RBA Cash Rate Tracker | RateCity

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
	Freedom Variable Home Loan (Principal and Interest) (Amounts < $350k, LVR 70%-80%)	Advertised rate 3.54% Variable	Comparison rate* 3.62%	Details
	Fusion Home Loan (Principal and Interest) ($200k+, LVR 70%-80%)	Advertised rate 3.52% Variable	Comparison rate* 3.68%	Details
	Expect More Home Loan Package - Limited Time Offer SpecialAnnual package fee waived for the life of the loan. Apply before 30 June 2018.	Advertised rate 3.66% Variable	Comparison rate* 3.68%	Details
	Offset Home Loan (Refinance) (Principal and Interest) (LVR < 80%)	Advertised rate 3.72% Variable	Comparison rate* 3.74%	Details
	Mortgage Simplifier Home Loan (Principal and Interest) ($150k-$500k, LVR < 80%)	Advertised rate 3.73% Variable	Comparison rate* 3.76%	Details
	Variable Rate Home Loan (Principal and Interest) (Amounts < $750k, LVR 80%-90%)	Advertised rate 3.79% Variable	Comparison rate* 3.84%	Details
	Empower Home Loan (Principal and Interest) (LVR 70%-80%)	Advertised rate 3.85% Variable	Comparison rate* 3.85%	Details
	Reward Me Home Loan (Principal and Interest) ($75k-$500k, LVR < 80%) RewardsEarn 20,000 Velocity points for every $100k drawn at settlement. Earn a further 1,000 velocity points every month. Earn a further 30,000 velocity points every three years.	Advertised rate 3.73% Variable	Comparison rate* 3.87%	Enquire Now
	Home Loan	Advertised rate 3.89% Variable	Comparison rate* 3.89%	Email me when cut
	Select Standard Variable Home Loan (Principal and Interest) (Amounts < $500k, LVR < 80%) SpecialMeet with an Aussie Mortgage Broker and if you don’t think it was worth your while claim a $100 EFTPOS gift card. Eligibility criteria and terms and conditions apply. See aussie.com.au/promotions for details.	Advertised rate 3.69% Variable	Comparison rate* 3.89%	Details
	Variable Rate Investment Loan (Principal and Interest) (Amounts < $750k, LVR 70%-80%)	Advertised rate 3.89% Variable	Comparison rate* 3.93%	Details
	Fusion Investment Loan (Principal and Interest) ($200k+, LVR < 80%)	Advertised rate 3.82% Variable	Comparison rate* 3.98%	Details
	IQ Basic Investment Loan (Principal and Interest) (LVR < 70%) SpecialMeet with an Aussie Mortgage Broker and if you don’t think it was worth your while claim a $100 EFTPOS gift card. Eligibility criteria and terms and conditions apply. See aussie.com.au/promotions for details.	Advertised rate 3.99% Variable	Comparison rate* 4.00%	Enquire Now
	Health, Wealth & Happiness Home Loan (Principal and Interest)	Advertised rate 3.99% Variable	Comparison rate* 4.02%	Details
	UHomeLoan - Standard Variable (Principal and Interest)	Advertised rate 4.17% Variable	Comparison rate* 4.10%	Details
	Mortgage Simplifier Investment Loan (Principal and Interest) ($150k-$500k, LVR < 80%)	Advertised rate 4.14% Variable	Comparison rate* 4.16%	Details
	Empower Investment Loan (Principal and Interest) (LVR 70%-80%)	Advertised rate 4.19% Variable	Comparison rate* 4.19%	Details
	Standard Variable Home Loan (Principal and Interest)	Advertised rate 4.20% Variable	Comparison rate* 4.23%	Email me when cut
	Reward Me Investment Loan (Principal and Interest) ($75k-$500k, LVR < 80%) RewardsEarn 20,000 Velocity points for every $100k drawn at settlement. Earn a further 1,000 velocity points every month. Earn a further 30,000 velocity points every three years.	Advertised rate 4.09% Variable	Comparison rate* 4.23%	Enquire Now
	Variable Home Loan (Principal and Interest) ($250k+)	Advertised rate 4.20% Variable	Comparison rate* 4.24%	Details
	Variable Home Loan ($250k+) (Principal and Interest)	Advertised rate 4.20% Variable	Comparison rate* 4.24%	Details
	Variable Home Loan Special Discounted Interest Rate of 0.50%pa lower than the Standard Variable Home Loan	Advertised rate 4.24% Variable	Comparison rate* 4.26%	Details
	Offset Package Home Loan (Principal and Interest) (Amounts < $750k, LVR 80%-90%)	Advertised rate 4.05% Variable	Comparison rate* 4.30%	Details
	Investment Loan	Advertised rate 4.34% Variable	Comparison rate* 4.34%	Details
	Smart Pro Home Loan ($30k-$200k, LVR 80%-90%)	Advertised rate 4.18% Variable	Comparison rate* 4.35%	Details
	Premium Home Loan (3 Year Introductory Rate) ($250k+, LVR < 80%)	Advertised rate 3.69% Intro 36 months	Comparison rate* 4.38%	Details
	Select Standard Variable Investment Loan (Principal and Interest) (Amounts < $500k, LVR 70%-80%) SpecialMeet with an Aussie Mortgage Broker and if you don’t think it was worth your while claim a $100 EFTPOS gift card. Eligibility criteria and terms and conditions apply. See aussie.com.au/promotions for details.	Advertised rate 4.19% Variable	Comparison rate* 4.38%	Details
	Offset Investment Loan (Refinance) (Interest Only)	Advertised rate 4.37% Variable	Comparison rate* 4.39%	Details
	Wealth Builder Investment Loan (Principal and Interest)	Advertised rate 4.39% Variable	Comparison rate* 4.42%	Details
	SmartFit Home Loan (Principal and Interest) (LVR < 90%)	Advertised rate 4.21% Variable	Comparison rate* 4.43%	Details
	Investment Home Loan	Advertised rate 4.30% Variable	Comparison rate* 4.45%	Details
	Great Rate Variable Home Loan (NSW, ACT & QLD only)	Advertised rate 4.45% Variable	Comparison rate* 4.45%	Details
	Police Value Variable Rate Home Loan CashbackRefinance with Police Bank and they'll give you a $1500 bonus. Establishment fee for loan is waived if loan amount is over $50k.	Advertised rate 4.42% Variable	Comparison rate* 4.50%	Email me when cut
	Inv UHomeLoan Variable	Advertised rate 4.66% Variable	Comparison rate* 4.59%	View Now
	Essential Home Loan	Advertised rate 4.44% Variable	Comparison rate* 4.60%	Details
	Variable Rate Home Loan (LVR < 90%)	Advertised rate 4.58% Variable	Comparison rate* 4.62%	Details
	Premium Choice Home Loan (Principal and Interest) ($250k-$500k)	Advertised rate 4.59% Variable	Comparison rate* 4.62%	Details
	Standard Variable Investment Loan	Advertised rate 4.60% Variable	Comparison rate* 4.63%	Email me when cut
	Standard Variable Home Loan	Advertised rate 4.59% Variable	Comparison rate* 4.63%	Details
	Smart Pro Investment Loan ($30k-$200k, LVR 80%-90%)	Advertised rate 4.60% Variable	Comparison rate* 4.65%	Details
	Basic Variable Home Loan	Advertised rate 4.55% Variable	Comparison rate* 4.67%	Details
	Smooth Home Loan (LVR < 80%)	Advertised rate 4.64% Variable	Comparison rate* 4.67%	Details
	Standard Variable Home Loan (Principal and Interest) ($250k-$500k)	Advertised rate 4.55% Variable	Comparison rate* 4.68%	Details
	Variable Offset Home Loan	Advertised rate 4.67% Variable	Comparison rate* 4.73%	Details
	Great Rate Variable Investment Loan (Principal and Interest) (NSW, ACT & QLD only)	Advertised rate 4.73% Variable	Comparison rate* 4.73%	Details
	Variable Investment Loan	Advertised rate 4.74% Variable	Comparison rate* 4.74%	Details
	Liberty Star Home Loan (LVR 70%-80%)	Advertised rate 4.44% Variable	Comparison rate* 4.74%	Email me when cut
	Standard Variable Home Loan (LVR < 80%)	Advertised rate 4.69% Variable	Comparison rate* 4.74%	Details
	Variable Investment Loan ($250k+) (Principal and Interest)	Advertised rate 4.70% Variable	Comparison rate* 4.75%	Email me when cut
	Variable Investment Loan (Principal and Interest) ($250k+)	Advertised rate 4.70% Variable	Comparison rate* 4.75%	Email me when cut
	Smooth Home Loan (LVR 80%-90%)	Advertised rate 4.74% Variable	Comparison rate* 4.77%	Details
	Variable Home Loan ($250k+)	Advertised rate 4.69% Variable	Comparison rate* 4.78%	Email me when cut
	Standard Choice Home Loan (Principal and Interest)	Advertised rate 4.76% Variable	Comparison rate* 4.79%	Details
	Standard Choice Investment Loan (Principal and Interest)	Advertised rate 4.79% Variable	Comparison rate* 4.82%	Details
	Premium Home Loan SpecialApply for a 3 month break in repayments for environmental upgrades to your home	Advertised rate 4.82% Variable	Comparison rate* 4.86%	View Now
	Standard Variable Investment Loan (Principal and Interest) ($250k-$500k)	Advertised rate 4.75% Variable	Comparison rate* 4.88%	Details
	Standard Variable Rate Home Loan	Advertised rate 4.85% Variable	Comparison rate* 4.88%	Details
	Offset Package Investment Loan (Principal and Interest) (Amounts < $750k, LVR 80%-90%)	Advertised rate 4.64% Variable	Comparison rate* 4.88%	Details
	Standard Variable Home Loan	Advertised rate 4.85% Variable	Comparison rate* 4.93%	Details
	Classic Home Loan (Principal and Interest)	Advertised rate 4.99% Variable	Comparison rate* 4.99%	Details
	Premium Choice Investment Loan (Principal and Interest) ($250k-$500k)	Advertised rate 4.99% Variable	Comparison rate* 5.01%	Details
	Standard Variable Investment Loan (Principal and Interest)	Advertised rate 4.66% Variable	Comparison rate* 5.01%	Details
	Standard Variable Home Loan	Advertised rate 4.99% Variable	Comparison rate* 5.03%	Details
	Standard Variable Rate Home Loan	Advertised rate 5.00% Variable	Comparison rate* 5.05%	Details
	Flexible Home Loan (LVR < 80%)	Advertised rate 5.03% Variable	Comparison rate* 5.05%	Details
	Standard Variable Home Loan (QLD only) CashbackTake out a QBANK home loan before 14 October 2018 and you'll go in the draw to win a $5,000 housewarming gift.	Advertised rate 5.05% Variable	Comparison rate* 5.07%	Details
	Standard Variable Rate Home Loan	Advertised rate 5.08% Variable	Comparison rate* 5.08%	Details
	Standard Variable Home Loan (Principal and Interest)	Advertised rate 5.05% Variable	Comparison rate* 5.09%	Details
	Liberty Star Investment Loan (LVR 70%-80%)	Advertised rate 4.79% Variable	Comparison rate* 5.09%	Email me when cut
	SmartFit Investment Loan (Principal and Interest) (LVR < 90%)	Advertised rate 4.91% Variable	Comparison rate* 5.12%	Email me when cut
	Standard Variable Home Loan (Principal and Interest)	Advertised rate 5.10% Variable	Comparison rate* 5.14%	Details
	Real Option Home Loan (Principal and Interest) Cashback$1,500 cashback if you refinance from another financial institution, funded by 1 February 2019 with loan amount $250,000 or more and LVR at most 80%. Offer ends 30 November 2018.	Advertised rate 5.13% Variable	Comparison rate* 5.17%	Details
	Standard Variable Home Loan	Advertised rate 5.12% Variable	Comparison rate* 5.18%	Details
	No Fee Home Loan	Advertised rate 5.19% Variable	Comparison rate* 5.19%	Details
	Premium Investment Loan (Principal and Interest)	Advertised rate 5.17% Variable	Comparison rate* 5.21%	View Now
	Standard Variable Home Loan	Advertised rate 5.16% Variable	Comparison rate* 5.22%	Details
	Standard Variable Investment Loan	Advertised rate 5.19% Variable	Comparison rate* 5.23%	Email me when cut
	Variable Rate Investment Loan (LVR < 90%)	Advertised rate 5.19% Variable	Comparison rate* 5.23%	Email me when cut
	Standard Home Loan	Advertised rate 5.18% Variable	Comparison rate* 5.23%	Details
	Mortgage Offset Home Loan (Principal and Interest)	Advertised rate 5.22% Variable	Comparison rate* 5.24%	Details
	Standard Variable Home Loan	Advertised rate 5.17% Variable	Comparison rate* 5.24%	Details
	Standard Variable Investment Loan (LVR < 80%)	Advertised rate 5.19% Variable	Comparison rate* 5.24%	Details
	Standard Variable Rate Investment Loan	Advertised rate 5.25% Variable	Comparison rate* 5.28%	Details
	Standard Variable Home Loan SpecialNo application fee for new customers. Offer only available for new customers till 31st of May 2018.	Advertised rate 5.19% Variable	Comparison rate* 5.30%	View Now
	Standard Variable Home Loan (Principal and Interest) SpecialConveyancing fee rebate up to $1,000 for first home buyers. State or Territory government first home buyer concession recipients only with owner-occupier home loans over $250k. Apply by 31 Dec 2018.	Advertised rate 5.20% Variable	Comparison rate* 5.30%	Details
	Standard Variable Rate Home Loan (LVR < 90%)	Advertised rate 5.26% Variable	Comparison rate* 5.30%	Details
	Standard Variable Home Loan (Principal and Interest) (NSW and ACT only)	Advertised rate 5.27% Variable	Comparison rate* 5.32%	Details
	Standard Variable Rate Investment Loan	Advertised rate 5.33% Variable	Comparison rate* 5.33%	Details
	Standard Variable Investment Loan (Principal and Interest)	Advertised rate 5.30% Variable	Comparison rate* 5.34%	Details
	Standard Variable Home Loan (Principal and Interest)	Advertised rate 5.30% Variable	Comparison rate* 5.35%	Details
	Standard Variable Home Loan (Principal and Interest) CashbackEnjoy $2,000 cashback when you refinance your eligible home loan to CommBank. Only available on owner-occupied home loans with principal and interest repayments, all investment loans and all Viridian lines of credit. Refinancing of an existing Commonwealth Bank or Bankwest home loan is ineligible for this offer. Apply before 30 Nov 2018 and have loan funded by 31 Jan 2019.	Advertised rate 5.22% Variable	Comparison rate* 5.36%	Details
	Tailored Home Loan (Principal and Interest) Cashback$1,250 bonus with an eligible NAB home loan banking bundle.	Advertised rate 5.24% Variable	Comparison rate* 5.37%	Details
	Standard Variable Home Loan	Advertised rate 5.35% Variable	Comparison rate* 5.38%	Details
	Standard Variable Home Loan (Principal and Interest)	Advertised rate 5.32% Variable	Comparison rate* 5.39%	Details
	Standard Variable Rate Home Loan	Advertised rate 5.33% Variable	Comparison rate* 5.39%	Details
	Flexi Choice Home Loan	Advertised rate 5.36% Variable	Comparison rate* 5.41%	Details
	Flexi Choice Home Loan	Advertised rate 5.36% Variable	Comparison rate* 5.41%	Email me when cut
	Mortgage Shredder Home Loan (Principal and Interest) CashbackReceive $1,500 cashback for owner occupier or investor lending for aggregate new lending of $350k+ and for principal and interest repayments only, where LVR including LMI is less than 90%. Applications must be received by 30 November 2018.	Advertised rate 5.42% Variable	Comparison rate* 5.44%	Details
	Standard Variable Investment Loan CashbackTake out a QBANK home loan before 14 October 2018 and you'll go in the draw to win a $5,000 housewarming gift.	Advertised rate 5.40% Variable	Comparison rate* 5.47%	Details
	Full Feature Home Loan (Principal and Interest)	Advertised rate 5.41% Variable	Comparison rate* 5.48%	Details
	Pepper Essential Home Loan (Prime) (Principal and Interest) (LVR 90%-95%)	Advertised rate 4.99% Variable	Comparison rate* 5.51%	Details
	Standard Variable Home Loan (Principal and Interest)	Advertised rate 5.34% Variable	Comparison rate* 5.51%	Details
	Real Option Investment Loan (Principal and Interest) Cashback$1,500 cashback if you refinance from another financial institution, funded by 1 February 2019 with loan amount $250,000 or more and LVR at most 80%. Offer ends 30 November 2018.	Advertised rate 5.47% Variable	Comparison rate* 5.51%	Details
	Standard Variable Home Loan (Principal and Interest)	Advertised rate 5.35% Variable	Comparison rate* 5.52%	Details
	Rocket Repay Home Loan (Principal and Interest)	Advertised rate 5.38% Variable	Comparison rate* 5.52%	Enquire Now
	Standard Variable Home Loan (Principal and Interest)	Advertised rate 5.36% Variable	Comparison rate* 5.53%	Details
	Standard Variable Rate Investment Loan	Advertised rate 5.55% Variable	Comparison rate* 5.59%	Details
	Variable Home Loan (Principal and Interest)	Advertised rate 5.47% Variable	Comparison rate* 5.60%	Details
	Home Loan Plus (Principal and Interest)	Advertised rate 5.48% Variable	Comparison rate* 5.63%	Details
	Standard Investment Loan	Advertised rate 5.58% Variable	Comparison rate* 5.63%	Details
	Standard Variable Investment Loan	Advertised rate 5.57% Variable	Comparison rate* 5.64%	Details
	Standard Variable Investment Loan (Principal and Interest)	Advertised rate 5.60% Variable	Comparison rate* 5.64%	Details
	FlexiChoice Investment Loan (LVR 80%-90%)	Advertised rate 5.52% Variable	Comparison rate* 5.67%	Details
	Essentials Home Loan	Advertised rate 5.69% Variable	Comparison rate* 5.73%	Details
	Smart Home Loan	Advertised rate 5.62% Variable	Comparison rate* 5.75%	Details
	Smart Investment Loan	Advertised rate 5.62% Variable	Comparison rate* 5.75%	Details
	Residential Home Loan (Principal and Interest) (Amounts < $50k)	Advertised rate 5.58% Variable	Comparison rate* 5.76%	Details
	Classic Variable Home Loan (Principal and Interest)	Advertised rate 5.58% Variable	Comparison rate* 5.76%	Details
	Variable Home Loan (Interest Only)	Advertised rate 5.74% Variable	Comparison rate* 5.80%	Details
	Standard Variable Home Loan	Advertised rate 5.67% Variable	Comparison rate* 5.81%	Details
	Flexible Investment Loan (Principal and Interest) (LVR < 80%)	Advertised rate 5.79% Variable	Comparison rate* 5.81%	Details
	Residential Investment Home Loan (Principal and Interest)	Advertised rate 5.66% Variable	Comparison rate* 5.84%	Details
	Standard Variable Investment Loan (Principal and Interest) SpecialNo application fee for new customers. Offer only available for new customers till 31st of May 2018.	Advertised rate 5.74% Variable	Comparison rate* 5.84%	Details
	Standard Variable Rate Home Loan (Principal and Interest)	Advertised rate 5.70% Variable	Comparison rate* 5.86%	Details
	Standard Variable Investment Loan	Advertised rate 5.82% Variable	Comparison rate* 5.88%	Details
	Standard Variable Investment Loan (Principal and Interest) (NSW and ACT only)	Advertised rate 5.84% Variable	Comparison rate* 5.89%	Details
	Standard Variable Investment Loan (Principal and Interest) SpecialConveyancing fee rebate up to $1,000 for first home buyers. State or Territory government first home buyer concession recipients only with owner-occupier home loans over $250k. Apply by 31 Dec 2018.	Advertised rate 5.80% Variable	Comparison rate* 5.90%	Details
	Standard Variable Rate Home Loan	Advertised rate 5.72% Variable	Comparison rate* 5.91%	Details
	Tailored Investment Loan (Principal and Interest) Cashback$1,250 bonus with an eligible NAB home loan banking bundle.	Advertised rate 5.80% Variable	Comparison rate* 5.93%	Details
	Standard Variable Investment Loan (Principal and Interest) CashbackEnjoy $2,000 cashback when you refinance your eligible home loan to CommBank. Only available on owner-occupied home loans with principal and interest repayments, all investment loans and all Viridian lines of credit. Refinancing of an existing Commonwealth Bank or Bankwest home loan is ineligible for this offer. Apply before 30 Nov 2018 and have loan funded by 31 Jan 2019.	Advertised rate 5.80% Variable	Comparison rate* 5.94%	Details
	Standard Variable Investment Loan (Principal and Interest)	Advertised rate 5.82% Variable	Comparison rate* 5.95%	Details
	Standard Variable Home Loan (Principal and Interest)	Advertised rate 5.82% Variable	Comparison rate* 5.95%	Details
	Personal Purpose Standard Variable (Principal and Interest)	Advertised rate 5.77% Variable	Comparison rate* 5.96%	Details
	Full Feature Investment Loan (Principal and Interest)	Advertised rate 5.92% Variable	Comparison rate* 5.99%	Details
	Standard Variable Investment Loan (Principal and Interest)	Advertised rate 5.95% Variable	Comparison rate* 6.00%	Details
	Standard Investment Loan (Principal and Interest)	Advertised rate 5.89% Variable	Comparison rate* 6.01%	Details
	Standard Variable Rate Investment Loan (Principal and Interest)	Advertised rate 5.95% Variable	Comparison rate* 6.02%	Details
	Rocket Investment Loan (Principal and Interest)	Advertised rate 5.93% Variable	Comparison rate* 6.07%	Details
	Standard Variable Investment Loan (Principal and Interest)	Advertised rate 5.92% Variable	Comparison rate* 6.08%	Details
	Standard Variable Investment Loan (Principal and Interest)	Advertised rate 5.92% Variable	Comparison rate* 6.08%	Details
	Standard Variable Investment Loan (Principal and Interest)	Advertised rate 5.92% Variable	Comparison rate* 6.08%	Details
	Mortgage Shredder Investment Loan (Principal and Interest) CashbackReceive $1,500 cashback for owner occupier or investor lending for aggregate new lending of $350k+ and for principal and interest repayments only, where LVR including LMI is less than 90%. Applications must be received by 30 November 2018.	Advertised rate 6.07% Variable	Comparison rate* 6.09%	Details
	Investment Loan Plus (Principal and Interest)	Advertised rate 6.23% Variable	Comparison rate* 6.38%	Details
	Investment Purpose Standard Variable (Principal and Interest)	Advertised rate 6.24% Variable	Comparison rate* 6.40%	Details
	Standard Variable Rate Investment Loan (Principal and Interest)	Advertised rate 6.33% Variable	Comparison rate* 6.49%	Details
	Classic Variable Investment Loan (Principal and Interest)	Advertised rate 6.64% Variable	Comparison rate* 6.82%	Details

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