Fact checked
The Reserve Bank of Australia (RBA) has hiked the cash rate by 25 basis points in October, pushing the official cash rate to a new high of 2.60%.
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 October 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 4 October 2022.
This page was last updated on 18 October 2022
For the November 2022 rate changes, go here: RBA November 2022 Rate Changes.
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Big 4
Banks
- Adelaide Bank interest rate rise (pending)
- AMP interest rate rise
- Arab Bank Australia interest rate rise (pending)
- Australian Military Bank interest rate rise
- Australian Mutual Bank interest rate rise (pending)
- Australian Unity interest rate rise
- Auswide Bank interest rate rise
- Bank Australia interest rate rise
- Bank of China (pending)
- 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 (pending)
- BCU interest rate rise
- Bendigo and Adelaide Bank interest rate rise
- Beyond Bank interest rate rise
- Citi interest rate rise (pending)
- Coastline Credit Union (pending)
- Community First Credit Union interest rate rise (pending)
- Credit Union SA interest rate rise (pending)
- Defence Bank interest rate rise (pending)
- Delphi Bank interest rate rise (pending)
- Easy Street Financial Services interest rate rise (pending)
- Endeavour Mutual Bank interest rate rise (pending)
- Family First
- Firefighters Mutual Bank (pending)
- G&C Mutual Bank interest rate rise
- Gateway Bank interest rate rise (pending)
- Geelong Bank interest rate rise (pending)
- Greater Bank interest rate rise
- Great Southern Bank interest rate rise (pending)
- Health Professionals Bank (pending)
- 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 (pending)
- IMB Bank interest rate rise
- ING interest rate rise
- Macquarie Bank interest rate rise
- Macquarie Credit Union interest rate rise (pending)
- ME Bank interest rate rise
- MOVE Bank interest rate rise (pending)
- MyState Bank interest rate rise
- Newcastle Permanent interest rate rise
- P&N Bank interest rate rise
- People's Choice CU interest rate rise (pending)
- Police Credit Union (pending)
- QBank interest rate rise (pending)
- Qudos Bank interest rate rise
- RACQ interest rate rise (pending)
- 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 (pending)
- The Capricornian interest rate rise (pending)
- The Mutual Bank interest rate rise (pending)
- Transport Mutual Credit Union (pending)
- ubank interest rate rise (pending)
- UniBank interest rate rise (pending)
- Up (pending)
Non-bank lenders
- Aussie interest rate rise
- Firstmac interest rate rise
- Freedom Lend interest rate rise (pending)
- Homeloans.com.au
- Homestar Finance interest rate rise (pending)
- La Trobe Financial interest rate rise (pending)
- Liberty Financial interest rate rise (pending)
- Mortgage House interest rate rise (pending)
- Nano Digital Home Loans interest rate rise
- Pepper Money interest rate rise (pending)
- RAMS interest rate rise (pending)
- Reduce Home Loans interest rate rise (pending)
- Resi interest rate rise (pending)
- Resimac interest rate rise
- State Custodians interest rate rise (pending)
- TicToc interest rate rise (pending)
- Unloan
- Virgin Money interest rate rise
- Yellow Brick Road (pending)
Aussie
Rate Change: +25 bps
Effective from: 12 October
Applies to: Variable rate home loans
AMP Bank
Rate Change: +25 bps
Effective from: 14 October
Applies to: Variable rate home loans
Athena
Rate Change: +25 bps
Effective from: 07 October
Applies to: Variable rate home loans
Australian Military Bank
Rate Change: +25 bps
Effective from: 18 October
Applies to: Variable rate home loans
Australian Unity
Rate Change: +25 bps
Effective from: 14 October
Applies to: Variable rate home loans
Auswide Bank
Rate Change: +25 bps
Effective from: 13 October
Applies to: Variable rate home loans
ANZ
Rate Change: +25 bps
Effective from: 14 October
Applies to: Variable rate home loans
Bank Australia
Rate Change: +25 bps
Effective from: 13 October
Applies to: Variable rate home loans
Bank SA
Rate Change: +25 bps
Effective from: 18 October
Applies to: Variable rate home loans
Bankfirst
Rate Change: +25 bps
Effective from: 21 October
Applies to: Variable rate home loans
Bankwest
Rate Change: +25 bps
Effective from: 14 October
Applies to: Variable rate home loans
Bank of Melbourne
Rate Change: +25 bps
Effective from: 18 October
Applies to: Variable rate home loans
Bank of Queensland
Rate Change: +25 bps
Effective from: 14 October
Applies to: Variable rate home loans
Bank of Sydney
Rate Change: +25 bps
Effective from: 12 October
Applies to: Variable rate home loans
Bank of Us
Rate Change: +25 bps
Effective from: 07 October
Applies to: Variable rate home loans
Bendigo and Adelaide Bank
Rate Change: +25 bps
Effective from: 14 October
Applies to: Variable rate home loans
Beyond Bank
Rate Change: +25 bps
Effective from: 18 October
Applies to: Variable rate home loans
BCU
Rate Change: +25 bps
Effective from: 18 October
Applies to: Variable rate home loans
CommBank
Rate Change: +25 bps
Effective from: 14 October
Applies to: Variable rate home loans
Family First
Rate Change: +25 bps
Effective from: 11 October
Applies to: Variable rate home loans
Firstmac
Rate Change: +25 bps
Effective from: 07 October
Applies to: Variable rate home loans
G&C Mutual Bank
Rate Change: +25 bps
Effective from: 10October
Applies to: Variable rate home loans
Greater Bank
Rate Change: +25 bps
Effective from: 14 October
Applies to: Variable rate home loans
Heritage Bank
Rate Change: +25 bps
Effective from: 18 October
Applies to: Variable rate home loans
Homeloans.com.au
Rate Change: +25 bps
Effective from: 13 October
Applies to: Variable rate home loans
Horizon Bank
Rate Change: +25 bps
Effective from: 07 October
Applies to: Variable rate home loans
IMB Bank
Rate Change: +25 bps
Effective from: 14 October
Applies to: Variable rate home loans
ING
Rate Change: +25 bps
Effective from: 11 October
Applies to: Variable rate home loans
loans.com.au
Rate Change: +25 bps
Effective from: 07 October
Applies to: Variable rate home loans
Macquarie
Rate Change: +25 bps
Effective from: 14 October
Applies to: Variable rate home loans
ME Bank
Rate Change: +25 bps
Effective from: 15 October
Applies to: Variable rate home loans
MyState Bank
Rate Change: +25 bps
Effective from: 17 October
Applies to: Variable rate home loans
NAB
Rate Change: +25 bps
Effective from: 14 October
Applies to: Variable rate home loans
Nano
Rate Change: +25 bps
Effective from: 12 October
Applies to: Variable rate home loans
Newcastle Permanent
Rate Change: +25 bps
Effective from: 14 October
Applies to: Variable rate home loans
Qudos Bank
Rate Change: +25 bps
Effective from: 20 October
Applies to: Variable rate home loans
P&N Bank
Rate Change: +25 bps
Effective from: 18 October
Applies to: Variable rate home loans
Resimac
Rate Change: +25 bps
Effective from: 13 October
Applies to: Variable rate home loans
St.George
Rate Change: +25 bps
Effective from: 18 October
Applies to: Variable rate home loans
Suncorp
Rate Change: +25 bps
Effective from: 14 October
Applies to: Variable rate home loans
Unloan
Rate Change: +25 bps
Effective from: 18 November
Applies to: Variable rate home loans
Virgin Money
Rate Change: +25 bps
Effective from: 15 October
Applies to: Variable rate home loans
Westpac
Rate Change: +25 bps
Effective from: 18 October
Applies to: Variable rate home loans
Collections: RBA Interest Rates Mortgage News
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