"It's little surprise the RBA has kept the cash rate on hold," said Canstar's data insights director, Sally Tindall. "There was no way the Board could justify a cash rate cut when a number of inflation indicators were back on the rise." Those results, due out at the end of October, will likely decide whether the RBA delivers one more cut before Christmas. "Following each rate cut this year, the percentage of customers reducing their direct debit repayments has been almost identical at the same point in time. "Instead of waiting for the RBA to cut again, borrowers can take control of their mortgage," Ms Tindall said.