What’s happening to interest rates?
2025 has finally brought some good news for homeowners.
After a tough few years of rising rates, the Reserve Bank of Australia (RBA) announced its first rate cut since 2020 on 18 February 2025. That was followed by a 0.25% cut on 20 May and another 0.25% cut on 12 August, bringing the current cash rate down to 3.60%.
And there could be more relief on the way – with interest rates expected to continue falling in 2025.
What led up to this point?
Let’s rewind to Tuesday the 3rd of May 2022.
The Reserve Bank of Australia (RBA) announced that they were lifting the cash rate from a historical low of 0.10% per annum to 0.35% per annum – their first rate increase since November 2010.
Since then, the RBA announced 12 more rate rises (four 0.50% increases, eight 0.25% increases), taking the cash rate to 4.35%.
So you can see why rate cuts in 2025 were welcome news for so many Aussie home owners.
Will rates keep dropping?
The future’s finally looking a little brighter when it comes to interest rates, but as we all know by now, nothing’s ever guaranteed with rates.
We still don’t have a crystal ball, but at the time of writing, the market is expecting the cash rate to keep dropping in 2025.
But just how many more interest rate cuts we’ll see in 2025 varies (learn more: how much will interest rates go down?)
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So, how do interest rate changes work?
Not-so-fun fact – the interest rate on your home loan isn’t set by the RBA, it’s set by the specific bank or lender you’ve borrowed money from to purchase your property.
This is where things get interesting (‘scuse the pun)…
Historically speaking, banks and lenders have typically changed their variable home loan interest rates after an RBA announcement, but when and by how much is always a talking point.
Hot tip: It’s not always the same as the RBA.
To add another layer, sometimes lenders don’t personally let you know how much your home loan interest rate has changed by. In fact, many lenders are only obligated to print an ad in a national newspaper to inform customers on their rate changes. Crazy huh!
So keeping track of changes to your interest rate can be tricky, which is why we have created the list below to help you understand which banks and lenders have moved and by how much.
We will continue to keep this list up to date as lenders respond to the RBA announcements.
2025 RBA interest rate tracker
The RBA is scheduled to meet 8 times in 2025.
- 18 February 2025-0.25%
- 1 April 2025No change
- 20 May 2025-0.25%
- 8 July 2025No change
- 12 August 2025-0.25%
- 30 September 2025TBA – 30 Sep
- 4 November 2025TBA – 4 Nov
- 9 December 2025TBA – 9 Dec
Which banks have cut their interest rates in 2025?
- The RBA and lenders did not change the interest rates
- Same rate as the RBA
- Passed on more than the RBA
- Passed on less than the RBA
- Lender has not decided a rate yet
Annual interest rate increases for existing customers – current as at 12 August, 2025.
| Lender | Feb | Apr | May | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|
| RBA | -0.25% | – | -0.25% | – | -0.25% | ||||
| ANZ | -0.25% | – | -0.25% | – | -0.25% | ||||
| Commonwealth Bank | -0.25% | – | -0.25% | – | -0.25% | ||||
| NAB | -0.25% | – | -0.25% | – | -0.25% | ||||
| Westpac | -0.25% | – | -0.25% | – | -0.25% | ||||
| Adelaide Bank | -0.25% | – | -0.25% | – | |||||
| AMP Bank | -0.25% | – | -0.25% | – | -0.25% | ||||
| Athena Home Loans | -0.25% | – | -0.25% | – | -0.25% | ||||
| Australian Military Bank | -0.25% | – | -0.25% | – | -0.25% | ||||
| Auswide Bank | -0.25% | – | -0.25% | – | |||||
| Bank Australia | -0.25% | – | -0.25% | – | -0.25% | ||||
| Bank First | -0.25% | – | -0.25% | – | -0.25% | ||||
| Bank of Melbourne | -0.25% | – | -0.25% | – | -0.25% | ||||
| Bank of Queensland | -0.25% | – | -0.25% | – | -0.25% | ||||
| Bank of Sydney | -0.25% | – | -0.25% | – | -0.25% | ||||
| BankSA | -0.25% | – | -0.25% | – | -0.25% | ||||
| Bankwest | -0.25% | – | -0.25% | – | -0.25% | ||||
| Bendigo Bank | -0.25% | – | -0.25% | – | -0.25% | ||||
| Beyond Bank | -0.25% | – | -0.25% | – | -0.25% | ||||
| Bluestone | -0.25% | – | -0.25% | – | |||||
| Connective Essentials (Advantedge) | -0.25% | – | -0.25% | – | |||||
| Firstmac | -0.25% | – | -0.25% | – | -0.25% | ||||
| Gateway Bank | -0.25% | – | -0.25% | – | -0.25% | ||||
| Granite Home Loans | -0.25% | – | -0.25% | – | -0.25% | ||||
| Great Southern Bank | -0.25% | – | -0.25% | – | |||||
| Heritage Bank | -0.25% | – | -0.25% | – | -0.25% | ||||
| HSBC | -0.25% | – | -0.25% | – | -0.25% | ||||
| ING | -0.25% | – | -0.25% | – | -0.25% | ||||
| Macquarie Bank | -0.25% | – | -0.25% | – | -0.25% | ||||
| ME Bank | -0.25% | – | -0.25% | – | -0.25% | ||||
| MyState Bank | -0.25% | – | -0.25% | – | -0.25% | ||||
| Newcastle Permanent | -0.25% | – | -0.25% | – | -0.25% | ||||
| P&N Bank | -0.25% | – | -0.25% | – | -0.25% | ||||
| People’s Choice | -0.25% | – | -0.25% | – | -0.25% | ||||
| Pepper Money | -0.25% | – | -0.25% | – | -0.25% | ||||
| RACQ Bank | -0.25% | – | -0.25% | – | -0.25% | ||||
| RedZed | -0.25% | – | -0.25% | – | -0.25% | ||||
| Resimac | -0.25% | – | -0.25% | – | |||||
| St. George Bank | -0.25% | – | -0.25% | – | -0.25% | ||||
| Suncorp Bank | -0.25% | – | -0.25% | – | -0.25% | ||||
| Teachers Mutual Bank | -0.25% | – | -0.25% | – | -0.25% | ||||
| ubank | -0.25% | – | -0.25% | – | -0.25% | ||||
| Virgin Money | 0.00% | – | -0.25% | – | -0.25% |
Note: This table highlights the lenders’ announced changes to their variable rate home loans. However, your own interest rate will depend on your specific home loan product.
Interest rate tracker – August 2025
The RBA reduced the cash rate by 0.25% on August 12th, lowering the official cash rate from 3.85% to 3.60%.
But not all lenders move at the same speed… or at all.
Why does it matter?
Because every day your lender delays a rate cut, they pocket more. In fact, big banks can make up to $4M/day by delaying a cut.
Here’s when each lender will pass on the latest rate cuts.
- ANZ (-0.25%)22 August 2025
- Commonwealth Bank (-0.25%)22 August 2025
- NAB (-0.25%)25 August 2025
- Westpac (-0.25%)26 August 2025
- Adelaide BankTBC
- AMP (-0.25%)22 August 2025
- Athena (-0.25%)12 August 2025
- Australian Military Bank (-0.25%)26 August 2025
- Auswide (-0.25%)TBC
- Bank Australia22 August 2025
- Bank First (-0.25%)21 August 2025
- Bank of Melbourne (-0.25%)26 August 2025
- Bank of Queensland (-0.25%)29 August 2025
- Bank of Sydney (-0.25%)26 August 2025
- BankSA (-0.25%)26 August 2025
- Bankwest (-0.25%)22 August 2025
- Bendigo Bank (-0.25%)27 August 2025
- Beyond Bank (-0.25%)26 August 2025
- Bluestone TBC
- Connective Essentials TBC
- Firstmac (-0.25%)26 August 2025
- Gateway Bank (-0.25%)19 August 2025
- Granite Home Loans (-0.25%)1 September 2025
- Great Southern BankTBC
- Heritage Bank (-0.25%)26 August 2025
- HSBC (-0.25%)25 August 2025
- ING (-0.25%)26 August 2025
- Macquarie Bank (-0.25%)15 August 2025
- ME Bank (-0.25%)30 August 2025
- MyState Bank (-0.25%)28 August 2025
- Newcastle Permanent (-0.25%)26 August 2025
- P&N Bank (-0.25%)2 September 2025
- People’s Choice (-0.25%)26 August 2025
- Pepper Money (-0.25%)28 August 2025
- RACQ Bank (-0.25%)26 August 2025
- Redzed (-0.25%)15 August 2025 (new customers)
- Resimac TBC
- St George (-0.25%)26 August 2025
- Suncorp (-0.25%)22 August 2025
- Teachers Mutual Bank (-0.25%)21 August 2025
- ubank (-0.25%)21 August 2025
- Virgin Money (-0.25%)29 August 2025
Repayment change tracker – August 2025
What happens to your repayments varies from lender to lender. Some will decrease them automatically, while others require customers to reach out and request the change themselves.
It’s important to know that repayments are different to rates. If you’re on a variable rate, your interest rate will go down automatically if your lender passes on the cut. But your repayments might stay the same – it depends on your lender’s policy.
The good news? If your repayments haven’t changed, you’re not losing out. You’re simply paying off more of your loan’s principal, which could help you get ahead faster (good if that’s your goal).
Keeping an eye on your home loan, interest rate and repayments helps make sure it’s still working for you. Based on your situation, you might choose to leave your repayments as they are and get ahead on your loan. Or, you might prefer the extra breathing room of lower monthly repayments.
Either way, we want you to feel informed and in control – because when it comes to your home loan, knowledge really is power.
So, here’s what the majors and popular lenders are doing.
Will my repayments automatically reduce when rates go down?
- ANZRepayment unchanged
- Commonwealth BankRepayment unchanged
- NAB Repayment unchanged
- WestpacAutomatically decrease
- Bank of MelbourneAutomatically decrease
- Bankwest Automatically decrease
- INGAutomatically decrease
- MacquarieAutomatically decrease
- ME BankAutomatically decrease
- People’s ChoiceRepayment unchanged
- St GeorgeAutomatically decrease
- SuncorpRepayment unchanged
- ubankAutomatically decrease
- WestpacAutomatically decrease
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Interest rate tracker – May 2025
The RBA reduced the cash rate by 0.25% on May 20th, lowering the official cash rate from 4.10% to 3.85%.
Interest rate tracker – February 2025
The RBA has now delivered two rate cuts in 2025.
On 18 February, the RBA reduced the cash rate by 0.25%, taking it from 4.35% to 4.10%.
Among the majors, ANZ, Commonwealth Bank and NAB passed on the rate cut effective 28 February, while Westpac held out until 4 March.
On 20 May, the RBA cut the rate again by another 0.25%, bringing it down to 3.85%.
We’ll keep this page updated as more anticipated rate cuts come to light.
What happened to interest rates in 2024?
Good news! The RBA did not announce any changes to the official cash rate in 2024. This has provided a period of stability for homeowners, however lenders are still constantly changing their interest rates for new loans so it’s worth staying in touch with your own loan.
Annual interest rate changes 2024
The RBA did not announce any changes to the official cash rate in 2024.
- The RBA and lenders did not change the interest rates
- Same rate as the RBA
- Lower rate than the RBA
- Higher rate than the RBA
- Lender has not decided a rate yet
| Lender | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RBA | – | – | – | – | – | – | – | – | – | – | – | – |
| Adelaide Bank | – | – | – | – | – | – | – | – | – | – | – | – |
| AMP Bank | – | – | – | – | – | – | – | – | – | – | – | – |
| ANZ | – | – | – | – | – | – | – | – | – | – | – | – |
| Athena Home Loans |
– | – | – | – | – | – | – | – | – | – | – | – |
| Australian Military Bank |
– | – | – | – | – | – | – | – | – | – | – | – |
| Auswide Bank | – | – | – | – | – | – | – | – | – | – | – | – |
| Bank Australia | – | – | – | – | – | – | – | – | – | – | – | – |
| Bank First | – | – | – | – | – | – | – | – | – | – | – | – |
| Bank of Melbourne | – | – | – | – | – | – | – | – | – | – | – | – |
| Bank of Queensland | – | – | – | – | – | – | – | – | – | – | – | – |
| Bank of Sydney | – | – | – | – | – | – | – | – | – | – | – | – |
| BankSA | – | – | – | – | – | – | – | – | – | – | – | – |
| Bankwest | – | – | – | – | – | – | – | – | – | – | – | – |
| Bendigo Bank | – | – | – | – | – | – | – | – | – | – | – | – |
| Beyond Bank | – | – | – | – | – | – | – | – | – | – | – | – |
| Bluestone | – | – | – | – | – | – | – | – | – | – | – | – |
| Citi | – | – | – | – | – | – | – | – | – | – | – | – |
| Commonwealth Bank |
– | – | – | – | – | – | – | – | – | – | – | – |
| Firstmac | – | – | – | – | – | – | – | – | – | – | – | – |
| Great Southern Bank |
– | – | – | – | – | – | – | – | – | – | – | – |
| HSBC | – | – | – | – | – | – | – | – | – | – | – | – |
| ING | – | – | – | – | – | – | – | – | – | – | – | – |
| Macquarie Bank | – | – | – | – | – | – | – | – | – | – | – | – |
| ME Bank | – | – | – | – | – | – | – | – | – | – | – | – |
| MyState Bank | – | – | – | – | – | – | – | – | – | – | – | – |
| NAB | – | – | – | – | – | – | – | – | – | – | – | – |
| Newcastle Permanent |
– | – | – | – | – | – | – | – | – | – | – | – |
| RACQ Bank | – | – | – | – | – | – | – | – | – | – | – | – |
| RAMS | – | – | – | – | – | – | – | – | – | – | – | – |
| Resimac | – | – | – | – | – | – | – | – | – | – | – | – |
| St. George Bank |
– | – | – | – | – | – | – | – | – | – | – | – |
| Suncorp Bank | – | – | – | – | – | – | – | – | – | – | – | – |
| UBank | – | – | – | – | – | – | – | – | – | – | – | – |
| Virgin Money | – | – | – | – | – | – | – | – | – | – | – | – |
| Westpac | – | – | – | – | – | – | – | – | – | – | – | – |
Annual interest rate increases for existing customers – current as at 13 February, 2025.
Interest rate tracker – December 2024
We did not see a cash rate increase in December 2024.
Interest rate tracker – November 2024
We did not see a cash rate increase in November 2024.
Interest rate tracker – October 2024
We did not see a cash rate increase in October 2024.
Interest rate tracker – September 2024
We did not see a cash rate increase in September 2024.
Interest rate tracker – August 2024
We did not see a cash rate increase in August 2024.
Interest rate tracker – July 2024
We did not see a cash rate increase in July 2024.
Interest rate tracker – May 2024
We did not see a cash rate increase in May 2024.
Interest rate tracker – March 2024
We did not see a cash rate increase in March 2024.
Interest rate tracker – February 2024
We did not see a cash rate increase in February 2024.
Annual interest rate changes 2023
The total rate increase for 2023 was 1.25% per annum, with the RBA deciding to increase the cash rate by 0.25% per annum in February, March, May, June and November (no changes announced in January, April, July, August, September, October and December).
Most lenders followed suit, which you can see in the table below.
- The RBA and lenders did not change the interest rates
- Same rate as the RBA
- Lower rate than the RBA
- Higher rate than the RBA
- Lender has not decided a rate yet
| Lender | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|
| RBA | 0.25% | 0.25% | – | 0.25% | 0.25% | – | – | – | – | 0.25% | – |
| Adelaide Bank | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| AMP Bank | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| ANZ | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Athena Home Loans |
0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Australian Military Bank |
0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Auswide Bank | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Bank Australia | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Bank First | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Bank of Melbourne | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Bank of Queensland | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Bank of Sydney | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| BankSA | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Bankwest | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Bendigo Bank | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Beyond Bank | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Bluestone | 0.25-0.29 | 0.25-0.29 | – | 0.25-0.40 | 0.25-0.30 | – | – | – | – | 0.25-0.35 | – |
| Citi | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Commonwealth Bank |
0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Firstmac | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Great Southern Bank |
0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| HSBC | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| ING | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Macquarie Bank | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| ME Bank | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| MyState Bank | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| NAB | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Newcastle Permanent |
0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| RACQ Bank | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| RAMS | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Resimac | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| St. George Bank |
0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Suncorp Bank | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| UBank | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Virgin Money | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
| Westpac | 0.25 | 0.25 | – | 0.25 | 0.25 | – | – | – | – | 0.25 | – |
Annual interest rate increases for existing customers.
Annual interest rate changes 2022
Interest rate tracker – February 2025The cash rate set by the RBA rose by 3.00% per annum in 2022.
- The RBA and lenders did not change the interest rates
- Same rate as the RBA
- Lower rate than the RBA
- Higher rate than the RBA
- Lender has not decided a rate yet
| Lender | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|
| RBA | 0.25% | 0.50% | 0.50% | 0.50% | 0.50% | 0.25% | 0.25% | 0.25% |
| Adelaide Bank | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| AMP Bank | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| ANZ | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Athena Home Loans |
0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Australian Military Bank |
0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Auswide Bank | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Bank Australia | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Bank First | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Bank of Melbourne | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Bank of Queensland | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Bank of Sydney | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| BankSA | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Bankwest | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Bendigo Bank | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Beyond Bank | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Bluestone | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Citi | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Commonwealth Bank |
0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Firstmac | 0.25 | 0.50 | 0.50 | 0.50 | 0.60 | 0.25 | 0.25 | 0.25 |
| Great Southern Bank |
0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| HSBC | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| ING | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Macquarie Bank | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| ME Bank | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| MyState Bank | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| NAB | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Newcastle Permanent |
0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| RACQ Bank | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| RAMS | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Resimac | 0.25 | 0.50 | 0.50 | 0.50 | 0.65 | 0.25 | 0.25 | 0.25 |
| St. George Bank |
0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Suncorp Bank | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| UBank | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Virgin Money | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
| Westpac | 0.25 | 0.50 | 0.50 | 0.50 | 0.50 | 0.25 | 0.25 | 0.25 |
Annual interest rate increases for existing customers.
Interest rate changes in 2025 have brought a sigh of relief to many homeowners.
But they also make it a great time to check in on your home loan – to see if it’s still working for you and whether your bank is adjusting your repayments the way you’d like.
Need advice on cashback offers? Wondering what to do when your fixed rate ends? Or just keen to review your options and see what all this means for you?
Information last updated 12 August, 2025.
About us
Finspo is an online mortgage broker, offering home loan solutions to clients Australia-wide. Our point of difference is that not only do you get a great Finspo mortgage broker, you also get a proposition supported by cutting-edge technology to give you a five-star mortgage broking experience.
