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.

Rates
Features
Fees
Other
Lender
Variable
More details
Online ExclusiveUp to $4k cashbackINCLUDES NOV RBA RATE INCREASE
  • Immediate cashback upon settlement
  • $2000 for loans up to $700,000
  • $4000 for loans over $700,000
Online ExclusiveUp to $4k cashbackINCLUDES NOV RBA RATE INCREASE

Variable Basic Cashback Home Loan (Principal and Interest) (LVR < 70%)

  • Immediate cashback upon settlement
  • $2000 for loans up to $700,000
  • $4000 for loans over $700,000
More details
Variable
More details
  • Up is 100% owned by Bendigo Bank.
  • Up to 50 offset accounts
  • New joiners get $10 by signing up to the app using code UPHOMEYM. (T&Cs apply)

Up Home Variable (Principal & Interest) (LVR ≤ 90)

  • Up is 100% owned by Bendigo Bank.
  • Up to 50 offset accounts
  • New joiners get $10 by signing up to the app using code UPHOMEYM. (T&Cs apply)
More details
Variable
More details

Variable Rate Home Loan – Refinance Only

    More details
    • Immediate cashback upon settlement
    • $2000 for loans up to $700,000
    • $4000 for loans over $700,000

    More details
    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 December 9, 2023.

    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

    Collections: