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Rate change tracker · Updated 4 October 2026

Home loan rate change tracker 2026

How fast do lenders pass on RBA rate rises?

Across the 4 RBA cash rate rises in 2026, the median lender lifted its variable home loan rates 10 days after the decision, Ratesniffers records from 173 lender rate changes. For the 29 September 2026 rise to 4.60%, 36 of the 46 lenders we track had announced a date as at 4 October 2026, and all four major banks moved 10 days after the decision.

10 daysmedian, 3 Feb rise (45 lenders)
10 daysmedian, 17 Mar rise (47 lenders)
10 daysmedian, 5 May rise (45 lenders)
10 daysmedian, 29 Sept rise (36 lenders)

29 September 2026 rise: lender by lender

The RBA lifted the cash rate by 0.25 percentage points to 4.60% on 29 September 2026. Each row is a lender's announced effective date for its variable rate change. A fixed rate does not change until its term ends.

LenderEffective dateDays after decisionNote
AMP2 October 20263new customers; existing later
Bank of Queensland2 October 20263existing customers only
ME Bank3 October 20264
Granite Home Loans6 October 2026n/avariable increase up to 0.15%
Firstmac7 October 20268
Great Southern Bank7 October 20268
Firefighters Mutual Bank8 October 20269
Health Professionals Bank8 October 20269
MyState Bank8 October 20269
Teachers Mutual Bank8 October 20269
UniBank8 October 20269
ANZ9 October 202610
Bank of Melbourne9 October 202610
BankSA9 October 202610
Bankwest9 October 202610
Commonwealth Bank9 October 202610
ING9 October 202610
Liberty9 October 202610
NAB9 October 202610
Newcastle Permanent9 October 202610
Pepper Money9 October 202610
Resimac9 October 202610
St George Bank9 October 202610
The Capricornian9 October 202610
Westpac9 October 202610
HSBC12 October 202613existing customers only
BCU13 October 202614
Beyond Bank13 October 202614
Heritage Bank13 October 202614existing customers only
P&N Bank13 October 202614
People First Bank13 October 202614
Australian Military Bank15 October 202616
Bank Australia15 October 202616
Bank of Sydney15 October 202616
Macquarie15 October 202616
QBANK15 October 202616
HomeStart Finance16 October 202617
Auswide BankNo change recordedn/ano change recorded
Bank of ChinaNo change recordedn/ano change recorded
Credit Union SANo change recordedn/ano change recorded
Hume BankNo change recordedn/ano change recorded
KeystartNo change recordedn/ano change recorded
La Trobe FinancialNo change recordedn/ano change recorded
Queensland Country BankNo change recordedn/ano change recorded
RedZedNo change recordedn/ano change recorded
UbankNo change recordedn/ano change recorded

Which lenders pass on rate rises fastest?

Average calendar days from the RBA decision to each lender's effective date, for lenders with a recorded change after at least three of the 4 rises in 2026. A lower number means borrowers with that lender felt the rise sooner.

LenderAverage daysRises recordedFastestSlowest
RedZed1.7313
AMP3.0433
Bank of Queensland3.0433
ME Bank5.84411
The Capricornian8.04610
Auswide Bank9.0399
Firstmac9.04810
MyState Bank9.0499
Ubank9.0399
ING9.34710
Great Southern Bank9.54810
ANZ10.041010
Bankwest10.041010
Commonwealth Bank10.041010
Liberty10.041010
NAB10.041010
Newcastle Permanent10.041010
Pepper Money10.041010
Resimac10.041010
Suncorp10.031010
Bank of China11.03915
Bank of Melbourne12.041014
BankSA12.041014
St George Bank12.041014
Westpac12.041014
Credit Union SA12.33915
Australian Military Bank12.73716
Heritage Bank13.041014
HSBC13.041313
BCU14.041315
P&N Bank14.041315
Firefighters Mutual Bank14.84927
Health Professionals Bank14.84927
Teachers Mutual Bank14.84927
UniBank14.84927
QBANK15.341317
Bank Australia15.541516
Macquarie16.541617
Hume Bank16.731322
Queensland Country Bank16.73927
Keystart17.331620
HomeStart Finance17.541621
Bank of Sydney18.841428
Beyond Bank19.541436
5 May 2026 rise to 4.35%: 45 lenders, median 10 days
LenderEffective dateDays after decisionNote
RedZed6 May 20261
AMP8 May 20263new customers; existing later
Bank of Queensland8 May 20263existing customers only
Granite Home Loans11 May 2026n/avariable increase up to 0.29%
The Capricornian11 May 20266
Auswide Bank14 May 20269
Bank of China14 May 20269
Credit Union SA14 May 20269
MyState Bank14 May 20269
Ubank14 May 20269
ANZ15 May 202610
Bank of Melbourne15 May 202610
BankSA15 May 202610
Bankwest15 May 202610
Commonwealth Bank15 May 202610
Firstmac15 May 202610
Great Southern Bank15 May 202610
ING15 May 202610
Liberty15 May 202610
NAB15 May 202610
Newcastle Permanent15 May 202610
Pepper Money15 May 202610
Resimac15 May 202610
St George Bank15 May 202610
Suncorp15 May 202610
Westpac15 May 202610
ME Bank16 May 202611
HSBC18 May 202613
BCU19 May 202614
Heritage Bank19 May 202614existing customers only
La Trobe Financial19 May 202614
P&N Bank19 May 202614
People First Bank19 May 202614
Queensland Country Bank19 May 202614
Bank Australia20 May 202615
Bank of Sydney22 May 202617
Macquarie22 May 202617
QBANK22 May 202617
Keystart25 May 202620
HomeStart Finance26 May 202621
Hume Bank27 May 202622
Firefighters Mutual Bank1 June 202627
Health Professionals Bank1 June 202627
Teachers Mutual Bank1 June 202627
UniBank1 June 202627
Beyond Bank10 June 202636
Australian Military BankNo change recordedn/ano change recorded
17 March 2026 rise to 4.10%: 47 lenders, median 10 days
LenderEffective dateDays after decisionNote
AMP20 March 20263new customers; existing later
Bank of Queensland20 March 20263existing customers only
RedZed20 March 20263
ME Bank21 March 20264
Granite Home Loans23 March 20266
Auswide Bank26 March 20269
Bank of China26 March 20269
Firefighters Mutual Bank26 March 20269
Firstmac26 March 20269
Health Professionals Bank26 March 20269
MyState Bank26 March 20269
Teachers Mutual Bank26 March 20269
Ubank26 March 20269
UniBank26 March 20269
ANZ27 March 202610
Bankwest27 March 202610
Commonwealth Bank27 March 202610
Great Southern Bank27 March 202610
Heritage Bank27 March 202610existing customers only
ING27 March 202610
Liberty27 March 202610
NAB27 March 202610
Newcastle Permanent27 March 202610
Pepper Money27 March 202610
Resimac27 March 202610
Suncorp27 March 202610
The Capricornian27 March 202610
BCU30 March 202613
HSBC30 March 202613
P&N Bank30 March 202613
QBANK30 March 202613
Bank of Melbourne31 March 202614
BankSA31 March 202614
Beyond Bank31 March 202614
St George Bank31 March 202614
Westpac31 March 202614
Australian Military Bank1 April 202615
Bank Australia1 April 202615
Credit Union SA1 April 202615
Hume Bank1 April 202615
La Trobe Financial1 April 202615
HomeStart Finance2 April 202616
Keystart2 April 202616
Macquarie2 April 202616
GMCU10 April 202624
Queensland Country Bank13 April 202627
Bank of Sydney14 April 202628
3 February 2026 rise to 3.85%: 45 lenders, median 10 days
LenderEffective dateDays after decisionNote
RedZed4 February 20261
AMP6 February 20263new customers; existing later
Bank of Queensland6 February 20263existing customers only
ME Bank7 February 20264
Granite Home Loans9 February 2026n/avariable increase 0.0035
The Capricornian9 February 20266
Australian Military Bank10 February 20267
GMCU10 February 20267
ING10 February 20267
Auswide Bank12 February 20269
Firstmac12 February 20269
MyState Bank12 February 20269
Queensland Country Bank12 February 20269
Ubank12 February 20269
ANZ13 February 202610
Bankwest13 February 202610
Commonwealth Bank13 February 202610
Great Southern Bank13 February 202610
Liberty13 February 202610
NAB13 February 202610
Newcastle Permanent13 February 202610
Pepper Money13 February 202610
Resimac13 February 202610
Suncorp13 February 202610
Credit Union SA16 February 202613
HSBC16 February 202613
Hume Bank16 February 202613
Bank of Melbourne17 February 202614
Bank of Sydney17 February 202614
BankSA17 February 202614
Beyond Bank17 February 202614
Firefighters Mutual Bank17 February 202614
Health Professionals Bank17 February 202614
Heritage Bank17 February 202614existing customers only
St George Bank17 February 202614
Teachers Mutual Bank17 February 202614
UniBank17 February 202614
Westpac17 February 202614
BCU18 February 202615
Bank of China18 February 202615
P&N Bank18 February 202615
QBANK18 February 202615
Bank Australia19 February 202616
HomeStart Finance19 February 202616
Keystart19 February 202616
Macquarie20 February 202617
La Trobe FinancialNo change recordedn/ano change recorded

Frequently asked

How long do banks take to pass on an RBA rate rise?

Across the 4 RBA cash rate rises in 2026, the median lender lifted its variable home loan rates 10 days after the decision, Ratesniffers records. The fastest moved within days; the slowest took up to 36 days.

When will my variable home loan rate go up after the RBA rise?

It depends on your lender. Each lender announces its own effective date. For the 29 September 2026 rise, 36 of the 46 lenders Ratesniffers tracks had announced a date as at 4 October 2026, with a median of 10 days after the decision. Find your lender in the table above.

Do fixed rate home loans change when the RBA moves?

No. A fixed rate stays the same until its fixed term ends. The changes on this page are to variable rates, which most lenders adjust after each RBA cash rate decision. Lenders usually adjust the minimum repayment on a variable loan automatically.

Cite this data: “Ratesniffers home loan rate change tracker, 4 October 2026, ratesniffers.com.au/insights/rate-change-tracker”. Days are calendar days from the RBA decision date to each lender's announced effective date. Lenders that had not announced a change are shown as no change recorded, not as pending.

Related:RBA cash rateWhich banks passed on the October riseVariable home loan ratesRepayment calculator

General information only. It does not take your objectives, financial situation or needs into account. Check your lender's own notice for the date your rate changes.

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