Fact checked
The Reserve Bank of Australia (RBA) has increased the cash rate by 50 basis points in July taking the official cash rate to a new high of 1.35%.
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 July 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 July 5 2022.
This page was last updated on 20 July 2022. P&I = Principal and Interest, IO = Interest Only, OO = Owner-occupier.
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Banks
- Adelaide Bank interest rate rise (pending)
- AMP interest rate rise
- ANZ interest rate rise
- Arab Bank Australia interest rate rise (pending)
- Australian Military Bank interest rate rise
- 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 interest rate rise
- 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
- Bankwest interest rate rise
- BCU interest rate rise
- Bendigo Bank interest rate rise
- Beyond Bank interest rate rise (pending)
- Citi interest rate rise
- Commonwealth Bank interest rate rise
- Community First Credit Union interest rate rise (pending)
- Credit Union SA interest rate rise (pending)
- Defence Bank interest rate rise
- Delphi Bank interest rate rise (pending)
- Easy Street Financial Services interest rate rise (pending)
- Endeavour Mutual Bank interest rate rise (pending)
- G&C Mutual Bank interest rate rise
- Gateway Bank interest rate rise
- Geelong Bank interest rate rise
- Greater Bank interest rate rise
- Great Southern Bank interest rate rise
- Heritage Bank interest rate rise (pending)
- 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
- Macquarie Credit Union interest rate rise (pending)
- ME Bank interest rate rise
- MOVE Bank interest rate rise (pending)
- MyState Bank interest rate rise
- NAB interest rate rise
- Newcastle Permanent interest rate rise
- P&N Bank interest rate rise
- People's Choice CU interest rate rise
- Police Bank interest rate rise
- QBank interest rate rise (pending)
- 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
- Sydney Mutual Bank interest rate rise (pending)
- Teachers Mutual Bank interest rate rise (pending)
- The Capricornian interest rate rise (pending)
- The Mutual Bank interest rate rise (pending)
- UBank interest rate rise (pending)
- UniBank interest rate rise (pending)
- Westpac interest rate rise
Non-bank lenders
- Athena interest rate rise (pending)
- Aussie interest rate rise (pending)
- Freedom Lend interest rate rise (pending)
- Firstmac interest rate rise
- Homestar Finance interest rate rise
- La Trobe Financial interest rate rise (pending)
- Liberty Financial interest rate rise (pending)
- loans.com.au interest rate rise
- Mortgage House interest rate rise (pending)
- Nano Digital Home Loans interest rate rise
- Pepper Money interest rate rise (pending)
- RAMS interest rate rise
- Reduce Home Loans interest rate rise (pending)
- Resimac interest rate rise (pending)
- State Custodians interest rate rise (pending)
- TicToc interest rate rise (pending)
- Virgin Money interest rate rise
AMP interest rate rise
Rate hike: 50 basis points
Effective from: 15 July 2022
Applies to: Variable rate home loans
ANZ interest rate rise
Rate hike: 50 basis points
Effective from: 15 July 2022
Applies to: Variable rate home loans
Athena interest rate rise
Rate hike: 65 basis points
Effective from: 14 July 2022
Applies to: Variable rate home loans
Australian Military Bank interest rate rise
Rate hike: 50 basis points
Effective from: 11 July 2022
Applies to: Variable rate home loans
Australian Unity interest rate rise
Rate hike: 50 basis points
Effective from: 22 July 2022
Applies to: Variable rate home loans
Auswide Bank interest rate rise
Rate hike: 50 basis points
Effective from: 20 July 2022
Applies to: Variable rate home loans
Bank Australia interest rate rise
Rate hike: 50 basis points
Effective from: 18 July 2022
Applies to: Variable rate home loans
Bank of Melbourne interest rate rise
Rate hike: 50 basis points
Effective from: 20 July 2022
Applies to: Variable rate home loans
Bank of Queensland interest rate rise
Rate hike: 50 basis points
Effective from: 8 July 2022
Applies to: Variable rate home loans
Bank of Sydney interest rate rise
Rate hike: 50 basis points
Effective from: 14 July 2022
Applies to: Variable rate home loans
Bank of us interest rate rise
Rate hike: 50 basis points
Effective from: 15 July 2022
Applies to: Variable rate home loans
Bankfirst interest rate rise
Rate hike: 50 basis points
Effective from: 22 July 2022
Applies to: Variable rate home loans
BankSA interest rate rise
Rate hike: 50 basis points
Effective from: 20 July 2022
Applies to: Variable rate home loans
Bank Vic interest rate rise
Rate hike: 45 basis points
Effective from: 19 July 2022
Applies to: Variable rate home loans
Bankwest interest rate rise
Rate hike: 50 basis points
Effective from: 15 July 2022
Applies to: Variable rate home loans
bcu interest rate rise
Rate hike: 50 basis points
Effective from: 26 July 2022
Applies to: Variable rate home loans
Bendigo Bank interest rate rise
Rate hike: 50 basis points
Effective from: 15 July 2022
Applies to: Variable rate home loans
Citi interest rate rise
Rate hike: 50 basis points
Effective from: 15 July 2022
Applies to: Variable rate home loans
Commonwealth Bank interest rate rise
Rate hike: 50 basis points
Effective from: 15 July 2022
Applies to: Variable rate home loans
Defence Bank interest rate rise
Rate hike: 50 basis points
Effective from: 19 July 2022
Applies to: Variable rate home loans
Firstmac interest rate rise
Rate hike: 50 basis points
Effective from: 8 July 2022
Applies to: Variable rate home loans
Homestar interest rate rise
Rate hike: 64 basis points
Effective from: 13 July 2022
Applies to: Variable rate home loans
G&C Mutual Bank interest rate rise
Rate hike: 50 basis points
Effective from: 9 August 2022
Applies to: Variable rate home loans
Gateway Bank interest rate rise
Rate hike: 50 basis points
Effective from: 12 July 2022
Applies to: Variable rate home loans
Geelong Bank interest rate rise
Rate hike: 50 basis points
Effective from: 7 July 2022
Applies to: Variable rate home loans
Greater Bank interest rate rise
Rate hike: 50 basis points
Effective from: 13 July 2022
Applies to: Variable rate home loans
Great Southern Bank interest rate rise
Rate hike: 50 basis points
Effective from: 14 July 2022
Applies to: Variable rate home loans
Horizon Bank interest rate rise
Rate hike: 50 basis points
Effective from: 7 July 2022
Applies to: Variable rate home loans
loans.com.au interest rate rise
Rate hike: 50 basis points
Effective from: 8 July 2022
Applies to: Variable rate home loans
Illawarra Credit Union interest rate rise
Rate hike: 50 basis points
Effective from: 8 July 2022
Applies to: Variable rate home loans
IMB Bank interest rate rise
Rate hike: 50 basis points
Effective from: 15 July 2022
Applies to: Variable rate home loans
ING interest rate rise
Rate hike: 50 basis points
Effective from: 12 July 2022
Applies to: Variable rate home loans
Macquarie Bank interest rate rise
Rate hike: 50 basis points
Effective from: 14 July 2022
Applies to: Variable rate home loans
ME Bank interest rate rise
Rate hike: 50 basis points
Effective from: 9 July 2022
Applies to: Variable rate home loans
MyState Bank interest rate rise
Rate hike: 50 basis points
Effective from: 18 July 2022
Applies to: Variable rate home loans
NAB interest rate rise
Rate hike: 50 basis points
Effective from: 15 July 2022
Applies to: Variable rate home loans
Nano interest rate rise
Rate hike: 50 basis points
Effective from: 18 July 2022
Applies to: Variable rate home loans
Newcastle Permanent interest rate rise
Rate hike: 50 basis points
Effective from: 15 July 2022
Applies to: Variable rate home loans
People's Choice interest rate rise
Rate hike: 50 basis points
Effective from: 19 July 2022
Applies to: Variable rate home loans
Police Bank interest rate rise
Rate hike: 50 basis points
Effective from: 1 August 2022
Applies to: Variable rate home loans
P&N Bank interest rate rise
Rate hike: 50 basis points
Effective from: 26 July 2022
Applies to: Variable rate home loans
Qudos Bank interest rate rise
Rate hike: 50 basis points
Effective from: 21 July 2022
Applies to: Variable rate home loans
RACQ Bank interest rate rise
Rate hike: 50 basis points
Effective from: 15 July 2022
Applies to: Variable rate home loans
RAMS interest rate rise
Rate hike: 50 basis points
Effective from: 20 July 2022
Applies to: Variable rate home loans
St George interest rate rise
Rate hike: 50 basis points
Effective from: 20 July 2022
Applies to: Variable rate home loans
Suncorp Bank interest rate rise
Rate hike: 50 basis points
Effective from: 15 July 2022
Applies to: Variable rate home loans
Virgin Money interest rate rise
Rate hike: 50 basis points
Effective from: 9 July 2022
Applies to: Variable rate home loans
Westpac interest rate rise
Rate hike: 50 basis points
Effective from: 20 July 2022
Applies to: Variable rate home loans
Collections: RBA Interest Rates
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