Was that the last super-sized 50 basis point increase? Some experts believe so and the next few Reserve Bank of Australia (RBA) increases will be by 25 basis points, a normal amount. These rate rises are tough to swallow when life is already expensive. This will mean that we will be able to borrow even less and our property prices will continue to fall. While each bank has passed previous rate increases on in full, they have different rules when it comes to how they apply the increases to their application and approval processes which we should know about.