Fact checked
The Reserve Bank of Australia (RBA) has hiked the cash rate by 25 basis points in February, pushing the official cash rate to a new high of 3.35%.
But don't sit around waiting for your bank to send you an email or a letter informing you if they’ve passed on the rate increase. Your Mortgage will provide regular updates on which lenders are passing on the rate increase to variable rate home loans, as they are announced.
Which lenders have passed on the February RBA rate rise?
All interest rate increases listed below are for variable rates only and refer to lenders' responses to the RBA rate rise on February 7 2023.
This page is updated regularly. Last updated on 21 February.
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Banks
- Adelaide Bank interest rate rise
- AMP interest rate rise
- Arab Bank Australia interest rate rise (pending)
- Australian Military Bank interest rate rise (pending)
- Australian Mutual Bank interest rate rise (pending)
- Australian Unity interest rate rise
- Auswide Bank interest rate rise
- Bank Australia interest rate rise
- Bank of Melbourne interest rate rise
- Bank of Queensland (BOQ) interest rate rise
- Bank of Sydney
- Bank of us interest rate rise
- BankFirst interest rate rise
- BankSA interest rate rise
- Bankstown City Unity Bank interest rate rise (pending)
- BankVic interest rate rise (pending)
- Bankwest interest rate rise
- BCU interest rate rise
- Bendigo Bank interest rate rise
- Beyond Bank interest rate rise
- Citi interest rate rise (pending)
- Commonwealth Bank interest rate rise (pending)
- Community First Credit Union interest rate rise (pending)
- Credit Union SA interest rate rise
- Defence Bank interest rate rise
- Delphi Bank interest rate rise (pending)
- Easy Street Financial Services interest rate rise (pending)
- G&C Mutual Bank interest rate rise (pending)
- Gateway Bank interest rate rise (pending)
- Geelong Bank interest rate rise (pending)
- Greater Bank interest rate rise
- Great Southern Bank interest rate rise
- Heritage Bank interest rate rise
- Horizon Bank interest rate rise
- HSBC interest rate rise (pending)
- Hume Bank interest rate rise (pending)
- Hunter United interest rate rise (pending)
- Illawarra Credit Union interest rate rise
- IMB Bank interest rate rise
- ING interest rate rise
- Macquarie Bank interest rate rise (pending)
- Macquarie Credit Union interest rate rise
- ME Bank interest rate rise
- MOVE Bank interest rate rise (pending)
- MyState Bank interest rate rise
- NAB interest rate rise (pending)
- Newcastle Permanent interest rate rise
- P&N Bank interest rate rise (pending)
- People's Choice CU interest rate rise (pending)
- Police Credit Union interest rate rise (pending)
- QBank interest rate rise
- Qudos Bank interest rate rise
- RACQ interest rate rise
- Regional Australia Bank interest rate rise (pending)
- Service One Alliance Bank interest rate rise (pending)
- Southern Cross Credit Union interest rate rise (pending)
- St George interest rate rise
- Summerland Credit Union interest rate rise (pending)
- Suncorp interest rate rise
- Teachers Mutual Bank interest rate rise (pending)
- The Capricornian interest rate rise (pending)
- The Mutual Bank interest rate rise (pending)
- UBank interest rate rise
- UniBank interest rate rise (pending)
- Westpac interest rate rise (pending)
Non-bank lenders
- Athena interest rate rise
- Aussie interest rate rise
- Freedom Lend interest rate rise
- Homeloans.com.au
- Homestar Finance interest rate rise (pending)
- La Trobe Financial interest rate rise (pending)
- Liberty Financial interest rate rise (pending)
- loans.com.au interest rate rise (pending)
- Mortgage House interest rate rise (pending)
- Nano Digital Home Loans interest rate rise (pending)
- Pepper Money interest rate rise (pending)
- RAMS interest rate rise (pending)
- Reduce Home Loans interest rate rise (pending)
- Resimac interest rate rise
- State Custodians interest rate rise (pending)
- TicToc interest rate rise
- Virgin Money interest rate rise
Adelaide Bank
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 24 February 2023
AMP Bank
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 14 February 2023
Athena
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 15 February 2023
ANZ
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 17 February 2023
Aussie
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 15 February 2023
Auswide Bank
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 14 February 2023
Australian Unity
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 16 February 2023
Bank Australia
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 23 February 2023
Bank of Melbourne
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 21 February 2023
BankSA
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 21 February 2023
Bankwest
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 17 February 2023
Bank First
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 24 February 2023
Bank of Sydney
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 16 February 2023
Bank of Us
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 21 February 2023
Bendigo Bank
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 17 February 2023
Beyond Bank Australia
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 21 February 2023
BCU
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 22 February 2023
BOQ
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 10 February 2023
CommBank
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 17 February 2023
Credit Union SA
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 14 February 2023
Defence Bank
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 13 February 2023
Firstmac
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 10 February 2023
Freedom Lend
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 09 February 2023
G&C Mutual Bank
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 20 March 2023
Greater Bank
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 15 February 2023
Great Southern Bank
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 15 February 2023
Heritage Bank
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 22 February 2023
Homeloans.com.au
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 17 February 2023
Horizon Bank
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 08 February 2023
Illawara Credit Union
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 17 February 2023
IMB Bank
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 17 February 2023
ING
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 14 February 2023
Loans.com.au
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 10 February 2023
Macquarie Bank
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 25 February 2023
ME Bank
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 10 February 2023
MyState Bank
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 20 February 2023
NAB
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 17 February 2023
Newcastle Permanent
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 17 February 2023
QBank
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 23 February 2023
Qudos Bank
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 23 February 2023
RACQ Bank
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 21 February 2023
Resimac
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 17 February 2023
St. George
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 21 February 2023
Suncorp
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 16 February 2023
Tic:Toc
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 24 February 2023
UBank
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 16 February 2023
Unloan
Rate increase: 30bps
Applies to: Variable loans
Date Effective: 24 February 2023
Virgin Money
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 10 February 2023
Westpac
Rate increase: 25bps
Applies to: Variable loans
Date Effective: 10 February 2023
Collections: RBA Interest Rates
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