All July’s out-of-cycle mortgage rate changes

Adam Smith 9 July 2018 NEWS

June was a busy month for out-of-cycle moves, and July looks to be no different.

While the Reserve Bank chose to leave the official cash rate on hold for its 21st consecutive meeting in July, lenders are ramping up their activity. In June, an astonishing 13 lenders in the finder.com.au database moved on rates out-of-cycle with the RBA. Funding cost pressures are seeing lenders raise their rates, with the steepest hike in July at 25 basis points.

The good news is that it could be a great time to refinance your home loan. Check out the table below for all this month's out-of-cycle rate moves. We'll keep the table updated as lenders announce changes. If you see a better deal than you're currently getting, it could be time to make the switch.

Non-major lenders

LenderChangeLoans affectedDate effective
AMPUp by 0.08% - 0.17%Professional Package Variable Rate Home Loan (Owner Occupier + Investor, P&I + IO), Professional Package Line of Credit (Owner Occupier + Investor, IO), SuperEdge Loan - Variable, P&I + IO, Basic Package Variable Rate Loan (Owner Occupier + Investor, P&I + IO), Classic Club Variable Rate Loan (Owner Occupier + Investor, P&I + IO), Classic Club Introductory Variable Home Loan (Owner Occupier + Investor, P&I + IO), Classic Club Line of Credit Home Loan (Owner Occupier + Investor, IO), Essential Home Loan (Owner Occupier + Investor), Construction Loan (Owner Occupier + Investor, IO), Land Loan (Owner Occupier + Investor, P&I + IO)July 13
AussieUp by 0.05% - 0.10%Aussie Optimizer Construction Loan (Owner Occupier +Investor, P&I + IO), Aussie IQ Basic Home Loan (Owner Occupier +Investor, P&I + IO), Aussie IQ Offset Home Loan (Owner Occupier +Investor, P&I + IO)July 13
Bank of QueenslandUp by 0.09% - 0.15%Clear Path Line of Credit - Variable (Owner Occupier + Investor, IO), Clear Path Variable Rate Home Loan - Variable (Owner Occupier + Investor, P&I + IO), Economy Home Loan - Variable (Owner Occupier + Investor, P&I + IO), Standard Variable Rate Home Loan - Variable (Owner Occupier + Investor, P&I + IO), Discount Variable Rate Home Loan - Variable (Owner Occupier + Investor), First-Start Home Loan - (Owner Occupier, P&I + IO), Bridging Finance Loan , Home Loan Privileges Package - Standard Variable (Owner Occupier, P&I + IO), Home Loan Privileges Package - Variable Home Loan (Investor, P&I + IO), Home Loan Privileges Package - Line of Credit Facility (Owner Occupier + Investor, IO), Line of Credit - (Owner Occupier + Investor, IO)July 2
Bendigo BankUp by 0.10% - 0.86%Low Doc Variable Rate Loan (P&I) + Interest Only Term Loan, Home Equity Loan (Owner Occupier + Investor, IO), Green Generation Home Loan, Connect Package Home Loan (Owner Occupier + Investor, P&I + IO), Basic Variable Rate Home Loan (Owner Occupier + Investor, P&I + IO), Residential Variable Home Loan (Owner Occupier, P&I + IO), Investment Variable P&I + IOJuly 23
Delphi BankUp by 0.10%Investment Home Equity LoanJuly 31
Freedom LendDown by 0.10%Variable Home Loan - LVR <=70% + ≤ 70%(Owner Occupier + Investors, IO)July 22
Freedom LendUp by 0.05% - 0.20%Construction Loan - Owner Occupier + Investor ≤ 90% + ≤ 80%, Variable Home Loan - LVR ≤ 80% + <=70% + ≤ 70 (Owner Occupier + Investors, P&I + IO)July 22
Heritage BankUp by 0.05% - 0.30%Discount Variable Home Loan LVR <=80% , LVR <=90% , LVR <=95% (Owner Occupier + Investors, P&I + IO) New Customers Only, Standard Variable Home Loan - (Owner Occupier, P&I + Investors) New Customers Only, Advantage Package - Standard Variable LVR <=80% + <=90% + <=95% (Owner Occupier + Investors, P&I + IO) New Customers Only , Advantage Package - Living Equity (Owner Occupier, P&I + Investors) New Customers Only , Living Equity Line of Credit - Owner Occupier, P&I + Investors (New Customers Only), Heritage Bank Bridging Loan - Owner Occupier, P&I + Investors (New Customers Only)July 2
HomeloansUp by 0.12%MoniPower Variable Home Loan - LVR <=80% + LVR >80% (Owner Occupier + Investors, P&I + IO), MoniPower Alt Doc Variable Home Loan - Term Loan No LMI (Owner Occupier + Investors, P&I + IO), MoniPower Alt Doc Variable Home Loan - Term Loan (Owner Occupier + Investors, P&I + IO)July 26
IMB Down by 0.20%Essentials Home Loan - LVR <=80 (Investor, IO)July 6
Macquarie BankUp by 0.05% - 0.55%Basic Home Loan - LVR ≤ 80% + ≤ 90% + > 90% + up to 70% (Owner Occupier + Investor, P&I + IO), Offset Home Loan Package - LVR ≤ 80% + LVR ≤ 90% + LVR < 70% (Owner Occupier + Investor, P&I)July 10
Mortgage House Up by 0.05% - 0.32%Advantage Home Loan Mere Doc - LVR 70%, 60, Custo LVR 70% (Owner Occupier + Investor), Advantage Variable Home Loan COMBO - 70, LVR 80, LVR 95 Special (Owner Occupier + Investor, P&I), Investment Home Loan - Advantage Investment Standard Home Loan 80, Wealth Builder Investor Special Home LoanJuly 30
Mortgage HouseDown by 0.05%Advantage Home Loan 80 (Interest Only Option)July 30
Newcastle PermanentUp by 0.30%Premium Variable Rate Home Loan - (Investor, P&I)July 23
People's Choice Credit UnionUp by 0.10% - 0.15%Basic Variable (Owner Occupier + Investor, P&I + IO), Standard Variable Home Loan (Owner Occupier + Investor, P&I + IO), Home Loan Package - LOC $100,000 to $499,999, Line of CreditJuly 31
QBANKUp by 0.06%Mortgage Secured OverdraftJuly 4
Qudos BankDown by 0.10%Low Cost Home Loan - 20% or more deposit + At least 10% but less than 20% deposit (Owner Occupier)July 31
ReduceUp by 0.06% - 0.20%Rate Buster Escape Home Loan, Cash Back Rate Buster Escape Home LoanJuly 19
Service One Alliance BankUp by 0.10%Standard Variable Home Loan - < $50,000 + $50,000 - $249,999 + $250,000 - $499,999 + $500,000+ (Owner Occupier + Investor, P&I)July 26
State CustodiansUp by 0.04%Low Rate Home Loan with Offset - LVR up to 80%, 80% to 90%, Over 90% (Owner Occupier + Investor, P&I + IO), Low Rate LOC - LVR up to 80%, 80% to 90% (Owner Occupier + Investor, IO)July 27
SuncorpUp by 0.12% - 0.41%Suncorp Home Package Plus Home Loan - Special Offer $150k+ LVR <=90% (Owner Occupier, IO), Back to Basics Home Loan - Better Together Special Offer $150k+ LVR <=90% Incl. LMI (Owner Occupier, IO)July 20
Tic:Toc Up by 0.12%Live in Loan Variable Rate - Principal & Interest + Interest Only, Invest Loan Variable Rate Home Loan - Principal & Interest + Interest OnlyJuly 26
UBankDown by 0.03% - 0.10%UHomeLoan Variable Rate - Discounted Rate — borrowing between $200,000 and less than $700,000 + $700,000 or more (Owner Occupier, P&I)July 18
Yellow Brick RoadDown by 0.05% - 0.95%SMSF Loan - Variable (Investment), Empower Home Loan - LVR 70.01% to 80% + < 80% (Investor IO)July 24
Yellow Brick RoadUp by 0.05% - 0.10%Rate Smasher Home Loan, SMSF Loan - Variable (P&I + IO), Standard Variable - Owner Occupier + Investor, Empower Home Loan - LVR ≤ 70% + < 80% + < 70.01% - 80% + < 80.01% - 90% + < 90.01% - 95%, Above $150,000 + Above $100,000 + Up to $750,000 (Owner Occupier + Investor, P&I + IO), Empower Package Home Loan - LVR ≤ 70% + < 80% + < 70.01% - 80% + < 80.01% - 90% + < 90.01% - 95%, Above $150,000 + Up to $750,000 (Owner Occupier + Investor, P&I + IO)July 24
LenderChangeLoans affectedDate effective]
AussieDown by 0.10%Aussie IQ Basic Fixed Home Loan - 3 Years Fixed Rate (Owner Occupier + Investor, P&I + IO), Aussie IQ Offset Fixed Home Loan - 3 Years Fixed Rate (Owner Occupier +Investor, P&I + IO)July 13
Commonwealth BankDown by 0.10%Fixed Rate Home - 2, 3 Years Fixed Rate (Owner Occupier + Investor, P&I + IO), Wealth Package Fixed Home Loan - 2, 3 Years Fixed (Owner Occupier + Investor, P&I + IO)July 31
Freedom LendDown by 0.05% - 0.86%Fixed Loan -1, 2, 3, 4, 5 Years Fixed Rate LVR ≤ 80% + ≤ 90% + ≤ 95% (Owner Occupier + Investor, P&I + IO)July 22
Freedom LendUp by 0.10% - 0.20%Fixed Loan - 2, 4 Years Fixed Rate LVR ≤ 80% + ≤ 90% (Investor, P&I + IO)July 22
Heritage BankDown by 0.14% - 0.20%Fixed Rate Home Loan 2, 3, 5 Years Fixed Rate (Owner Occupier + Investors, P&I + IO) New Customers Only, Advantage Package - 2, 3 Years Fixed (Owner Occupier + Investors, P&I + IO) New Customers OnlyJuly 2
HomeloansDown by 0.21% - 0.63%Fixed Home Loan - 1, 2, 3 Years (Owner Occupier + Investors, P&I + IO)July 30
Macquarie BankDown by 0.10% - 0.45%Basic Fixed Home Loan - 1, 3, 4 Years Fixed Rate LVR ≤ 80% up to $750,000 (Owner Occupier + Investors, P&I), Offset Home Loan Package Fixed Loan -1, 3, 4 Years Fixed Rate LVR≤ 80% up to $750,000 (Owner Occupier + Investors, P&I)July 10
Macquarie BankUp by 0.10% - 0.35%Basic Fixed Home Loan - 1, 2, 3, 4, 5 Years Fixed Rate LVR ≤ 80% up to $750,000 (Owner Occupier + Investors, IO), Offset Home Loan Package Fixed Loan -1, 2, 3, 4, 5 Years Fixed Rate LVR ≤ 80% Up to $750,000 (Owner Occupier + Investors, P&I + IO)July 10
MyStateDown by 0.09%Fixed Rate Home Loan - 2 Years Fixed (LVR <=80% Owner Occupier, P&I + IO)July 5
People's Choice Credit UnionDown by 0.15% - 0.30%Investment Fixed - 2 Years (P&I + IO), Home Loan Package - 2 Years Fixed Package (Investor, P&I + IO)July 17
Qudos BankDown by 0.10%Fixed Rate - 4 Years (Owner Occupier)July 31
Reduce Down by 0.15% - 0.30%Home Loans Home Owners Dream Fixed - 1, 2, 3 Years Fixed LVR 80% (Owner Occupier), Home Loans Fixed Rate Wealth Maximizer - 2 Years FixedJuly 19
ReduceUp by 0.05%Home Loans Fixed Rate Wealth Maximizer - 3 Years FixedJuly 19
Suncorp Down by 0.10% - 0.30%Fixed Rate Home Loan - 2, 3 Years Fixed Rate (Owner Occupier + Investors, P&I + IO), Home Package Plus Fixed - 2, 3 Years Rate (Owner Occupier + Investor, P&I + IO), Interest in Advance Home Loan - 3 Years Interest in Advance (Investor, IO)July 20
Teachers Mutual Bank Up by 0.08% - 0.09%Fixed Option Home Loan - 1,2 ,3 Years (Owner Occupier)July 16
The Rock Building Society Down by 0.09%Standard Fixed Home Loan - 2 Years LVR <=80% (Owner Occupier)July 5
Tic:TocDown by 0.08% - 0.48%Live in Loan Fixed Rate Home Loan - 1, 2, 3, 4, 5 Years (Owner Occupier, P&I + IO), Invest Fixed Rate Loan - 1, 2, 3, 4, 5 Years Fixed (Principal & Interest + Interest Only)July 26
UniBankDown by 0.13% - 0.48%Fixed Home Loan - 4, 5 Years (Owner Occupier)July 16
UniBankUp by 0.08% - 0.70%Fixed Home Loan - 1, 2, 3 Years (Owner Occupier)July 16
Yellow Brick RoadDown by 0.05% - 0.55%Empower Home Loan - 1, 2, 3, 4, 5 Years Fixed (Owner Occupier IO), Investment Empower Home Loan - 1, 2, 3, 4, 5 Years Fixed (P&I + IO), Empower Package Home Loan - 1, 2, 3, 4, 5 Years Fixed LVR < 95% (Owner Occupier + Investors, P&I + IO)July 24
Yellow Brick RoadUp by 0.10% - 0.31%SMSF Loan - 1, 2, 3, 4, 5 Years Fixed (P&I), Empower Home Loan - 1, 2, 4, 5 Years Fixed LVR ≤ 95% (Owner Occupier P&I)July 24

With interest rates rising it's looking more and more like a good time to fix your interest rate. In fact, lenders are mainly raising their variable rates and some are actually dropping their fixed rates. Yet finder analysis of ABS data found that fixed rate loans have fallen to just 12% of the mortgage market.

But that could be changing, according to finder's money expert Bessie Hassan. “A rate rise is a matter of ‘when’ and not ‘if’ – with 84% of leading economists predicting the next cash rate move to be in a positive direction. With this in mind, now might be a good time to consider locking in your rate – especially given the number of out-of-cycle rate changes we’ve seen in recent weeks,” Ms Hassan said.

Rates will rise and many Australian borrowers will be hit hard. The best way to protect yourself is to refinance by comparing the many interest rates on finder and switching to a lower rate. It could save you thousands.

Compare refinance home loans today

Rates last updated October 22nd, 2018
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.64%
3.66%
$0
$0 p.a.
80%
A simple mortgage with a competitive interest rate and no application or monthly fees. Borrow up to $2 million from a convenient online lender.
3.59%
3.59%
$0
$0 p.a.
80%
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
3.57%
3.58%
$0
$0 p.a.
80%
Get a very low interest rate and pay fewer fees. Enjoy a fast online application process and add a 100% offset account for $10 a month.
3.59%
3.61%
$0
$0 p.a.
90%
Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. Available with just a 10% deposit.
3.69%
3.73%
$600
$0 p.a.
95%
A home loan with no ongoing fee and a redraw facility that you can borrow up to 95% LVR.
3.54%
3.57%
$0
$0 p.a.
80%
A competitive variable essentials interest rate product aimed at refinancers looking to switch to a lower rate.
3.64%
3.64%
$0
$0 p.a.
70%
A basic variable home loan that offers a competitive interest rate with no application fees and no ongoing fees.
3.54%
3.58%
$0
$0 p.a.
80%
Get a competitive rate, save on fees and access a 100% offset account plus redraw facility. $900 cashback offer.
3.64%
3.64%
$0
$0 p.a.
70%
A low interest rate home loan with no application or ongoing fees.
3.75%
3.75%
$0
$0 p.a.
70%
Pay no application or ongoing fees and get a flexible loan with the ability to split up to 6 times.
3.68%
3.82%
$0
$10 monthly ($120 p.a.)
80%
Get double Velocity Frequent Flyer Points with this mortgage to spend on flights and more (for a limited time, subject to eligibility requirements). Redraw facility available on this variable rate home loan. Competitive interest rate.
3.79%
3.80%
$0
$0 p.a.
90%
Get one free online redraw per month and pay no ongoing fees. Application fees are waived for loans above $150,000.
3.59%
3.62%
$0
$350 p.a.
90%
Get a low variable interest rate and buy a property with just a 10% deposit. 100% offset account attached.
3.49%
4.57%
$0
$395 p.a.
90%
Loans over $150000 get a discount off an already low fixed rate. Available for NSW, QLD and ACT residents only.
3.87%
3.91%
$0
$10 monthly ($120 p.a.)
90%
Get Velocity Frequent Flyer Points at settlement, monthly and every three years, plus the option to make up to $10,000 a year in extra repayments.
3.68%
3.70%
$0
$0 p.a.
80%
A competitive variable rate mortgage for owner occupiers that comes with a no fee debit card with a $5,000 limit.
3.64%
3.59%
$0
$0 p.a.
80%
Fast, 100% online application process. Very limited fees. Optional offset account (with fee).
3.74%
4.13%
$0
$349 p.a.
90%
Get a sharp rate plus package discounts and a 100% offset account.
3.69%
4.12%
$0
$395 p.a.
80%
Unlock a range of savings with this competitive package home loan offer. Offset account and redraw facility included.
3.84%
3.85%
$0
$0 p.a.
70%
Keep your LVR at 70% or below and enjoy a special discounted rate. Also, pay no application or ongoing fees.
3.64%
3.78%
$0
$10 monthly ($120 p.a.)
80%
Earn double Velocity Frequent Flyer Points on your mortgage for a limited time (subject to eligibility requirements). Plus, access a 100% offset account to save on interest.
3.79%
3.82%
$0
$0 p.a.
80%
An essentials variable investor mortgage with a high borrowing amount so you can fund a large purchase.
3.74%
3.74%
$0
$0 p.a.
80%
A basic owner-occupier home loan with a low variable rate that requires a 20% deposit.
3.68%
3.70%
$0
$0 p.a.
80%
This loan offers a competitive variable rate and a 100% offset account to help save you on interest repayments.
3.75%
4.00%
$0
$248 p.a.
70%
Borrowers with a 30% deposit can get this competitive rate.
3.70%
3.70%
$0
$0 p.a.
70%
Get a discount for keeping your LVR at $70 or below with this innovative online lender.
3.59%
3.58%
$0
$0 p.a.
80%
Apply online and get fast approval for this fixed rate, low-fee loan with redraw facilities. Add a 100% offset account for a small fee.
3.72%
4.10%
$0
$395 p.a.
80%
New borrowers or refinancers can get a discounted rate with this package loan. Bonus $1,500 cashback for refinancers.
3.84%
3.84%
$0
$0 p.a.
80%
Pay no application or ongoing fees and get access to a free redraw facility with this innovative online lender.
3.62%
3.62%
$0
$0 p.a.
95%
A low deposit mortgage with a competitive rate and plenty of flexibility. QLD residents only. Eligible borrowers can get a 15% discount on home and contents insurance for the life of their loan.
3.72%
3.74%
$0
$0 p.a.
80%
Save on interest by taking advantage of a 100% offset account along with no ongoing fees or application fees.
3.85%
3.85%
$0
$0 p.a.
80%
Pay no application and ongoing fees with Macquarie Bank Basic Home Loan. Split and redraw facilities included.
3.67%
3.69%
$0
$0 p.a.
80%
A great interest rate home loan offer with unlimited redraw and unlimited extra payments.
3.74%
3.74%
$0
$0 p.a.
110%
Pay no deposit or LMI and get a discounted rate with this family pledge loan. Requires a family member to act as guarantor. NSW, Qld and ACT only.
3.69%
4.08%
$0
$349 p.a.
90%
Package your loan with other AMP products and save on rates and fees.
3.71%
3.71%
$0
$0 p.a.
70%
A variable rate home loan that has a lot of flexible features. This loan has a 100% offset account.
4.13%
4.14%
$0
$0 p.a.
90%
Access a fee-free offset account and a special interest rate for investors.
3.89%
3.94%
$0
$0 p.a.
90%
Borrow up to 90% of the value of the property you're buying, and pay no application fee.
3.77%
3.79%
$0
$0 p.a.
90%
Buy your home with just a 10% deposit, few fees and a reasonable interest rate.
3.93%
3.94%
$0
$0 p.a.
80%
A low-fee line of credit loan from an online lender. Unlock the equity in your home and make interest-only repayments with a competitive rate.
3.99%
4.86%
$0
$0 p.a.
80%
Access a fee-free 100% offset account and pay no application or ongoing fees.
3.69%
4.54%
$0
$395 p.a.
90%
A fixed rate loan with a 100% offset account and the option to make additional repayments. Loans over $150000 receive a discounted rate. NSW, QLD and ACT residents only.
3.74%
3.74%
$0
$0 p.a.
80%
Pay no application or ongoing fees and get access to a redraw facility and flexible repayment schedule.
3.89%
3.91%
$0
$0 p.a.
80%
This variable rate loan keeps the features simple and fees low. This loan is offered by a 100% online lender.
3.59%
4.14%
$395
$0 p.a.
80%
A one year fixed rate offer with no ongoing bank fees.
3.94%
4.95%
$595
$0 p.a.
95%
Borrow up to 95% LVR of the value of the property you're buying and pay no application or ongoing fees.
4.04%
3.93%
$0
$0 p.a.
80%
Fix your rate for 1 year and make interest-only payments.
3.99%
4.62%
$395
$0 p.a.
80%
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
3.89%
4.24%
$0
$0 p.a.
80%
Fix your rate and minimise repayments for 2 years with this interest-only investor mortgage.
4.14%
4.81%
$0
$0 p.a.
80%
Pay no application fees and access a fee-free redraw facility with this fixed rate loan.
3.89%
3.94%
$0
$0 p.a.
80%
Pay no application or ongoing fee and borrow up to 80% LVR.
3.74%
4.01%
$395
$0 p.a.
80%
A competitive 3 year fixed rate with no ongoing bank fees.

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Credit services for Aussie Select, Aussie IQ and Aussie Optimizer products are provided by AHL Investments Pty Ltd ACN 105 265 861 Australian Credit Licence 246786 ("Aussie"), and its appointed credit representatives. Credit for Aussie Select products is provided by Residential Mortgage Group Pty Ltd ACN 152 378 133 Australian Credit Licence 414133 (“RMG”). RMG is a wholly-owned subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian Credit Licence 234945. Credit for Aussie Optimizer products is provided by Perpetual Limited ABN 86 000 431 827 (Lender). Credit for Aussie IQ is provided by Macquarie Bank Limited ABN 46 008 583 542 AFSL and Australian Credit Licence 237502. Home loans issued by the Lender are serviced by Macquarie Securitisation Limited ABN 16 003 297 336, Australian Credit Licence 237863 (MSL).

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