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RateCity’s RBA Cash Rate Tracker

Compare loans and calculate mortgage repayments

Last RBA meeting: 3 October 2017

Outcome: Cash rate held at 1.50%

Next RBA Meeting: 7 November 2017

Everything you need to know about the RBA cash rate

Eleven times a year, the Reserve Bank of Australia (RBA) meets to decide whether the cash rate should go up, down or remain the same – a decision which affects millions of Australians.

RateCity’s RBA Rate Tracker Page will help you find out when the RBA has changed rates and how it will affect you, including a comprehensive list of which lenders have moved their home loan interest rates following a change to the cash rate. You can also find out which lenders are offering the most competitive interest rates on the market, learn how to refinance your home loan and keep up-to-date of the latest RBA news.

So don’t sit around waiting for an email or a letter from your bank letting you know they’ve moved – our Rate Tracker page is updated as new rates are announced.

No time to check the website? Stay up to date with the latest RBA news by signing up to RateCity’s Rate Tracker email alerts, so you can be the first to know if your bank has changed their mortgage rates.

Company
Product
Advertised rate
Comparison rate*
View More
Reduce Home Loans
Advertised rate
3.39%Variable
Comparison rate*
3.39%
Details
Freedom Lend
Advertised rate
3.54%Variable
Comparison rate*
3.54%
Details
Bank of Sydney
Advertised rate
3.63%Variable
Comparison rate*
3.64%
View Now
loans.com.au
Advertised rate
3.72%Variable
Comparison rate*
3.74%
Details
iMortgage
Advertised rate
3.62%Variable
Comparison rate*
3.78%
Details
Yellow Brick Road
Advertised rate
3.79%Variable
Comparison rate*
3.79%
Details
Homestar Finance
Advertised rate
3.79%Variable
Comparison rate*
3.83%
Details
Homestar Finance
Advertised rate
3.79%Variable
Comparison rate*
3.83%
Details
Switzer Home Loans
Advertised rate
3.89%Variable
Comparison rate*
3.89%
Freedom Lend
Advertised rate
3.94%Variable
Comparison rate*
3.94%
Details
ING
Advertised rate
3.94%Variable
Comparison rate*
3.96%
Details
Aussie
Advertised rate
3.79%Variable
Comparison rate*
3.98%
Details
Aussie
Advertised rate
3.99%Variable
Comparison rate*
4.00%
Enquire Now
Virgin Money
Advertised rate
3.68%Variable
Comparison rate*
4.02%
Details
Australian Unity
Advertised rate
3.99%Variable
Comparison rate*
4.02%
View Now
UBank
Advertised rate
4.17%Variable
Comparison rate*
4.10%
Apply Now
Yellow Brick Road
Advertised rate
4.14%Variable
Comparison rate*
4.14%
Details
Ratebusters
Advertised rate
4.17%Variable
Comparison rate*
4.18%
Easy Street Financial Services
Advertised rate
4.20%Variable
Comparison rate*
4.23%
Virgin Money
Advertised rate
4.09%Variable
Comparison rate*
4.23%
Details
Illawarra Credit Union
Advertised rate
4.20%Variable
Comparison rate*
4.24%
Details
Select Encompass Credit Union
Advertised rate
4.24%Variable
Comparison rate*
4.24%
Details
Macquarie Bank
Advertised rate
3.99%Variable
Comparison rate*
4.24%
Details
Catalyst Money
Advertised rate
4.20%Variable
Comparison rate*
4.24%
Details
iMortgage
Advertised rate
4.12%Variable
Comparison rate*
4.28%
Details
Adelaide Bank
Advertised rate
4.09%Variable
Comparison rate*
4.31%
Details
Australian Unity
Advertised rate
4.29%Variable
Comparison rate*
4.32%
View Now
Switzer Home Loans
Advertised rate
4.34%Variable
Comparison rate*
4.34%
Details
RESI Mortgage Corp
Advertised rate
4.18%Variable
Comparison rate*
4.35%
Details
Greater Bank
Advertised rate
4.36%Variable
Comparison rate*
4.36%
Details
Summerland Credit Union
Advertised rate
3.97%Variable
Comparison rate*
4.38%
Details
Click Loans
Advertised rate
4.38%Variable
Comparison rate*
4.41%
Aussie
Advertised rate
4.29%Variable
Comparison rate*
4.48%
Details
loans.com.au
Advertised rate
4.47%Variable
Comparison rate*
4.49%
Details
Police Bank
Advertised rate
4.42%Variable
Comparison rate*
4.50%
Firstmac
Advertised rate
4.49%Variable
Comparison rate*
4.52%
Details
Ratebusters
Advertised rate
4.47%Variable
Comparison rate*
4.55%
SERVICE ONE Alliance Bank
Advertised rate
4.45%Variable
Comparison rate*
4.58%
Details
UBank
Advertised rate
4.66%Variable
Comparison rate*
4.59%
Apply Now
My Credit Union
Advertised rate
4.54%Variable
Comparison rate*
4.60%
Details
The Capricornian
Advertised rate
4.59%Variable
Comparison rate*
4.62%
Details
Qudos Bank
Advertised rate
4.58%Variable
Comparison rate*
4.62%
Details
Easy Street Financial Services
Advertised rate
4.60%Variable
Comparison rate*
4.63%
BankVic
Advertised rate
4.59%Variable
Comparison rate*
4.63%
Details
Greater Bank
Advertised rate
4.64%Variable
Comparison rate*
4.64%
Details
Liberty Financial
Advertised rate
4.34%Variable
Comparison rate*
4.64%
RESI Mortgage Corp
Advertised rate
4.60%Variable
Comparison rate*
4.65%
Details
Hunter United
Advertised rate
4.55%Variable
Comparison rate*
4.67%
Details
P&N Bank
Advertised rate
4.64%Variable
Comparison rate*
4.67%
Details
Defence Bank
Advertised rate
4.52%Variable
Comparison rate*
4.68%
Details
ING
Advertised rate
4.69%Variable
Comparison rate*
4.71%
Details
Queenslanders Credit Union
Advertised rate
4.68%Variable
Comparison rate*
4.72%
Details
Firstmac
Advertised rate
4.69%Variable
Comparison rate*
4.72%
Details
Illawarra Credit Union
Advertised rate
4.70%Variable
Comparison rate*
4.74%
FCCS Credit Union
Advertised rate
4.69%Variable
Comparison rate*
4.74%
Details
Victoria Teachers Mutual Bank
Advertised rate
4.69%Variable
Comparison rate*
4.74%
Details
Catalyst Money
Advertised rate
4.70%Variable
Comparison rate*
4.75%
Australian Military Bank
Advertised rate
4.69%Variable
Comparison rate*
4.75%
Details
P&N Bank
Advertised rate
4.74%Variable
Comparison rate*
4.77%
Details
Macquarie Bank
Advertised rate
4.54%Variable
Comparison rate*
4.78%
Details
The Mac
Advertised rate
4.69%Variable
Comparison rate*
4.78%
Bank Australia
Advertised rate
4.82%Variable
Comparison rate*
4.86%
View Now
MOVE - People Driven Banking
Advertised rate
4.85%Variable
Comparison rate*
4.88%
Details
CUA
Advertised rate
4.84%Variable
Comparison rate*
4.89%
Details
Family First Credit Union
Advertised rate
4.85%Variable
Comparison rate*
4.93%
Details
Liberty Financial
Advertised rate
4.69%Variable
Comparison rate*
4.99%
Adelaide Bank
Advertised rate
4.79%Variable
Comparison rate*
5.00%
QBANK
Advertised rate
4.99%Variable
Comparison rate*
5.00%
Details
Citi
Advertised rate
4.66%Variable
Comparison rate*
5.01%
Details
First Option Credit Union
Advertised rate
4.99%Variable
Comparison rate*
5.01%
Details
The Capricornian
Advertised rate
4.99%Variable
Comparison rate*
5.01%
Details
Macquarie Credit Union
Advertised rate
4.99%Variable
Comparison rate*
5.03%
Details
Coastline Credit Union
Advertised rate
5.04%Variable
Comparison rate*
5.04%
Details
FCCS Credit Union
Advertised rate
4.99%Variable
Comparison rate*
5.04%
Details
ME Bank
Advertised rate
5.03%Variable
Comparison rate*
5.05%
Details
SCU
Advertised rate
5.00%Variable
Comparison rate*
5.05%
Details
The Mutual
Advertised rate
5.08%Variable
Comparison rate*
5.08%
Details
Gateway Credit Union
Advertised rate
5.03%Variable
Comparison rate*
5.09%
Details
Newcastle Permanent
Advertised rate
5.05%Variable
Comparison rate*
5.09%
Details
Newcastle Permanent
Advertised rate
5.05%Variable
Comparison rate*
5.09%
Details
bcu
Advertised rate
5.05%Variable
Comparison rate*
5.09%
Details
Horizon Credit Union
Advertised rate
5.09%Variable
Comparison rate*
5.10%
Details
Hume Bank
Advertised rate
5.10%Variable
Comparison rate*
5.14%
Details
Bank Australia
Advertised rate
5.17%Variable
Comparison rate*
5.21%
View Now
Transport Mutual Credit Union
Advertised rate
5.16%Variable
Comparison rate*
5.22%
Details
SERVICE ONE Alliance Bank
Advertised rate
5.10%Variable
Comparison rate*
5.23%
Details
Qudos Bank
Advertised rate
5.19%Variable
Comparison rate*
5.23%
Southern Cross Credit Union
Advertised rate
5.18%Variable
Comparison rate*
5.23%
Details
BankVic
Advertised rate
5.19%Variable
Comparison rate*
5.23%
IMB Bank
Advertised rate
5.19%Variable
Comparison rate*
5.24%
Details
Beyond Bank
Advertised rate
5.20%Variable
Comparison rate*
5.24%
Details
Regional Australia Bank
Advertised rate
5.22%Variable
Comparison rate*
5.24%
Details
Northern Beaches Credit Union
Advertised rate
5.17%Variable
Comparison rate*
5.24%
Details
Community First Credit Union
Advertised rate
5.17%Variable
Comparison rate*
5.24%
Details
Victoria Teachers Mutual Bank
Advertised rate
5.19%Variable
Comparison rate*
5.24%
Details
People's Choice Credit Union
Advertised rate
5.20%Variable
Comparison rate*
5.25%
Details
G&C Mutual Bank
Advertised rate
5.23%Variable
Comparison rate*
5.26%
Details
MOVE - People Driven Banking
Advertised rate
5.25%Variable
Comparison rate*
5.28%
Details
HSBC
Advertised rate
5.23%Variable
Comparison rate*
5.29%
Details
Heritage Bank
Advertised rate
5.14%Variable
Comparison rate*
5.29%
View Now
ANZ
Advertised rate
5.20%Variable
Comparison rate*
5.30%
Details
MyState
Advertised rate
5.23%Variable
Comparison rate*
5.30%
Details
QBANK
Advertised rate
5.24%Variable
Comparison rate*
5.31%
Details
Big Sky Building Society
Advertised rate
5.29%Variable
Comparison rate*
5.32%
Details
The Mutual
Advertised rate
5.33%Variable
Comparison rate*
5.33%
Details
RAMS
Advertised rate
5.27%Variable
Comparison rate*
5.34%
Details
Bank of us
Advertised rate
5.22%Variable
Comparison rate*
5.35%
Details
Australian Military Bank
Advertised rate
5.20%Variable
Comparison rate*
5.35%
Details
Horizon Credit Union
Advertised rate
5.34%Variable
Comparison rate*
5.35%
Details
Commonwealth Bank
Advertised rate
5.22%Variable
Comparison rate*
5.36%
Details
Bank of Melbourne
Advertised rate
5.20%Variable
Comparison rate*
5.37%
Details
NAB
Advertised rate
5.24%Variable
Comparison rate*
5.37%
Enquire Now
Westpac
Advertised rate
5.24%Variable
Comparison rate*
5.38%
Details
Southern Cross Credit Union
Advertised rate
5.33%Variable
Comparison rate*
5.38%
Details
BankSA
Advertised rate
5.21%Variable
Comparison rate*
5.38%
Details
St.George Bank
Advertised rate
5.22%Variable
Comparison rate*
5.39%
Details
Teachers Mutual Bank
Advertised rate
5.36%Variable
Comparison rate*
5.41%
Details
UniBank
Advertised rate
5.36%Variable
Comparison rate*
5.41%
Bankwest
Advertised rate
5.42%Variable
Comparison rate*
5.44%
Details
Pepper
Advertised rate
4.99%Variable
Comparison rate*
5.49%
Details
Delphi Bank
Advertised rate
5.37%Variable
Comparison rate*
5.49%
Details
Community First Credit Union
Advertised rate
5.42%Variable
Comparison rate*
5.49%
Details
Beyond Bank
Advertised rate
5.49%Variable
Comparison rate*
5.53%
Details
Northern Inland CU
Advertised rate
5.43%Variable
Comparison rate*
5.56%
Details
Auswide Bank
Advertised rate
5.43%Variable
Comparison rate*
5.58%
Details
Arab Bank
Advertised rate
5.59%Variable
Comparison rate*
5.63%
Details
Northern Beaches Credit Union
Advertised rate
5.57%Variable
Comparison rate*
5.64%
Details
Hume Bank
Advertised rate
5.60%Variable
Comparison rate*
5.64%
Details
Coastline Credit Union
Advertised rate
5.59%Variable
Comparison rate*
5.65%
Details
Bendigo Bank
Advertised rate
5.48%Variable
Comparison rate*
5.66%
Details
AMP Bank
Advertised rate
5.50%Variable
Comparison rate*
5.67%
Details
Bank of us
Advertised rate
5.52%Variable
Comparison rate*
5.67%
Details
Gateway Credit Union
Advertised rate
5.67%Variable
Comparison rate*
5.73%
Details
Suncorp Bank
Advertised rate
5.55%Variable
Comparison rate*
5.74%
Details
IMB Bank
Advertised rate
5.76%Variable
Comparison rate*
5.81%
Details
ME Bank
Advertised rate
5.79%Variable
Comparison rate*
5.81%
Details
Citi
Advertised rate
5.67%Variable
Comparison rate*
5.81%
Details
Bank of Sydney
Advertised rate
5.64%Variable
Comparison rate*
5.82%
Details
Heritage Bank
Advertised rate
5.69%Variable
Comparison rate*
5.83%
Details
RAMS
Advertised rate
5.78%Variable
Comparison rate*
5.85%
Details
The Rock Building Society
Advertised rate
5.73%Variable
Comparison rate*
5.86%
Details
The Rock Building Society
Advertised rate
5.73%Variable
Comparison rate*
5.86%
Details
Big Sky Building Society
Advertised rate
5.85%Variable
Comparison rate*
5.88%
Details
ANZ
Advertised rate
5.80%Variable
Comparison rate*
5.90%
Details
People's Choice Credit Union
Advertised rate
5.85%Variable
Comparison rate*
5.90%
Details
HSBC
Advertised rate
5.85%Variable
Comparison rate*
5.92%
Details
Westpac
Advertised rate
5.79%Variable
Comparison rate*
5.93%
Details
NAB
Advertised rate
5.80%Variable
Comparison rate*
5.93%
Enquire Now
Bank of Melbourne
Advertised rate
5.78%Variable
Comparison rate*
5.94%
Details
BankSA
Advertised rate
5.78%Variable
Comparison rate*
5.94%
Details
St.George Bank
Advertised rate
5.78%Variable
Comparison rate*
5.94%
Details
Commonwealth Bank
Advertised rate
5.80%Variable
Comparison rate*
5.94%
Details
BOQ
Advertised rate
6.01%Variable
Comparison rate*
5.94%
Details
Northern Inland CU
Advertised rate
5.83%Variable
Comparison rate*
5.96%
Details
Holiday Coast Credit Union
Advertised rate
5.89%Variable
Comparison rate*
6.01%
Details
Bankwest
Advertised rate
6.07%Variable
Comparison rate*
6.09%
Details
bcu
Advertised rate
5.30%Variable
Comparison rate*
6.10%
Details
Suncorp Bank
Advertised rate
5.99%Variable
Comparison rate*
6.15%
Details
Delphi Bank
Advertised rate
6.01%Variable
Comparison rate*
6.19%
Details
Auswide Bank
Advertised rate
6.10%Variable
Comparison rate*
6.25%
Details
BOQ
Advertised rate
6.18%Variable
Comparison rate*
6.34%
Details
AMP Bank
Advertised rate
6.47%Variable
Comparison rate*
6.64%
Details
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