Fact checked
The Reserve Bank of Australia (RBA) has hiked the cash rate by 25 basis points in November, pushing the official cash rate to a new high of 4.35%.
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.
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.
Variable More details FEATURED4.5 STAR CUSTOMER RATINGSINCLUDES NOV RBA RATE INCREASE Variable Home Loan (LVR < 90%)
Variable Home Loan (LVR < 90%)
Variable More details Up Home Variable (Principal & Interest) (LVR ≤ 90)
Up Home Variable (Principal & Interest) (LVR ≤ 90)
Variable More details Variable Rate Home Loan – Refinance Only
Which lenders have passed on the November 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 7 November 2023.
This page is updated regularly.
Featured
- Unloan (pending)
- loans.com.au
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 (pending)
- Australian Mutual Bank interest rate rise (pending)
- Australian Unity interest rate rise (pending)
- Auswide Bank interest rate rise
- Bank Australia interest rate rise (pending)
- Bank of Melbourne interest rate rise
- Bank of Queensland (BOQ) interest rate rise
- Bank of us interest rate rise (pending)
- BankFirst interest rate rise (pending)
- Bank SA interest rate rise
- Bankstown City Unity Bank interest rate rise (pending)
- BankVic interest rate rise (pending)
- Bankwest interest rate rise
- BCU interest rate rise (pending)
- Bendigo Bank interest rate rise
- Beyond Bank interest rate rise (pending)
- Citi interest rate rise (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)
- 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
- Heritage Bank interest rate rise (pending)
- Horizon Bank interest rate rise (pending)
- 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
- NAB interest rate rise
- Newcastle Permanent interest rate rise (pending)
- P&N Bank interest rate rise (pending)
- People's Choice CU interest rate rise (pending)
- Police Credit Union interest rate rise (pending)
- QBank interest rate rise (pending)
- Qudos Bank interest rate rise (pending)
- 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 (pending)
- Summerland Credit Union interest rate rise (pending)
- Suncorp interest rate rise
- Teachers Mutual Bank interest rate rise (pending)
- The Capricornian interest rate rise
- 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
- Aussie interest rate rise (pending)
- Firstmac
- Freedom Lend interest rate rise
- Homeloans.com.au interest rate rise (pending)
- 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 (pending)
- Pepper Money interest rate rise (pending)
- RAMS interest rate rise (pending)
- 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
NAB
Rate change:+25 basis points
Date effective: 17 November 2023
ME Bank
Rate change:+25 basis points
Date effective: 11 November 2023
Westpac
Rate change: +25 basis points
Date effective: 21 November
ANZ
Rate change: +25 basis points
Date effective: 17 November
Virgin Money
Rate change: +25 basis points
Date effective: 10 November
Bank of Queensland
Rate change: +25 basis points
Date effective: 10 November
Macquarie
Rate change: +25 basis points
Date effective: 17 November
Auswide
Rate change: +25 basis points
Date effective: 14 November
ING
Rate change: +25 basis points
Date effective: 14 November
Commonwealth Bank
Rate change: +25 basis points
Date effective: 17 November
AMP
Rate change: +25 basis points
Date effective: 10 November
Bankwest
Rate change: +25 basis points
Date effective: 17 November
Bendigo Bank
Rate change: +25 basis points
Date effective: 17 November
Athena
Rate change: +25 basis points
Date effective: 9 November
Freedom Lend
Rate change: +25 basis points
Date effective: 9 November
Firstmac
Rate change: +25 basis points
Date effective: 10 November
loans.com.au
Rate change: +25 basis points
Date effective: 10 November
Transport Mutual Credit Union
Rate change: +15 basis points
Date effective: 9 November
St. George
Rate change: +25 basis points
Date effective: 21 November
Bank of Melbourne
Rate change: +25 basis points
Date effective: 21 November
Bank SA
Rate change: +25 basis points
Date effective: 21 November
Horizon Bank
Rate change: +25 basis points
Date effective: 21 November
Newcastle Permanent
Rate change: +25 basis points
Date effective: 17 November
Greater Bank
Rate change: +25 basis points
Date effective: 17 November
Suncorp
Rate change: +25 basis points
Date effective: 17 November
Great Southern Bank
Rate change: +25 basis points
Date effective: 14 November
IMB
Rate change: +25 basis points
Date effective: 17 November
MyState Bank
Rate change: +25 basis points
Date effective: 17 November
G&C Mutual Bank
Rate change: +4 basis points
Date effective: 13 November
The Capricornian
Rate change: +35 basis points
Date effective: 13 November
Collections: RBA Interest Rates
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