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

Posted: 9 July 2018 1:32 pm
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

Data indicated here is updated regularly
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Loan purpose
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Loan type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
2.59%
2.59%
$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.
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
2.64%
2.66%
$500 (waived for loans above $150,000)
$0 p.a.
80%
Refinancers borrowing $250,000 or more can get a $2,000 cashback per property (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
loans.com.au Smart Home Loan - (Owner Occupier, P&I)
2.57%
2.59%
$0
$0 p.a.
80%
Get a low variable interest rate and pay 0 application or ongoing fees with this convenient online lender.
HSBC Home Value Loan - Promotional Offer (Owner Occupier P&I)
2.65%
2.66%
$0
$0 p.a.
80%
Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online.
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)
2.78%
2.79%
$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. Refinance to an eligible Suncorp loan and get a cashback of $2,000 or $3,000, depending on your loan amount. Other conditions apply.
ME Flexible Home Loan Fixed with Members Package - 2 Year Fixed Rate LVR <= 80% (Owner Occupier, P&I)
2.49%
3.41%
$0
$395 p.a.
80%
Lock in a competitive rate for owner occupiers for two years. Comes with a 100% offset account.
Virgin Money Reward Me Fixed Rate Home Loan - 2 Year $300k+ Special offer (Owner Occupier, P&I)
2.29%
2.91%
$300
$10 monthly ($120 p.a.)
80%
Buy your home and lock in a low rate for the first two years. Get a $2,500 cashback when you switch to Virgin Money with a loan amount of $300,000 or more with an LVR up to 80%. You must apply by 28 August and settle by 30 October 2020.
Bankwest Complete Home Loan Package Variable - $200k to <$750k LVR <=80% (Owner Occupier, P&I)
2.73%
3.18%
$0
$395 p.a.
80%
A low variable rate loan with a 100% offset account and package discounts.
Bank of Melbourne Basic Home Loan - Special Offer (Owner Occupiers, P&I) LVR above 60% up to 80%
2.64%
2.66%
$500 (waived for loans above $150,000)
$0 p.a.
80%
Refinancers borrowing $250,000 or more can get a $2,000 cashback per property (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
HSBC Home Value Loan - Promotional Offer LVR 90% (Owner Occupier, P&I)
2.80%
2.81%
$0
$0 p.a.
90%
A competitive value home loan with no ongoing fee.
Hunter United No Regrets Home Loan - Owner Occupier
2.79%
2.79%
$0
$0 p.a.
90%
Home buyers can get a competitive variable rate loan with a 100% offset account and low fees.
Virgin Money Reward Me Variable Home Loan - LVR <= 60% ($750k+ Owner Occupier, P&I)
2.60%
2.77%
$300
$10 monthly ($120 p.a.)
60%
A competitive variable rate loan for home buyers with large deposits. Get a $2,500 cashback when you switch to Virgin Money with a loan amount of $300,000 or more with an LVR up to 80%. You must apply by 28 August and settle by 30 October 2020.
Bluestone Prime Direct (Owner Occupier, P&I)
2.59%
2.86%
$590
$15 monthly ($180 p.a.)
70%
Bluestone's Prime Direct is a competitive variable rate home loan for borrowers with 30% deposits.
BankSA Basic Home Loan - Promotional Rate (Owner Occupier, P&I)
2.64%
2.66%
$500 (waived for loans above $150,000)
$0 p.a.
80%
Refinancers borrowing $200,000 or more can get a $2,000 cashback per property (Other terms, conditions and exclusions apply). Buyers and refinancers can get this competitive variable interest rate. A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
IMB Budget Home Loan - Special LVR <=90% (Owner Occupier, P&I, NSW and ACT borrowers only)
2.78%
2.84%
$449
$0 p.a.
90%
NSW and ACT customers only. You can get an interest rate discount for a limited time with this competitive variable mortgage.
Greater Bank Great Rate Discount Variable with Family Pledge Home Loan - Up to 110% LVR
2.94%
2.95%
$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.
Well Home Loans Balanced Fixed Home Loan - 2 Year (Owner occupier, P&I)
2.22%
2.46%
$250
$0 p.a.
90%
A low fixed mortgage with an optional 100% offset account. Not available for construction purposes.
loans.com.au Essentials - Variable (Owner Occupier, P&I)
2.79%
2.81%
$0
$0 p.a.
90%
A simple mortgage with a competitive interest rate and no application or monthly fees. Borrow up to $1000000 from a convenient online lender.
Newcastle Permanent Building Society Fixed Rate Home Loan - 1 Year Fixed (Owner Occupier, P&I)
2.49%
4.12%
$595
$0 p.a.
90%
Investors can take advantage of a short term fixed rate with no ongoing fees.
Greater Bank Great Rate Home Loan - Discounted 1 Year Fixed LVR ≤80% ($150K+ Owner Occupier)
2.09%
3.53%
$0
$0 p.a.
80%
Get one of the lowest rates on the market with this fixed rate mortgage. Available with just a 10% deposit. Guarantor option available. NSW, QLD and ACT residents only.
UBank UHomeLoan - 3 Year Fixed Rate (Owner Occupier, P&I)
2.14%
2.59%
$395
$0 p.a.
80%
A competitive fixed interest rate loan with no ongoing fees. Requires a 20% deposit.
Well Home Loans Balanced Variable - LVR 90% (Owner occupier, P&I)
2.67%
2.70%
$250
$0 p.a.
90%
A very low variable interest rate for borrowers with a 10% deposit. Add a 100% offset account for $10 a month. Not available for construction purposes.
Newcastle Permanent Building Society  Premium Plus Package Fixed Rate - 2 Year Fixed (Owner Occupier, P&I)
2.44%
3.76%
$0
$395 p.a.
95%
Enjoy a discounted fixed rate and the ability to package the loan with other financial products.
UBank UHomeLoan - 1 Year Fixed Rate (Owner Occupier, P&I)
2.14%
2.69%
$395
$0 p.a.
80%
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.
Well Home Loans Balanced Fixed Home Loan - 3 Year (Owner Occupier, P&I)
2.27%
2.45%
$250
$0 p.a.
90%
A low 3 year fixed rate for home buyers. Add a 100% offset account with a $10 monthly fee. Not available for construction purposes.
ME Flexible Home Loan With Member Package - LVR <=80% $400k up to $699,999 (Owner Occupier, P&I)
2.84%
3.29%
$0
$395 p.a.
80%
Unlock a range of savings with this competitive package home loan offer. Offset account and redraw facility included.
IMB Fixed Rate Home Loan - 2 Year Fixed (LVR 90% Owner Occupier, P&I, NSW and ACT borrowers only)
2.39%
3.14%
$449
$6 monthly ($72 p.a.)
90%
NSW and ACT customers only. 2 years fixed interest terms and free access to redraw facility online. Available with a 5% deposit.
ME Flexible Home Loan Fixed - 3 Year Fixed Rate LVR <= 80% (Owner Occupier, P&I)
2.74%
3.93%
$0
$0 p.a.
80%
Pay no application fees and access a fee-free redraw facility with this fixed rate loan.
Well Home Loans Balanced Variable - LVR 80% (Owner occupier, P&I)
2.47%
2.50%
$250
$0 p.a.
80%
A very low interest rate for home buyers with 20% deposits saved. Add an offset account for a small fee. Not available for construction purposes.
UBank UHomeLoan - 3 Year Fixed Rate (Owner Occupier, IO)
2.29%
2.63%
$395
$0 p.a.
80%
A competitive 3 year fixed rate with no ongoing bank fees.
ME Basic Home Loan - LVR <=80% (Owner Occupier, P&I)
3.17%
3.19%
$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.
State Custodians Low Rate Home Loan with Offset - LVR up to 80% (Investor, P&I)
2.90%
2.92%
$0
$0 p.a.
80%
This investment loan keeps fees low, has a sharp interest rate and comes with a 100% offset account. This loan is not available for construction.
IMB Fixed Rate Home Loan - 3 Year Fixed (LVR 90% Owner Occupier, P&I, NSW and ACT borrowers only)
2.39%
3.08%
$449
$6 monthly ($72 p.a.)
90%
NSW and ACT customers only. 3 years fixed interest terms and free access to redraw facility online. Available with a 10% deposit.
UBank UHomeLoan - 1 Year Fixed Rate (Investor, IO)
2.44%
2.94%
$395
$0 p.a.
80%
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
State Custodians Low Rate LOC - LVR up to 60% (Owner Occupier, IO)
2.74%
2.76%
$0
$0 p.a.
60%
Withdraw up to 70% of your home equity with this competitive line of credit loan. This loan is not available for construction.
ME Flexible Home Loan Fixed - 2 Year Fixed Rate LVR <= 80% (Owner Occupier, P&I)
2.64%
4.03%
$0
$0 p.a.
80%
Get a low fixed rate and pay no application or ongoing fees.
UBank UHomeLoan - 1 Year Fixed Rate (Investor, P&I)
2.29%
2.93%
$395
$0 p.a.
80%
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
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