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Home loan rate changesLive · as of 3 NovemberWhich lenders are changing home loan rates

1 lender has announced variable rate changes still to come. 60 rates moved in the last 30 days, at 40 lenders.

Cash rate 4.85% · raised on 3 November

Photo: Richard Horne

Announced, not in effect yet

1

The lender has published the new rate and the day it starts. Every list on BankMate already prices on it.

Home loan rates that changed

60 in the last 30 days, 40 lenders

One row per lender a day: the loan it now charges least on, with how many of its other loans moved the same way.

  1. RBA rise to 4.85%Tue 3 Nov, 2:30pm

    1 of 42 lenders have passed it on so far · who and how fast. Changes below this point came before the announcement.

  2. Tue 27 Oct4 changes
  3. Fri 23 Oct1 change
  4. Sat 17 Oct3 changes
  5. Fri 16 Oct3 changes
  6. Thu 15 Oct4 changes

New home loans

8 added to BankMate in the last 30 days

Dated the day each joined BankMate's list, not the day the lender launched it: some are new, others a lender had offered for a while before we listed them.

  1. Wed 28 Oct1 added
  2. Mon 26 Oct2 added
  3. Thu 15 Oct2 added
  4. Thu 8 Oct3 added
The RBA's 3 Nov rise1 of 42 lenders have passed it on to borrowers so farSee who, lender by lender
Next RBA decisionTuesday 8 December, 2:30pmEvery decision since 2022
Compare all 321 home loans

Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Data
Each lender's Consumer Data Right (Open Banking) feed, read every night. A change is dated the day the new rate first showed in the feed. Announced rates come from the lender's own site.
What counts
The advertised rate for a new owner-occupier borrowing 80% of the property's value, paying principal and interest. The feed carries nothing on existing loans. A rate moved and moved back within a week is left out, and our own corrections are never a change.
Scope
Products listed on BankMate. "New" means new to our list, not always new to the market. Factual comparison, not financial advice.

As of 3 November 2026, 1 lender has announced home loan rate changes still to come: Macquarie Offset Home Loan (6.34% to 6.59% from 19 November). The latest changes BankMate recorded, on 27 October 2026: Defence Bank Ultimate Essentials Fixed (6.39% to 6.74%), Defence Bank Premier Low Rate (6.49% to 6.74%), MyState Fixed Rate Loan (6.54% to 6.69%) and MyState Basic Variable Loan (6.19% to 6.44%). In all, 60 rates moved in the last 30 days, at 40 lenders. Read from BankMate's nightly product data.