Westpac analyst Bill Evans has predicted that the RBA will drop the cash rate twice this year. He has even predicated that this will take place in August and November. The RBA has accepted that rates may drop in the near future and that is a definite signal to analysts that it will happen. Now that the Banking Royal Commission has passed and there is no real onerous restrictions on the banks, many are now predicting that banks will try and increase their market share by getting more funds under loan. How would they do this? By making it more attractive to borrowers by reducing rate, increasing LVR and lowering barriers to entry that were put up after the APRA and Royal Commission were in play. This is all good news for investors.