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.

Update resultsUpdate
Filters
LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees LVR Lump Sum Repayment Additional Repayments Split Loan Option TagsFeaturesLinkCompare
6.04% p.a.
6.06% p.a.
$2,408
Principal & Interest
Variable
$0
$530
70%
 Featured Online ExclusiveUp to $4k cashback
  • Immediate cashback upon settlement
  • $2000 for loans up to $700,000
  • $4000 for loans over $700,000
5.99% p.a.
5.90% p.a.
$2,396
Principal & Interest
Variable
$0
$0
80%
  • A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.
6.14% p.a.
6.16% p.a.
$2,434
Principal & Interest
Variable
$0
$250
60%
  • Find out your loan eligibility in 2 minutes or less
  • Complete your application in less than 20 minutes
  • Low fees and fast approval times
5.95% p.a.
5.95% p.a.
$2,385
Principal & Interest
Variable
$0
$0
90%
5.94% p.a.
5.95% p.a.
$2,383
Principal & Interest
Variable
$0
$0
90%
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 .

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

Big 4 

Banks

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

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