The Reserve Bank of Australia (RBA) has increased the cash rate by 50 basis points in September taking the official cash rate to a new high of 2.35%.

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 September 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 6 September 2022.

This page was last updated on 22 September 2022.

Check out here for the October rate changes.

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Big 4 

Banks

Non-bank lenders

Adelaide Bank

Rate hike: 50 basis points

Effective from: 22 September

Applies to: Variable rate home loans

-

AMP

Rate hike: 50 basis points

Effective from: 16 September

Applies to: Variable rate home loans

-

ANZ

Rate hike: 50 basis points

Effective from: 16 September

Applies to: Variable rate home loans

-

Arab Bank Australia

Rate hike: 50 basis points

Effective from: 15 September

Applies to: Variable rate home loans

-

Athena

Rate hike: 50 basis points

Effective from: 13 September

Applies to: Variable rate home loans

-

Australian Military Bank

Rate hike: 50 basis points

Effective from: 27 September

Applies to: Variable rate home loans

-

Australian Mutual Bank

Rate hike: 50 basis points

Effective from: 01 October

Applies to: Variable rate home loans

-

Australian Unity

Rate hike: 30 to 50 basis points

Effective from: 16 September

Applies to: Variable rate home loans

-

Aussie

Rate hike: 50 basis points

Effective from: 12 September

Applies to: Variable rate home loans

-

Auswide

Rate hike: 50 basis points

Effective from: 20 September

Applies to: Variable rate home loans

-

Bank Australia

Rate hike: 50 basis points

Effective from: 16 September

Applies to: Variable rate home loans

-

Bank of China

Rate hike: 50 basis points

Effective from: 16 September

Applies to: Variable rate home loans

-

Bank of Melbourne

Rate hike: 50 basis points

Effective from: 20 September

Applies to: Variable rate home loans

-

Bank of Sydney

Rate hike: 50 basis points

Effective from: 15 September

Applies to: Variable rate home loans

-

Bank of us

Rate hike: 50 basis points

Effective from: 21 September

Applies to: Variable rate home loans

-

BankFirst

Rate hike: 50 basis points

Effective from: 27 September

Applies to: Variable rate home loans

-

BankSA

Rate hike: 50 basis points

Effective from: 20 September

Applies to: Variable rate home loans

-

BankVic

Rate hike: 45 basis points

Effective from: 20 September

Applies to: Variable rate home loans

-

Bankwest

Rate hike: 50 basis points

Effective from: 16 September

Applies to: Variable rate home loans

-

Bendigo

Rate hike: 50 basis points

Effective from: 16 September

Applies to: Variable rate home loans

-

BOQ

Rate hike: 50 basis points

Effective from: 16 September

Applies to: Variable rate home loans

-

Citi

Rate hike: 50 basis points

Effective from: 16 September

Applies to: Variable rate home loans

-

Coastline Credit Union

Rate hike: 50 basis points

Effective from: 23 September

Applies to: Variable rate home loans

-

Commonwealth Bank

Rate hike: 50 basis points

Effective from: 16 September

Applies to: Variable rate home loans

-

Defence Bank

Rate hike: 50 basis points

Effective from: 19 September

Applies to: Variable rate home loans

-

Firefighters Mutual Bank

Rate hike: 50 basis points

Effective from: 23 September

Applies to: Variable rate home loans

-

Firstmac

Rate hike: 60 basis points

Effective from: 9 September

Applies to: Variable rate home loans

-

Gateway Bank

Rate hike: 50 basis points

Effective from: 14 September

Applies to: Variable rate home loans

-

G&C Mutual Bank

Rate hike: 50 basis points

Effective from: 19 September

Applies to: Variable rate home loans

-

Great Southern Bank

Rate hike: 50 basis points

Effective from: 20 September

Applies to: Variable rate home loans

-

Greater Bank

Rate hike: 45 basis points

Effective from: 14 September

Applies to: Variable rate home loans

-

Health Professionals Bank

Rate hike: 50 basis points

Effective from: 23 September

Applies to: Variable rate home loans

-

Heritage Bank

Rate hike: 50 basis points

Effective from: 20 September

Applies to: Variable rate home loans

-

Homeloans.com.au

Rate hike: 50 basis points

Effective from: 23 September

Applies to: Variable rate home loans

-

Horizon

Rate hike: 50 basis points

Effective from: 9 September

Applies to: Variable rate home loans

-

IMB Bank

Rate hike: 50 basis points

Effective from: 19 September

Applies to: Variable rate home loans

-

Illawara Credit Union

Rate hike: 50 basis points

Effective from: 20 September

Applies to: Variable rate home loans

-

ING

Rate hike: 50 basis points

Effective from: 15 September

Applies to: Variable rate home loans

-

loans.com.au

Rate hike: 50 basis points

Effective from: 9 September

Applies to: Variable rate home loans

-

Macquarie

Rate hike: 50 basis points

Effective from: 16 September

Applies to: Variable rate home loans

-

Macquarie Credit Union

Rate hike: 50 basis points

Effective from: 14 September

Applies to: Variable rate home loans

-

ME Bank

Rate hike: 50 basis points

Effective from: 17 September

Applies to: Variable rate home loans

-

MyState Bank

Rate hike: 50 basis points

Effective from: 19 September

Applies to: Variable rate home loans

-

NAB

Rate hike: 50 basis points

Effective from: 16 September

Applies to: Variable rate home loans

-

Nano

Rate hike: 50 basis points

Effective from: 20 September

Applies to: Variable rate home loans

-

Newcastle Permanent

Rate hike: 50 basis points

Effective from: 16 September

Applies to: Variable rate home loans

-

People's Choice

Rate hike: 20 basis points

Effective from: 16 September

Applies to: Variable rate home loans

-

Police Credit Union

Rate hike: 50 basis points

Effective from: 15 September

Applies to: Variable rate home loans

-

Queensland Country Bank

Rate hike: 50 basis points

Effective from: 23 September

Applies to: Variable rate home loans

-

RACQ

Rate hike: 50 basis points

Effective from: 16 September

Applies to: Variable rate home loans

-

RAMS

Rate hike: 50 basis points

Effective from: 20 September

Applies to: Variable rate home loans

-

Resi

Rate hike: 50 basis points

Effective from: 16 September

Applies to: Variable rate home loans

-

Resimac

Rate hike: 50 basis points

Effective from: 23 September

Applies to: Variable rate home loans

-

St. George

Rate hike: 50 basis points

Effective from: 20 September

Applies to: Variable rate home loans

-

Suncorp

Rate hike: 50 basis points

Effective from: 16 September

Applies to: Variable rate home loans

-

Teachers Mutual Bank

Rate hike: 50 basis points

Effective from: 23 September

Applies to: Variable rate home loans

-

Tic:Toc

Rate hike: 50 basis points

Effective from: 23 September

Applies to: Variable rate home loans

-

Transport Mutual Credit Union

Rate hike: 50 basis points

Effective from: 16 September

Applies to: Variable rate home loans

-

Virgin Money

Rate hike: 50 basis points

Effective from: 16 September

Applies to: Variable rate home loans

-

ubank

Rate hike: 50 basis points

Effective from: 15 September

Applies to: Variable rate home loans

-

Unloan

Rate hike: 50 basis points

Effective from: 18 October

Applies to: Variable rate home loans

-

Up

Rate hike: 50 basis points

Effective from: 28 September

Applies to: Variable rate home loans

-

Westpac

Rate hike: 50 basis points

Effective from: 20 September

Applies to: Variable rate home loans

-

Yellow Brick Road

Rate hike: 50 basis points

Effective from: 16 September

Applies to: Variable rate home loans

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