Mortgage Choice data shows refi values up 18.7% year-on-year
New figures show arrears stabilising and borrowing activity resilient despite cost-of-living pressures and RBA rate rises
Lending activity rose 9.7% in the December 2025 quarter, though the sector remains well below its 2021 peak
Customers on variable rates set to see monthly costs jump even further
More banks expected to follow as funding costs rise
Surprise moves comes as RBA poised to lift borrowing costs
