RBA Cash Rate & Which Lenders Have Moved?

The RBA Cash Rate Target was cut to 3.85% on 20th May 2025.

Learn which mortgage lenders are cutting home loan rates or find out about the history of the cash rate and interest rates.

Brooke Cooper

24th June 2025

This week's standout home loans

I'm Brooke, and every week I sift through stacks of mortgage offers to highight a handful of standouts – maybe they've got competitive rates, low fees, or handy features.

This week I've got three attractive owner occupier home loans with low rates and great features.

Standout Variable Rate Home Loan :

Unloan Variable Rate Home Loan - 5.49% p.a. (5.40% p.a. comparison rate*)

Unloan's variable rate is available to homeowners with deposits or equity worth 20% of their property's value (potentially 10% for eligable purchasers) and offers a discount of 0.01% p.a. for each year a borrower holds their mortgage.

Standout Fixed-rate Home Loan:

Community First Bank - Two- or three-year Fixed Home Loan - 4.99% p.a. (comparison rates* 5.98% p.a. and 6.06% p.a. respectively) 

Community First Bank currently offers one of the lowest home loan rates out there to owner occupiers with LVRs of 80% or less willing to fix their rate for two or three years.

Standout Refinance Home Loan: 

Horizon Bank - Home Sweet Home Loan - 5.39% p.a. (6.09% p.a. comparison rate*) 

For homeowners with equity worth at least 30% of their property's value could take advantage of Horizon Bank's ultra-competitive variable interest rate, with the product also offering an offset account for an extra fee.

See you next time!

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