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All of August’s out-of-cycle rate changes

Posted: 9 August 2018 9:36 am
News

July was the busiest month yet for out-of-cycle rate changes. What will August bring?

August's meeting officially marked two years of the Reserve Bank leaving the official cash rate on hold at 1.50%. The RBA now looks likely to leave the cash rate untouched through the rest of the year and perhaps even all of 2019, with CoreLogic's Tim Lawless speculating that a rate rise is unlikely to happen until at least January of 2020.

Lender activity doesn't look set to slow down, though. July was the year's busiest month yet for out-of-cycle rate changes. 26 lenders in Finder's database moved on rates outside the Reserve Bank.

As activity in the lending market heats up, it could be a great time to consider refinancing your home loan. We'll keep tabs on all this month's out-of-cycle rate moves in the table below, and continue to update as more lenders announce changes. Keep checking back to see if your lender has moved on rates, and if you could be getting a better deal.

Major bank changes

LenderChangeLoans affectedDate effective
ANZDown by 0.90%Simplicity PLUS Home Loan - LVR <80% Special Offer Discount (Owner Occupier, PI)August 2
Commonwealth BankUp by 0.30%Introductory Home Loan - 12 Months Discounted Loan (IO)August 13
NABUp by 0.48%Base Variable Rate Home Loan - Owner Occupier (P&I)August 13
LenderChangeLoans affectedDate effective
ANZDown by 0.10% - 0.26%Fixed Rate Home Loan - 2, 3 Years Fixed (Owner Occupier + Investor, P&I + IO), Breakfree Package Home Loan - 2, 3 Years Fixed (Owner Occupier + Investor, P&I + IO), Interest in Advance Loan (Yearly) - 2 Years With Breakfree Package + Without Breakfree PackageAugust 2
NABUp by 0.50%Choice Package Home Loan - 4 Year Fixed (Owner Occupier P&I)August 13
NABDown by 0.50%Choice Package Home Loan - 5 Year Fixed (Owner Occupier P&I), Defence Force Choice Package Fixed Home Loan - 5 YearsAugust 13

Non-major lenders

LenderChangeLoans affectedDate effective
AMPDown by 0.02% - 0.30%Professional Package Line of Credit -$100,000 to $249,999 + $250,000 to $499,999 + $500,000 to $749,999 + $750,000 and above (Owner Occupier +Investor, IO), Professional Package Variable Rate Home Loan - $100,000 to $249,999 + $250,000 to $499,999 + $500,000 to $749,999 + $750,000 and above (Owner Occupier + Investment, P&I + IO), Basic Package Variable Rate Loan - (Investors, P&I + IO)August 22
Arab Bank of AustraliaUp by 0.10%Bridging Loan - Standard + With Interest Capitalisation, HeadStart Home Loan - Variable Rate, The Basics Home Loan - Variable, Essentials Home Loan - Variable, Revolving Line of CreditAugust 1
BankwestUp by 0.29%Complete Home Loan Package Variable - LVR <=90% (Owner Occupier, P&I)August 24
BankwestDown by 0.30%Premium Select Home Loan - $20k+ (LVR 80% to 90%) (Investor, P&I)August 24
ClickLoansUp by 0.04% - 0.35%The Online Investor Home Loan - LVR <70% + <80%, The Online Home Loan - LVR <80% + <70% + <70% with Offset, The Online Home Loan Bad CreditAugust 1
CUAUp by 0.25%Fresh Start Variable Home Loan - (Owner Occupier + Investor, P&I + IO), Fresh Start Variable Home Loan - Construction (Owner Occupier + Investor, Interest Only), Fresh Start Basic Variable Home Loan - (Owner Occupier + Investor, P&I + IO), Fresh Start Basic Variable Home Loan - Construction (Owner Occupier + Investor, Interest Only)August 21
First Option Credit UnionUp by 0.10%Premium Home Loan - $150k to $600k + $800k+ + $600k to $800k (Owner Occupier + Investor, IO), Classic Home Loan - Interest Only (Owner Occupier + Investor)August 1
Gateway Bank Up by 0.09% - 1.31%Construction Loan, Investment Construction Loan, Land Loan - Variable Rate (Owner Occupier, P&I), Standard Variable Rate Home Loan (Owner Occupier + Investor, P&I), Equitismart Line of Credit (Owner Occupier + Investor, P&I), Low Rate Essentials Variable Rate Home Loan - LVR 80% to 85% (Investor, P&I)August 10
Gateway Bank Down by 0.01% - 0.50%Investment Land Variable, Standard Variable Rate Home Loan - Investor, IOAugust 10
Greater BankUp by 0.09%Great Rate Home Loan - Discounted Variable ($150K+ Owner Occupier + Investor) P&I + IO New Loans only, Great Rate Home Loan - Variable (Owner Occupier + Investment, P&I + IO), Ultimate Home Loan - Discounted Variable ($150K+ Owner Occupier + Investor) P&I New Loans only, Ultimate Home Loan - Variable (Owner Occupier + Investment, P&I + IO)August 15
Heritage BankUp by 0.05% - 0.43%Standard Variable Home Loan - (Owner Occupier) Existing customers only, Living Equity Line of Credit - (Owner Occupier) Existing customers only, Advantage Package - Living Equity (Owner Occupier + Investor) Existing customers onlyAugust 20
Heritage BankDown by 0.07% - 0.33%Discount Variable Home Loan - LVR <=80% + <=90% + <=95% (Owner Occupier + Investment, P&I) New Customers Only, Advantage Package - Standard Variable LVR <=80% + <=90% + <=95% $150k to $249k + $250k to $699k + $700k +(Owner Occupier, P&I) New Customers Only, Living Equity Line of Credit - (Investor) Existing customers onlyAugust 20
Horizon Credit Union Down by 0.10%Home Sweet Home LoanAugust 24
HSBCUp by 0.02% - 0.98%Home Equity Loan - (Owner Occupier + Investor, IO), Home Value Loan - Variable Rate (Owner Occupier + Investment, P&I + IO), Variable Home Loan - (Owner Occupier + Investment, P&I + IO), Home Smart Loan - (Owner Occupier + Investment), Premier Home Loan - Variable (Owner Occupier + Investment, P&I), Premier Home Equity Loan - Variable (Owner Occupier + Investment, Interest Only), Premier Home Smart Loan - Variable (Owner Occupier + Investment), Premier Variable Home Loan - (Investor, IO), Premier Market Linked Home Loan - Investors (HKD + USD)August 6
IMBDown by 0.10% - 0.23%Accelerator Home Loan - LVR <=95% $300k+ (Owner Occupier), Essentials Home Loan - LVR <=85 (Investor, IO)August 22
ME BankDown by 0.20% - 0.75%Basic Home Loan - LVR <=80% + > 80% (Owner Occupier, P&I)August 30
Mortgage HouseUp by 0.03%Advantage Variable Home Loan - LVR 80 Special (Investor, P&I)August 1
Newcastle Permanent Building SocietyUp by 0.08% - 0.12%Premium Plus Package Home Loan - Tier 1: below $500k + Tier 2: Over $500k + Tier 3: Over $750k + Tier 4: Over $900k + Tier 1, 2, 3, 4 combined loan balances below $500,000 (Owner Occupier + Investor, P&I + IO), Real Deal Home Loan - (Owner Occupier + Investor, P&I + IO), Real Equity Home Loan - Real Equity Credit Facility, Real Options Home Loan - (Owner Occupier, P&I + IO), Premium Variable Rate Home Loan - (Owner Occupier + Investor, P&I + IO), Premium Plus Package Home Loan - New Customer Offer ($150k+ Owner Occupier, P&I + IO) Discount 1 + Special Offer ($150,000+ Investor, P&I + IO)August 1
People's Choice Credit UnionUp by 0.10%Basic Variable - (Investor, IO)August 1
QBANKUp by 0.35%Classic Plus Package - $100k to $249k + $250k+ (Investor)August 8
Reduce Home LoansUp by 0.10%Investor Rate Buster Variable 100% Offset - LVR up to 80%August 1
Reduce Home LoansDown by 0.05%Cash Back Rate Buster Escape Home LoanAugust 1
Virgin MoneyUp by 0.05%Variable Home Loan - LVR <= 80% (<$500k Owner Occupier, P&I)August 27
LenderChangeLoans affectedDate effective]
Bank of MelbourneUp by 0.04% - 0.20%Fixed Rate Home Loan - 2, 3 Years Fixed Promotional, new loans only (Owner Occupier + Investment, P&I), Advantage Package Home Loan - 2,3 Years Fixed Promotional, new loans only (Owner Occupier + Investment, P&I + IO)August 14
Bank of MelbourneDown by 0.04%Fixed Rate Home Loan - 2 Years Fixed Promotional, new loans only (Investor, IO), Advantage Package Home Loan - 3 Years Fixed Promotional, new loans only (Owner Occupier, P&I)August 14
BankSAUp by 0.04% - 0.20%Fixed Rate Home Loan - 2, 3 Years Fixed Promotional, new loans only (Owner Occupier + Investment, P&I), Advantage Package Home Loan - 2, 3 Years Fixed Promotional, new loans only (Owner Occupier + Investment, P&I + IO)August 14
BankSADown by 0.04%Fixed Rate Home Loan - 2 Years Fixed Promotional, new loans only (Investor, IO), Advantage Package Home Loan - 3 Years Fixed Promotional, new loans only (Owner Occupier, P&I)August 14
BankwestDown by 0.05% - 0.45%Fixed Rate Home Loan -1, 2, 3, 4, 5 Years Fixed Rate (Owner Occupier + Investment)August 24
Heritage BankUp by 0.05% - 0.14%Fixed Rate Home Loan - 2, 3 Years Fixed Rate (Owner Occupier, P&I + Investor, IO) New Customers Only, Advantage Package - 2, 3 Years Fixed (Owner Occupier, P&I + Investor, IO) New Customers OnlyAugust 20
Heritage BankDown by 0.04% - 0.70%Fixed Rate Home Loan - 1, 2, 3, 5 Years Fixed Rate (Owner Occupier + Investment, P&I + IO) New Customers Only + Existing customers only, Advantage Package - 1, 2, 3, 5 Years Fixed (Owner Occupier + Investment, P&I + IO) New Customers Only + Existing customers onlyAugust 20
Horizon Credit UnionDown by 0.10% - 0.20%Fixed Rate Home Loan -1, 2, 3 Years Fixed (Owner Occupier + Investment)August 24
Hume BankDown by 0.04% - 0.10%Fixed Home Loan - 2, 3, 4, 5 Years (Owner Occupier + Investment, P&I), Refinance Fixed Home Loan - 2, 3, 4, 5 Years (Owner Occupier + Investment, P&I)August 29
IMBDown by 0.11%Fixed Rate Home Loan - 3 Years Fixed (LVR <=85% Investor, P&I + IO)August 22
Northern Inland Credit Union Down by 0.25% - 0.45%Smart Fixed Home Loan - 1, 2, 3 Years (Owner Occupier + Investment, P&I)August 16
People's Choice Credit UnionDown by 0.05% - 0.35%Investment Fixed - 1, 2, 3, 4, 5 Years P&I + IO, Home Loan Package -1, 2, 3, 4, 5 Years Fixed Package (Investor, P&I + IO)August 9
Tic:TocDown by 0.05% - 0.10%Live in Fixed Rate Home Loan - 1, 2 Years (Owner Occupier, P&I)August 27

Compare refinance home loans today

Data indicated here is updated regularly
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Loan purpose
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Loan type
Repayment 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
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.
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.
Commonwealth Bank Wealth Package Fixed Home Loan - 2 Year Fixed Rate With Wealth Package (Owner Occupier, P&I, $150k+)
2.29%
3.99%
$0
$395 p.a.
95%
A competitive fixed rate package loan for home buyers. $2,000 cashback offer for eligible refinancers.
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. Eligible refinancers can receive a cashback of $2,000 or more.
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.
State Custodians Low Rate Home Loan with Offset - LVR up to 80% (Owner Occupier, P&I)
2.65%
2.67%
$0
$0 p.a.
80%
This loan offers a competitive variable rate and a 100% offset account to help save you on interest repayments. This loan is not available for construction.
loans.com.au Smart Home Loan - (Owner Occupier, P&I)
2.63%
2.65%
$0
$0 p.a.
80%
Get a low variable interest rate and pay 0 application or ongoing fees with this convenient online lender.
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.
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.
State Custodians Low Rate Home Loan with Offset - LVR up to 60% (Owner Occupier, P&I)
2.49%
2.51%
$0
$0 p.a.
60%
A competitive rate with no application or ongoing fee. This loan is not available for construction.
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)
2.29%
2.90%
$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.
State Custodians Low Rate Home Loan with Offset - LVR up to 60% (Investor, P&I)
2.74%
2.76%
$0
$0 p.a.
60%
A competitive rate with no application or ongoing fee. This loan is not available for construction.
UBank UHomeLoan - 1 Year Fixed Rate (Owner Occupier, P&I)
2.29%
3.12%
$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)
2.44%
2.94%
$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.
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.
UBank UHomeLoan - 1 Year Fixed Rate (Investor, IO)
2.59%
3.59%
$395
$0 p.a.
80%
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
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)
2.44%
3.57%
$395
$0 p.a.
80%
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
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Credit services for Aussie Select, Aussie Activate and Aussie Elevate products are provided by AHL Investments Pty Ltd ACN 105 265 861 (“Aussie”) and its appointed credit representatives, Australian Credit Licence 246786. 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 Activate products is provided by Pepper Finance Corporation Limited ACN 094 317 647 (“Pepper”). Pepper Group Limited ACN 094 317 665, Australian Credit Licence 286655 acts on behalf of Pepper. Credit services for Aussie Elevate products are provided by AHL Investments Pty Ltd ACN 105 265 861 Australian Credit Licence 246786 (“Aussie”) and its appointed credit representatives. Aussie is a trade mark of AHL Investments Pty Ltd ABN 27 105 265 861. Credit and any applicable offset accounts for Aussie Elevate are issued by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL / Australian Credit Licence 237879.

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