"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." "A complacent owner-occupier who hasn't refinanced their mortgage recently is sitting on a rate of around 6.36 per cent," Ms Tindall said. "Instead of waiting for the RBA to cut again, borrowers can take control of their mortgage," Ms Tindall said. "The only guaranteed rate cut at this point is the one you secure yourself," said Ms Tindall.