Experts believe inflation will drop driven by the falling cost of housing, recreation and culture. Photo: Daniel Pockett/AAP PHOTOS

Mortgage holders may soon get a better idea of when they can expect another interest rate cut as the Reserve Bank's boss defends the timing of its moves.

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Governor Michele Bullock will face questions from federal parliament's economics committee on Monday about interest rates, sluggish productivity and planned changes to card payment surcharges.

The appearance will be her first at a parliamentary hearing since the RBA board started cutting rates in Febr

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