Australian economy grows 2.1% as GDP beats forecasts, cementing September rate hike expectations

June quarter growth of 0.4% pushes market-implied probability of an RBA rate rise to 70% ahead of the September 28–29 meeting

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Australia’s economy grew a stronger-than-expected 2.1% over the 2025-26 financial year, and 0.4% in the June quarter, data released Wednesday by the Australian Bureau of Statistics shows. The figures beat economist forecasts of 1.8% annual and 0.3% quarterly growth, prompting traders to lift the implied probability of a September rate hike by the Reserve Bank to about 70%, up from 50% before the release.

The National Accounts, published by the ABS on September 2, confirmed that gross domestic product expanded 0.4% in the three months to June 30, accelerating from 0.3% in the March quarter, despite the drag from higher interest rates and ongoing Middle East tensions.

Treasurer Jim Chalmers emphasised Australia’s relative outperformance, saying in a statement that annual growth “was as strong or stronger than every major advanced economy – equal to the United States and much stronger than the rest”. He pointed to signs of recovery in dwelling investment, which grew 1.6% in the quarter and 5.8% through the year, driven by both new building and renovation activity.

But economists warned the data would make it hard for the RBA to avoid further tightening. IFM Investors chief economist Alex Joiner said the National Accounts highlighted an “unsustainable” growth path, noting that productivity remained poor, per capita GDP was flat, and unit labour cost growth was elevated. “The economy risks not slowing quickly enough for the RBA to achieve its inflation objectives and as such it should raise rates in either September or November,” Joiner said.

Market pricing now fully factors in a rate hike by November, with a 20% chance of increases in both September and November, according to Bloomberg analysis of futures. The cash rate currently sits at 4.35%, with traders betting it will peak at 4.8% by mid-2026.

Indeed Asia-Pacific economist Callam Pickering highlighted the productivity stagnation: “Australian workers today are no more productive than they were seven years ago.” He noted that labour productivity, measured as real GDP per hour worked, was unchanged in the June quarter, 0.2% lower than a year earlier, and 5% below its peak. “It turns out artificial intelligence is everywhere, except in the productivity data,” he said.

Marcel Thieliant of Capital Economics said a rate hike was probable but not certain. “With GDP growth and inflation holding up better than the RBA had anticipated, the bank will probably hike rates before long, perhaps as soon as this month,” he said, adding that “a rate hike isn’t a done deal yet – after all, the labour market is now clearly loosening and revised data show that the housing downturn has accelerated.”

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Analysis

Why This Matters

  • Mortgage holders face another squeeze: A September rate hike would increase repayments on variable-rate loans, adding to cost-of-living pressures for millions of borrowers who have already endured multiple increases since 2022.
  • Housing market fragility: The RBA is weighing strong dwelling investment against a deepening house price downturn – a rate rise could accelerate the decline, potentially affecting consumer confidence and construction jobs.
  • Inflation fight remains unresolved: Strong GDP growth suggests domestic demand is not cooling fast enough to bring inflation back to the 2-3% target band, keeping the RBA’s hand forced.

Background

The RBA has held the cash rate at 4.35% since November 2023, after raising it 13 times from a record low of 0.10%. Inflation has eased but remains above the bank’s target, while the labour market has shown signs of loosening. The September 28–29 board meeting is the next opportunity to adjust rates, and the GDP data is a key input into the board’s decision alongside upcoming jobs and inflation prints.

Key Perspectives

  • Treasurer Jim Chalmers: Stresses Australia’s economic outperformance and points to rising dwelling investment as a sign the government’s housing policies are working. Avoids direct commentary on rate hike likelihood.
  • Economists (Joiner, Pickering, Thieliant): Broadly agree that the data makes a rate increase more likely, but differ on timing and certainty. Joiner sees a hike as necessary; Thieliant highlights countervailing weakness in the labour and housing markets.
  • Shareholders and businesses: Higher rates would increase borrowing costs for companies and may weigh on consumer spending, particularly in retail and housing-related sectors. The JB Hi-Fi share price tumble cited in SmartCompany illustrates market jitters about household demand.

What to Watch

  • RBA meeting September 28-29: The board will consider this GDP data alongside the August CPI (due mid-September) and monthly labour force figures before deciding.
  • Labour market data: The August jobs report (due September 17) will show whether the loosening trend continues or accelerates, potentially altering the rate path.
  • Housing market indicators: Weekly auction clearance rates and monthly home value indices from CoreLogic will reveal whether the downturn deepens in response to rate expectations.

Sources

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