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[RateGap](/)every home loan rate lenders publish, compared

# After the Reserve Bank's increase

Which lenders have changed an advertised variable rate since the Bank announced on
  Tuesday 29 September.

Rates checked **Monday 2 November at 7:01 am** (Sydney time) · [browse all the data](/data)

On Tuesday 29 September, the Reserve Bank raised the cash rate target by
    **0.25 points** to 4.60%. Of 102 lenders read on both
    mornings, **79** now advertise a higher
    variable rate than before it, as at Monday 2 November. 71 are higher by the full 0.25 points or more.

A lender not listed as moved has not moved *as at this morning's read*. Lenders often
  take days or weeks. They can also change the loans they already have on a different day, and that
  is not in this data.

The Bank's own record: [its statement](https://www.rba.gov.au/media-releases/2026/mr-26-27.html)
  and [the cash rate table](https://www.rba.gov.au/statistics/cash-rate/).

## Who has moved

    Lenders whose advertised variable rate is higher than before the announcement

  | Lender | Before | Now | Change | First seen |
| --- | --- | --- | --- | --- |
| [AFG Home Loans - Retro](/lender/afg-home-loans-retro) | 6.46% | **6.74%** | +0.28 | Fri 9 Oct |
| [Central Murray Bank](/lender/central-murray-bank) | 5.99% | **6.24%** | +0.25 | Thu 1 Oct |
| [Aussie Select](/lender/aussie-select) | 6.28% | **6.53%** | +0.25 | Fri 2 Oct |
| [AMP - My AMP](/lender/amp-my-amp) | 5.99% | **6.24%** | +0.25 | Sat 3 Oct |
| [Bank of Queensland Limited](/lender/bank-of-queensland-limited) | 6.03% | **6.28%** | +0.25 | Sat 3 Oct |
| [BOQ Specialist](/lender/boq-specialist) | 8.02% | **8.27%** | +0.25 | Sat 3 Oct |
| [ME Bank - ME Go](/lender/me-bank-me-go) | 5.99% | **6.24%** | +0.25 | Sun 4 Oct |
| [Virgin Money](/lender/virgin-money) | 5.84% | **6.09%** | +0.25 | Sun 4 Oct |
| AFG Align | 6.78% | **7.03%** | +0.25 | Tue 6 Oct |
| AFG Commercial | 6.78% | **7.03%** | +0.25 | Tue 6 Oct |
| Connective Advance | 6.78% | **7.03%** | +0.25 | Tue 6 Oct |
| Finsure Thrive | 6.78% | **7.03%** | +0.25 | Tue 6 Oct |
| Paramount Edge | 6.78% | **7.03%** | +0.25 | Tue 6 Oct |
| Rate Money Elevate | 6.78% | **7.03%** | +0.25 | Tue 6 Oct |
| Thinktank | 6.78% | **7.03%** | +0.25 | Tue 6 Oct |
| Thinktank by LMG | 6.78% | **7.03%** | +0.25 | Tue 6 Oct |
| YBR Lending Solutions | 6.78% | **7.03%** | +0.25 | Tue 6 Oct |
| [Bendigo Bank](/lender/bendigo-bank) | 6.09% | **6.34%** | +0.25 | Wed 7 Oct |
| [Judo Bank](/lender/judo-bank) | 8.65% | **8.90%** | +0.25 | Wed 7 Oct |
| [Dnister](/lender/dnister) | 6.29% | **6.54%** | +0.25 | Thu 8 Oct |
| [Firstmac](/lender/firstmac) | 6.33% | **6.58%** | +0.25 | Thu 8 Oct |
| [LJ Hooker Home Loans](/lender/lj-hooker-home-loans) | 6.33% | **6.58%** | +0.25 | Thu 8 Oct |
| [loans.com.au](/lender/loans-com-au) | 5.94% | **6.19%** | +0.25 | Thu 8 Oct |
| [MCCA](/lender/mcca) | 6.18% | **6.43%** | +0.25 | Thu 8 Oct |
| [Up](/lender/up) | 5.95% | **6.20%** | +0.25 | Thu 8 Oct |
| [AFG Home Loans Alpha](/lender/afg-home-loans-alpha) | 6.09% | **6.34%** | +0.25 | Fri 9 Oct |
| [ANZ](/lender/anz) | 6.39% | **6.64%** | +0.25 | Fri 9 Oct |
| ANZ Plus | 6.25% | **6.50%** | +0.25 | Fri 9 Oct |
| [Aussie Elevate](/lender/aussie-elevate) | 6.09% | **6.34%** | +0.25 | Fri 9 Oct |
| [Auswide Bank Ltd](/lender/auswide-bank-ltd) | 6.04% | **6.29%** | +0.25 | Fri 9 Oct |
| [Bank of China](/lender/bank-of-china) | 5.93% | **6.18%** | +0.25 | Fri 9 Oct |
| [CommBank](/lender/commbank) | 6.09% | **6.34%** | +0.25 | Fri 9 Oct |
| [Connective Select](/lender/connective-select) | 6.09% | **6.34%** | +0.25 | Fri 9 Oct |
| [Greater Bank](/lender/greater-bank) | 5.84% | **6.09%** | +0.25 | Fri 9 Oct |
| [ING BANK (Australia) Ltd](/lender/ing-bank-australia-ltd) | 6.04% | **6.29%** | +0.25 | Fri 9 Oct |
| [Newcastle Permanent](/lender/newcastle-permanent) | 5.94% | **6.19%** | +0.25 | Fri 9 Oct |
| [NRMA Home Loans](/lender/nrma-home-loans) | 5.94% | **6.19%** | +0.25 | Fri 9 Oct |
| [Qantas Money Basic/Offset Home Loans](/lender/qantas-money-basic-offset-home-loans) | 6.03% | **6.28%** | +0.25 | Fri 9 Oct |
| [Tiimely Home](/lender/tiimely-home) | 5.95% | **6.20%** | +0.25 | Fri 9 Oct |
| [UBank](/lender/ubank) | 6.09% | **6.34%** | +0.25 | Fri 9 Oct |
| [Aussie Activate](/lender/aussie-activate) | 6.74% | **6.99%** | +0.25 | Sat 10 Oct |
| [Bank of Melbourne](/lender/bank-of-melbourne) | 6.29% | **6.54%** | +0.25 | Sat 10 Oct |
| [Bankwest](/lender/bankwest) | 6.19% | **6.44%** | +0.25 | Sat 10 Oct |
| [homeloans.com.au](/lender/homeloans-com-au) | 6.39% | **6.64%** | +0.25 | Sat 10 Oct |
| [Mortgage Choice Ignite](/lender/mortgage-choice-ignite) | 6.74% | **6.99%** | +0.25 | Sat 10 Oct |
| [NATIONAL AUSTRALIA BANK](/lender/national-australia-bank) | 6.04% | **6.29%** | +0.25 | Sat 10 Oct |
| [Pepper Money](/lender/pepper-money) | 6.74% | **6.99%** | +0.25 | Sat 10 Oct |
| [St.George Bank](/lender/st-george-bank) | 6.29% | **6.54%** | +0.25 | Sat 10 Oct |
| [Westpac](/lender/westpac) | 5.99% | **6.24%** | +0.25 | Sat 10 Oct |
| [BankSA](/lender/banksa) | 6.29% | **6.54%** | +0.25 | Sun 11 Oct |
| [bankWAW](/lender/bankwaw) | 5.99% | **6.24%** | +0.25 | Mon 12 Oct |
| [TMCU](/lender/tmcu) | 5.89% | **6.14%** | +0.25 | Mon 12 Oct |
| [Beyond Bank Australia](/lender/beyond-bank-australia) | 6.09% | **6.34%** | +0.25 | Tue 13 Oct |
| [Horizon Bank](/lender/horizon-bank) | 6.49% | **6.74%** | +0.25 | Tue 13 Oct |
| [People First and Heritage Bank](/lender/people-first-and-heritage-bank) | 5.99% | **6.24%** | +0.25 | Tue 13 Oct |
| [BCU Bank](/lender/bcu-bank) | 5.99% | **6.24%** | +0.25 | Wed 14 Oct |
| [P&N Bank](/lender/p-and-n-bank) | 6.13% | **6.38%** | +0.25 | Wed 14 Oct |
| [Darling Downs Bank](/lender/darling-downs-bank) | 6.39% | **6.64%** | +0.25 | Thu 15 Oct |
| [Hume Bank](/lender/hume-bank) | 5.99% | **6.24%** | +0.25 | Thu 15 Oct |
| [Macquarie Bank Limited](/lender/macquarie-bank-limited) | 6.04% | **6.29%** | +0.25 | Thu 15 Oct |
| [QBANK](/lender/qbank) | 5.99% | **6.24%** | +0.25 | Thu 15 Oct |
| [Coastline Bank](/lender/coastline-bank) | 6.14% | **6.39%** | +0.25 | Fri 16 Oct |
| [Qudos Bank](/lender/qudos-bank) | 6.13% | **6.38%** | +0.25 | Fri 16 Oct |
| Unloan | 5.89% | **6.14%** | +0.25 | Sat 17 Oct |
| [Connective Athena](/lender/connective-athena) | 6.04% | **6.29%** | +0.25 | Sun 18 Oct |
| [BNK Bank (Goldfields Money/BCHL)](/lender/bnk-bank-goldfields-money-bchl) | 6.05% | **6.30%** | +0.25 | Thu 22 Oct |
| [Regional Australia Bank](/lender/regional-australia-bank) | 5.89% | **6.14%** | +0.25 | Fri 23 Oct |
| [Summerland Bank](/lender/summerland-bank) | 5.89% | **6.14%** | +0.25 | Fri 23 Oct |
| [Cairns bank](/lender/cairns-bank) | 6.24% | **6.49%** | +0.25 | Wed 28 Oct |
| [La Trobe Financial](/lender/la-trobe-financial) | 6.79% | **7.04%** | +0.25 | Thu 29 Oct |
| [The Mac](/lender/the-mac) | 6.74% | **6.99%** | +0.25 | Sat 31 Oct |
| [Connective Complete](/lender/connective-complete) | 6.87% | **7.07%** | +0.20 | Thu 15 Oct |
| [RedZed](/lender/redzed) | 6.87% | **7.07%** | +0.20 | Thu 15 Oct |
| [ORDE Financial](/lender/orde-financial) | 6.84% | **6.99%** | +0.15 | Mon 5 Oct |
| [Bank of Sydney](/lender/bank-of-sydney) | 6.09% | **6.24%** | +0.15 | Fri 16 Oct |
| [Central West CUL](/lender/central-west-cul) | 6.19% | **6.34%** | +0.15 | Fri 30 Oct |
| [Bank of us](/lender/bank-of-us) | 6.14% | **6.24%** | +0.10 | Fri 16 Oct |
| [IMB Bank](/lender/imb-bank) | 5.99% | **6.04%** | +0.05 | Fri 9 Oct |
| [Gateway Bank](/lender/gateway-bank) | 5.89% | **5.94%** | +0.05 | Wed 14 Oct |

Each lender's lowest advertised variable rate for a loan to live in, paying it
  down, on the same loans before and now. Before is the read on Tuesday 29 September, the last
  one before the announcement.

## 23 lenders unchanged as at this morning

- [Apollo](/lender/apollo) (another rate rose)- [Arab Bank Australia Limited](/lender/arab-bank-australia-limited) (another rate rose)- [Athena Home Loans](/lender/athena-home-loans) (another rate rose)- [Bank Australia](/lender/bank-australia) (another rate rose)- [Bluestone Home Loans](/lender/bluestone-home-loans)- [Broken Hill Bank](/lender/broken-hill-bank) (another rate rose)- [CommFCU](/lender/commfcu) (another rate rose)- [Connective Elevate](/lender/connective-elevate)- [Easy Street](/lender/easy-street) (another rate rose)- [First Option Bank](/lender/first-option-bank)- [gmcu](/lender/gmcu)- [Homestar Finance Pty Ltd](/lender/homestar-finance-pty-ltd) (another rate rose)- [Liberty Financial](/lender/liberty-financial)- [Mortgage Choice Amplify](/lender/mortgage-choice-amplify)- [Mortgage Choice Freedom](/lender/mortgage-choice-freedom) (another rate rose)- [Mortgage Ezy](/lender/mortgage-ezy)- [Mortgage House](/lender/mortgage-house) (another rate rose)- [MoveBank](/lender/movebank)- [MyState Bank](/lender/mystate-bank) (another rate rose)- [RACQ Bank](/lender/racq-bank) (another rate rose)- [Resimac](/lender/resimac) (another rate rose)- [SWSbank](/lender/swsbank)- [Zeus](/lender/zeus)

Unchanged means its lowest advertised variable rate is within 0.01
    points of the read before the announcement. A note shows where another of its rates did move. It
    does not mean a lender has decided anything.

## Where the market stands now

[Variable rates today](/market/variable-rates),
  [what moved this week](/market/changes-this-week), and
  [every lender's own page](/lenders).
  [Read your own rate against them.](/)

  **How this is worked out, and what it does not tell you**

## How it is worked out

    1. Rates come from each lender's own feed under the Consumer Data Right, read each
    morning. Nobody types one in.
    2. A rate counts only if anyone could take it. Loans for particular groups, and lenders the
    capture cannot reach, are left out.
    3. Each loan counts once per profile, at its lowest advertised rate.
    4. Lenders are compared with themselves, on the same loans on both mornings. A loan that
    first appeared after the announcement has no "before" and is left out. A lender the capture could not
    reach on either morning is left out, not counted as unmoved.
    5. A move is a rate at least 0.01 points different from the read before the
    announcement.

## What it does not tell you

    - **Advertised rates, not offers.** A lender can say no.
    - **New-customer prices.** What existing customers pay is published
    nowhere.
    - **The rate is not the cost.** Fees sit outside it.
    [What a comparison rate adds](/research/comparison-rates).

The data is [free to download](/data), so any figure here can
  be checked.

The other questions

        - [Are you paying more than you need to?](/)
              your rate against every lender publishing one- [How fast should you pay it off?](/paying-it-off)
              term, extra repayments, interest only- [Don't have a loan yet?](/buying)
              what to look at before you pick one- [What does each lender advertise?](/lenders)
              every lender that publishes rates, a page each- [What moved this week?](/market/changes-this-week)
              which lenders changed an advertised rate- [Where do these numbers come from?](/data)
              every published rate, and how fresh it is

**Free, and not advice.** It knows only what the lender publishes, not what you could negotiate. A licensed broker does
    this for a living. [Who made this](/about).
    [What this site collects](/privacy).

      **More from the data**

Building something with this? There is
      [an API](/api), and [the data is free](/data).

This morning: [the market](/market),
    [variable rates](/market/variable-rates),
    [fixed rates](/market/fixed-rates) and
    [what moved this week](/market/changes-this-week).

Found in the data: [what lenders charge above 80%](/research/lvr-bands),
    [the rate a fixed loan rolls onto](/research/revert-rates) and
    [what a comparison rate adds](/research/comparison-rates). Also
    [what an offset costs](/research/offset-accounts), and
    [what investors pay on top](/research/investor-premium).