The Reserve Bank of Australia (RBA) has hiked the cash rate by 25 basis points in June, pushing the official cash rate to a new high of 4.10%

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.

Buying a home or looking to refinance? The table below features home loans with some of the lowest interest rates on the market for owner occupiers.

Update resultsUpdate
Filters
LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees Max LVR Lump Sum Repayment Additional Repayments Split Loan Option TagsRow TagsFeaturesLinkComparePromoted ProductDisclosure
5.79% p.a.
5.83% p.a.
$2,931
Principal & Interest
Variable
$0
$530
90%
  • Owner Occupier
  • Variable
  • Principal & Interest
  • 10% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
  • Available for purchase or refinance, min10% deposit needed to qualify.
  • No application, ongoing monthly or annual fees.
  • Dedicated loan specialist throughout the loan application.
 Disclosure
5.84% p.a.
5.86% p.a.
$2,947
Principal & Interest
Variable
$0
$250
60%
  • Owner Occupier
  • Variable
  • Principal & Interest
  • 40% Min Deposit
  • Redraw
  • More details
  • Easy application. Fast approval. No annual fee.
  • Unlimited additional repayments free of charge.
  • Redraw freely - Access your additional payments.
 Disclosure
5.74% p.a.
5.65% p.a.
$2,915
Principal & Interest
Variable
$0
$0
80%
  • 100% owned by Commbank
  • Owner Occupier
  • Variable
  • Principal & Interest
  • 20% Min Deposit
  • Redraw
  • More details
  • A low-rate variable home loan from a 100% online lender.
  • Backed by the Commonwealth Bank.
 Disclosure
Important Information and Comparison Rate Warning

Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to be made on variables as selected and input by the user. Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes. All products will list the LVR with the product and rate which are clearly published on the product provider’s website. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. *The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates correct as of .

Important Information and Comparison Rate Warning

Which lenders have passed on the June 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 June 2023.

This page is updated regularly.

Featured

Big 4 

Banks

Non-bank lenders

AMP

Rate Change: +25bps
Date Effective: 09 June 2023

ANZ

Rate Change: +25bps
Date Effective: 06 June 2023

Athena

Rate Change: +25bps
Date Effective: 09 June 2023

Australian Military Bank

Rate Change: +25bps
Date Effective: 20 June 2023

Australian Unity

Rate Change: +25bps
Date Effective: 15 June 2023

Auswide Bank

Rate Change: +25bps
Date Effective: 15 June 2023

Bank Australia

Rate Change: +25bps
Date Effective: 22 June 2023

Bank of us

Rate Change: +25bps
Date Effective: 20 June 2023

Bankwest

Rate Change: +25bps
Date Effective: 16 June 2023

Bendigo Bank

Rate Change: +25bps
Date Effective: 20 June 2023

Bank of Melbourne

Rate Change: +25bps
Date Effective: 20 June 2023

BOQ

Rate Change: +25bps
Date Effective: 22 June 2023

CommBank

Rate Change: +25bps
Date Effective: 16 June 2023

Credit Union SA

Rate Change: +25bps
Date Effective: 15 June 2023

Firstmac

Rate Change: +25bps
Date Effective: 09 June 2023

Greater Bank

Rate Change: +25bps
Date Effective: 15 June 2023

Homestar

Rate Change: +25bps
Date Effective: 08 June 2023

Horizon Bank 

Rate Change: +25bps
Date Effective: 08 June 2023

ING

Rate Change: +25bps
Date Effective: 14 June 2023

Loans.com.au

Rate Change: +25bps
Date Effective: 09 June 2023

Macquarie Bank

Rate Change: +25bps
Date Effective: 23 June 2023

ME Bank

Rate Change: +25bps
Date Effective: 18 June 2023

Mortgage House 

Rate Change: +25bps
Date Effective: 09June 2023

MyState Bank 

Rate Change: +25bps
Date Effective: 19 June 2023

NAB

Rate Change: +25bps
Date Effective: 16 June 2023

Newcastle Permanent

Rate Change: +25bps
Date Effective: 16 June 2023

Qudos Bank

Rate Change: +25bps
Date Effective: 22 June 2023

RACQ Bank

Rate Change: +25bps
Date Effective: 20 June 2023

St George 

Rate Change: +25bps
Date Effective: 20 June 2023

Suncorp

Rate Change: +25bps
Date Effective: 16 June 2023

Virgin Money

Rate Change: +25bps
Date Effective: 16 June 2023

Westpac

Rate Change: +25bps
Date Effective: 20 June 2023

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