RBA Cash Rate & Which Lenders Have Moved?

The RBA Cash Rate Target was cut to 3.60% on 12th August 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

20 August 2025

This week's standout home loans

I'm Brooke, and every week I sift through stacks of mortgage offers to highlight 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 :

loans.com.au - Variable Home Loan - 5.29% p.a. (5.33% p.a. comparison rate*)

loans.com.au's variable rate is available to homeowners with deposits or equity worth 10% of their property's value and can come with an offset facility for an additional 10 basis points per annum

Standout Fixed-rate Home Loan:

EasyStreet Financial Services - Two year Fixed Rate Home Loan Special - 4.69% p.a. (comparison rate* 5.47% p.a.) 

EasyStreet currently offers one of the lowest home loan rates out there to owner occupiers and investors with LVRs of 80% or less who are willing to fix their rate for two years.

Standout Refinance Home Loan: 

Unloan - Variable Rate Home Loan - 5.24% p.a. (5.15% p.a. comparison rate*) 

If you have at least 20% equity in your home, you may qualify for Unloan’s sharp variable rate. What sets it apart is a 0.01% loyalty discount for each year a person holds their mortgage, up to a maximum 0.30% p.a. discount

See you next time!

author-avatar
Your Mortgage Editor

Research Report:
Home Loan Hindsight

Find out what Australian homeowners wish they’d done differently.

Latest Rates from Home Loan Lenders

View the latest home loan rates from over 70 lenders including the big four and other established lenders in Australia. Explore lenders to see their current loan rates, fees, features and other offers.

Latest in Mortgage News

Stay ahead in the home loan game by keeping up with the latest mortgage industry insights and interest rate updates – because informed decisions lead to smarter financial moves.

 

Latest Guides

Show more
...

Get help finding
the right home loan

Not sure which type of loan is best for your needs?
Your Mortgage can help you find out.

Compare Home Loans