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The official cash rate might have been cut - but how much further can we expect home loan rates to fall?

The Reserve Bank cut the OCR on Wednesday by 25 basis points (bps), taking it to 2.25 percent.

That was widely expected, but what was a little more surprising was how little room the bank left itself for further cuts to come. It said it would cut again if it needed to, but only if the economy was likely to really underperform its latest forecasts.

It forecast a bottom for the OCR of 2.2 percent, indicating little room for downward m

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