Later this week the Reserve Bank of Australia is widely expected to take interest rates lower once again.
While this is good news for borrowers, it is the opposite for savers and those using term deposits.
But don't worry because the Australian share market is home to plenty of quality ASX dividend shares to help you overcome low interest rates.
For example, here are three shares that analysts are tipping as buys at present:
Cedar Woods Properties Ltd (ASX: CWP)
The first ASX dividend share that could help income investors beat low interest rates is Cedar Woods. It is one of the country's leading residential property developers, which is benefiting greatly from Australia's chronic housing shortage.
Bell Potter expects this to underpin fully franked dividends of 28 cents per share in FY 2025 and then 32 cents per share in FY 2026. Based on the current share price of $7.32, this equates to dividend yields of 3.8% and 4.4%, respectively.
The broker currently has a buy rating and $8.00 price target on its shares.
Jumbo Interactive Ltd (ASX: JIN)
Another ASX dividend share that could be a good option in a low interest rate environment is Jumbo Interactive. It is an online lottery ticket seller and lottery platform provider best known for its Oz Lotteries app and Powered by Jumbo platform.
The team at Macquarie is positive on Jumbo, highlighting that its shares have "materially de-rated since the 1H25 result, impacted by market-share losses within Australian lottery retailing." The broker thinks this is a buying opportunity, noting that it "is trading at a 45% P/E discount to the ASX 300 Industrials, its widest since 2017."
As for income, the broker is forecasting fully franked dividends of 50.5 cents per share in FY 2025 and then 63 cents per share in FY 2026. Based on its current share price of $10.07, this would mean yields of 5% and 6.25%, respectively.
Macquarie has an outperform rating and $13.90 price target on its shares.
Sonic Healthcare Ltd (ASX: SHL)
A third ASX dividend share for income investors to look at is Sonic Healthcare. It is one of the largest pathology and diagnostic imaging providers in the world.
Bell Potter is positive on the company's turnaround and is forecasting dividends of 107 cents per share in FY 2025 and then 109 cents per share in FY 2026. Based on its current share price of $27.16, this represents dividend yields of 3.9% and 4%, respectively.
The broker has a buy rating and $33.70 price target on its shares.
