the opportunity to secure favorable refinancing conditions may be diminishing.

With the RBA’s rate path and property price predictions both indicating ongoing market activity throughout 2026, Lissikatos anticipates that the demand for strategic refinancing guidance will remain robust. “Borrowers who comprehend the figures and act promptly will be the ones best positioned, irrespective of the direction in which rates may move next.”

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