All of September 2018’s out-of-cycle home loan rate changes

Posted: 3 September 2018 1:40 pm News

dollar stop1The first of the big banks has already announced a September rate change. What lies in store for the rest of the month?

Westpac may have heralded a wave of rising home loan rates when it recently hiked its variable rates by 0.14%. With rising funding costs, the major banks have already claimed to be under pressure to lift rates.

Other lenders certainly haven't been waiting on the major banks to make their own moves. In August, 27 lenders in Finder's database moved on rates. This made the month the busiest of the year for rate moves.

If your lender raises rates, it could be time to refinance your home loan. We'll keep you updated on all of September's out-of-cycle rate moves in the table below. As rates begin moving upward, keep your eye out for a better deal.

Major bank changes

LenderChangeLoans affectedDate effective
ANZUp by 0.16%Standard Variable Home Loan (Owner occupier + Investor, P&I + IO), Land Loan (Owner occupier + Investor, P&I + IO), Simplicity PLUS Home Loan (Owner occupier + Investor, P&I + IO), Simplicity PLUS Home Loan - LVR ≤ 80% + > 80% Special Offer Discount (Owner Occupier, PI + IO), Simplicity PLUS Home Loan - Special Offer (Investor, P&I + IO), Equity Manager - Variable, Equity Manager - Breakfree Home Loan Package, Equity Manager - Special Offer Breakfree Home Loan Package (LVR <=80% + > 80%), Breakfree Home Loan Package LVR <=80% + >80% (Owner occupier + Investor, P&I + IO)September 27
WestpacUp by 0.14% - 0.49%Flexi First Option Home Loan - Standard (Owner Occupier + Investor, P&I), Equity Access, Premier Advantage Package Variable Home Loan - Equity Access P&I + IO, Premier Advantage Package Variable Home Loan - Rocket Repay P&I + IO, Premier Advantage Package Variable Home Loan - Rocket Investment P&I + IO, Rocket Repay Home Loan - Principal and Interest + Interest Only, Rocket Investment Loan - Principal and Interest + Interest Only, Flexi First Option Home Loan - 2 Years Introductory Special Offer (New Owner Occupier + Investor, P&I + IO)September 19
LenderChangeLoans affectedDate effective

Non-major lenders

LenderChangeLoans affectedDate effective
Adelaide BankUp by 0.12%SmartSaver Home Loan - LVR < 90% + > 90% (Owner occupier + Investor, P&I + IO), SmartDoc Home Loan (Owner occupier + Investor, P&I + IO), SmartDoc Plus Home Loan (Owner occupier + Investor, P&I + IO), Smartfit Variable Home Loan - LVR < 90% + > 90% (Owner occupier + Investor, P&I + IO)Sept. 7
Adelaide BankDown by 0.13%Smartfit Variable Home Loan - LVR > 90% (Investor)Sept. 7
Bank of MelbourneUp by 0.14% - 0.20%Portfolio Home Loan With Advantage Package Special Discount (Investor, IO), Portfolio Home Loan with Advantage Package - Variable (Investor, IO), Advantage Package Home Loan (Owner occupier + Investor, P&I + IO), Advantage Package Home Loan Special Discount (Owner occupier + Investor, P&I + IO), Basic Home Loan - Regular Rate (Owner occupier + Investor, P&I + IO), Basic Home Loan - Promotional Rate (Owner occupier + Investor, P&I + IO), Standard Variable Rate Home Loan (Owner occupier + Investor, P&I + IO), Portfolio - Investors, Relocation Loan - With end loan + Without end loan (Owner occupier + Investor, IO)September 19
BankSAUp by 0.14% - 0.20%Portfolio Home Loan With Advantage Package Special Discount (Investor, IO), Portfolio Home Loan with Advantage Package - Variable (Investor, IO), Advantage Package Home Loan (Owner occupier + Investor, P&I + IO), Advantage Package Home Loan Special Discount (Owner occupier + Investor, P&I + IO), Basic Home Loan - Regular Rate (Owner occupier + Investor, P&I + IO), Basic Home Loan - Promotional Rate (Owner occupier + Investor, P&I + IO), Standard Variable Rate Home Loan - Owner occupier + Investor, P&I + IO, Portfolio Home Loan - Investors, Relocation Loan - With end loan + Without end loan (Owner occupier + Investor, IO)September 19
Big SkyDown by 0.03% - 1.06%Standard Choice Variable Home Loan - (Owner Occupier, P&I + IO), Investor Standard Choice - Investor, P&I + IOSeptember 4
BluestoneUp by 0.10% - 0.60%Crystal Blue Alt Doc Home Loan - LVR up to 85% (Owner occupier + Investor, P&I), Crystal Blue Alt Doc Home Loan - (Owner occupier + Investor, P&I), Crystal Blue Alt Doc Home Loan - Clear credit (Investor), Clean Slate Clear Home Loan - (Owner occupier + Investor, P&I), Clean Slate Clear Home Loan - AAA LVR up to 85% (Owner occupier + Investor, P&I), Crystal Blue Full Doc Investment Home LoanSeptember 6
Coastline Credit UnionUp by 0.15%Home Equity Access $50k - $149k + $150k+, No Fee Home Loan, Variable Residential Investment Loan, Minimiser Home Loan, Option Investment Home Loan, Reverse Mortgage, Option Home Loan, Classic Home LoanSeptember 20
G&C Mutual BankUp by 0.12% - 0.18%Premium Home Loan Package (Owner occupier + Investor, P&I + IO), Solutions Home Loan Package (Owner occupier + Investor, P&I + IO), Standard Variable Home Loan (Owner occupier + Investor, P&I + IO), Construction Home Loan (Owner occupier + Investor), Bridging Home Loan (Owner occupier + Investor), Union Equity Line (Owner occupier + Investor), First Home Premium Package, Basic Variable Home Loan - InvestorSeptember 10
Greater BankDown by 0.11% - 0.15%Great Rate Home Loan - Discounted Variable ($150K+ Owner Occupier) New Loans only, Ultimate Home Loan - Discounted Variable ($150K+ Owner Occupier) New Loans only, Ultimate Home Loan - Discounted Variable ($150K+ Investor) P&I + IO, Great Rate Home Loan - Discounted Variable ($150K+ Investor) P&I + IOSeptember 17
Homestar FinanceUp by 0.15%Variable Rate Home Loan - (Investor, IO)September 5
Homestar FinanceDown by 0.04%Variable Rate Home Loan - (Investor, IO)September 13
Hume BankDown by 0.10%Flexi Low Rate Home Loan - Refinance (Investor, P&I)September 13
INGUp by 0.15%Mortgage Simplifier Home Loan - < $150,000 + $150,000 to $500,000 + $500,000 to $1M + $1M+ (Investor, P&I + IO), Orange Advantage Loan - < $150,000 + $150,000 to $500,000 + $500,000 to $1M + $1M+ (Investor, P&I + IO)September 25
Macquarie Credit UnionUp by 0.50%First Home Buyer's Home LoanSeptember 19
Macquarie Credit UnionDown by 1.00%Macquarie Credit Union Standard Variable Home Loan - 2 Years Discounted (Owner occupied + Investment)September 19
Mortgage HouseDown by 0.05% - 0.10%Market-Ready First Home Buyer Special (Owner Occupied), Equity Saver Refinancer Special, Equity Growth Investor SpecialSeptember 19
Newcastle Permanent Building SocietyDown by 0.12% - 0.37%Premium Plus Package Home Loan - Special Offer ($150,000+ Investor, P&I), Premium Plus Package Home Loan - New Customer Offer ($150,000+ Owner Occupier, IO)September 7
RAMSUp by 0.14%Full Feature Value Advantage Package (Owner occupier + Investor, P&I + IO), Self Employed Loan - Without package LVR <=70% + 70% to 80% Discounted (Owner Occupier, P&I + IO), Self Employed Loan - up to $149,999 LVR < = 70% + > 70% (Owner occupier + Investor, P&I + IO), Self-Employed Line of Credit - $15K to 149,999 LVR < = 70% + > 70%, Self-Employed Line of Credit Value Advantage Package - LVR > 70% + LVR < 70%, Self-Employed Value Advantage Package Home Loan - LVR <= 70% + LVR > 70% (Owner occupier + Investor, P&I + IO), Line of Credit Value Advantage Package - LVR <= 80% + LVR > 80%, Low Rate Home Loan (Owner occupier + Investor, P&I + IO), Line of Credit, Full Feature Home Loan (Owner occupier + Investor, P&I + IO)September 19
SCUDown by 0.28% - 0.48%My Life Variable Rate Home Loan Package - $150,000 to $249,999 + $250,000 to $499,999 + $500,000+ (Owner Occupier)September 25
St.GeorgeUp by 0.14% - 0.20%Portfolio Home Loan With Advantage Package Special Discount (Investor, IO), Portfolio Home Loan with Advantage Package - Variable (Investor, IO), Advantage Package Home Loan (Owner occupier + Investor, P&I + IO), Advantage Package Home Loan Special Discount (Owner occupier + Investor, P&I + IO), Standard Variable Loan - Variable Rate (Owner Occupier, P&I + IO), Standard Variable Loan - Residential Investment (P&I + IO), Basic Home Loan - Variable Rate (Owner occupier + Investor, P&I + IO), Portfolio Home Loan - Variable Rate, Relocation Loan - With end loan + Without end loan (Owner occupier + Investor, IO)September 19
Suncorp BankUp by 0.02% - 0.38%Home Package Plus Home Loan - Special Offer $150k+ LVR <=90% (Owner occupier + Investor, P&I + IO), Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% + 90% to 95% Incl. LMI (Owner Occupier, P&I + IO), Home Package Plus Variable - $150,000+ LVR <=80% + 80% to 90% + 90% to 95% (Owner Occupier, P&I), Back to Basics Home Loan (Owner occupier + Investor, P&I + IO), Standard Variable Rate Home Loan (Owner occupier + Investor, P&I + IO), Access Equity Line of Credit, Home Package Plus Access Equity - $500,000 and $749,999 (LVR <=80% + 80% to 90%), Home Package Plus Access Equity - LVR <=90% Special Offer Interest Only, Home Package Plus Home Loan - $150,000+ LVR <=80% +80% to 90% (Owner occupier + Investor, P&I + IO), Home Package Plus Home Loan - Special Offer $150k+ LVR <=95% First Home Buyers only (Owner Occupier, P&I + IO)September 17
Suncorp BankDown by 0.08% - 0.20%Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Investor, P&I + IO)September 17
The CapricornianUp by 0.11%Premium Choice Home Loan - Variable $50k - $250k + $251k - $500k + $500k+ (Investor)September 6
Tic:TocDown by 0.07%Live in Loan Variable Rate - Principal & InterestSeptember 28
Warwick Credit UnionUp by 0.10%Classic Home Owners Package - $150,000 < $250,000 + $250,000 < $500,000 + $500,000+, P&I + IOSeptember 13
LenderChangeLoans affectedDate effective]
Bendigo BankDown by 0.10% - 0.20%Fixed Rate Home Loan - 2 Years Package Fixed (Investor, P&I + IO), Connect Fixed Rate Home Loan - 2 Years Fixed Rate (Investor, P&I + IO), Basic Fixed Rate Home Loan - 2 Years Fixed (Investor, P&I + IO)September 18
Beyond BankDown by 0.15% - 0.50%Pinnacle +Plus Pkg Investment Fixed - 1, 2, 3, 4, 5 Years, Pinnacle Plus Package Home Loan - 1, 2, 3, 4, 5 Years LVR <90% (Owner Occupier), Fixed Rate Home Loan - 1, 2, 3, 4, 5 Years LVR <90% (Owner Occupier), Total Home Loan Package - 1, 2, 3, 4, 5 Years Fixed LVR <90% (Owner Occupier), Total Home Loan Package - 1, 2, 3, 4, 5 Years Fixed (Investor), Fixed Rate Home Loan - 1, 2, 3, 4, 5 Years Fixed (Investor)September 17
Freedom LendDown by 0.10%Fixed Loan - 3 Years Fixed Rate LVR ≤ 90% (Investor P&I), Fixed Loan - 3 Years Fixed Rate LVR ≤ 80% (Investor P&I)September 20
Newcastle Permanent Building SocietyUp by 0.10% - 0.15%Fixed Rate Home Loan - 1, 2, 4, 5 Years Fixed (Owner occupier + Investor, P&I + IO), Premium Plus Package Fixed Rate -1, 2, 4, 5 Years Fixed (Owner occupier + Investor, P&I + IO)September 7
Suncorp BankUp by 0.10%Home Package Plus Fixed - 1, 2 Years Rate (Owner Occupier, IO), Fixed Rate Home Loan - 1, 2 Years Fixed Rate (Owner Occupier, IO)September 17
Suncorp BankDown by 0.10% - 0.40%Fixed Rate Home Loan - 1, 3, 5 Years Fixed Rate (Owner occupier + Investor, P&I + IO), Home Package Plus Fixed -1, 3, 5 Years Rate (Owner occupier + Investor, P&I + IO), Home Package Plus Fixed - 5 Years Fixed ($150k+ LVR <=95% Owner Occupier, P&I) First Home Buyer, Interest in Advance Home Loan - 1 Year Interest in Advance (Investor, IO)September 17
Warwick Credit UnionDown by 0.30%Classic Home Loan - 1, 2 Years Fixed IO, Classic Home Owners Package - 1, 2 Years Fixed IO, Premium Fixed Home Loan - 1, 2 Years Fixed IOSeptember 13

Compare refinance home loans today

Rates last updated September 18th, 2019
$
Loan purpose
Offset account
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
3.09%
3.09%
$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.
3.09%
3.05%
$0
$0 p.a.
80%
Low variable rate mortgage for owner occupiers looking to switch. Refinancers only.
3.19%
3.85%
$300
$10 monthly ($120 p.a.)
90%
A low fixed rate loan that lets you borrow up to 90% of your property's value.
3.23%
3.56%
$0
$299 p.a.
80%
Get a 100% offset account and a competitive, variable interest rate, plus no application fee.
3.15%
3.17%
$0
$0 p.a.
80%
This loan offers a competitive variable rate and a 100% offset account to help save you on interest repayments.
3.18%
3.19%
$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.
3.09%
3.12%
$600
$10 monthly ($120 p.a.)
70%
A very low variable interest rate for home buyers with a 30% deposit. This product has a 100% offset account.
3.29%
3.73%
$0
$395 p.a.
80%
A low variable rate loan with a 100% offset account and package discounts.
3.39%
4.29%
$600
$395 p.a.
95%
A package loan that offers discounts and a 100% offset account.
2.99%
3.84%
$0
$375 p.a.
90%
Get a very competitive 3 year fixed rate with low fees and only a 10% deposit. Refinance to this loan and receive a $2,000 cashback when borrowing $250,000 or more.
3.38%
3.42%
$0
$0 p.a.
80%
Get a low variable rate from a ANZ and save money with $0 application or ongoing fees. Requires a 20% deposit.
3.34%
3.34%
$0
$0 p.a.
80%
Low fee loan with extra repayments. Pay no application and ongoing fees and take advantage of split and redraw options.
2.99%
3.45%
$0
$10 monthly ($120 p.a.)
90%
Buy your home and lock in a low rate for the first two years. Available with a 10% deposit. Earn Velocity Frequent Flyer Points at settlement, monthly and every three years, plus extra bonus points for a limited time.
3.24%
3.50%
$0
$248 p.a.
70%
Borrowers with a 30% deposit can get this competitive rate. Cut down on interest costs with a 100% offset account.
3.18%
3.21%
$0
$0 p.a.
80%
This low, variable rate loan has no ongoing fees and a redraw facility. Requires a 20% deposit.
3.19%
3.23%
$0
$0 p.a.
70%
Get a low fixed rate for 2 years to minimise interest costs. Requires a 30% deposit.
3.31%
3.37%
$449
$0 p.a.
90%
NSW and ACT customers only. Get a special discount for a limited time when you open an IMB Transaction Account.
3.33%
3.47%
$0
$10 monthly ($120 p.a.)
80%
This flexible, competitive variable rate mortgage comes with a redraw facility. Eligible borrowers can earn Velocity Frequent Flyer Points, plus extra bonus points for a limited time.
3.27%
3.87%
$0
$395 p.a.
80%
Lock in a competitive rate for owner occupiers for two years. Comes with a 100% offset account.
3.29%
3.70%
$0
$395 p.a.
80%
3.15%
4.07%
$600
$0 p.a.
95%
Fix your rate for the first two years with this competitive, low-fee loan. Includes a 100% offset account. Get this loan with a 5% deposit.
3.72%
3.76%
$0
$0 p.a.
90%
Buy a home with just a 10% deposit and pay no application or ongoing fees.
3.49%
3.45%
$0
$0 p.a.
80%
A competitive variable mortgage for investors looking to refinance. Principal and interest repayments. Refinancers only.
3.09%
3.12%
$600
$10 monthly ($120 p.a.)
80%
A competitive variable rate for home buyers with a 20% deposit. This product has a 100% offset account.
3.33%
4.37%
$0
$0 p.a.
80%
Pay no application fees and access a fee-free redraw facility with this fixed rate loan.
2.99%
3.63%
$395
$0 p.a.
80%
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.
2.98%
4.25%
$0
$375 p.a.
95%
Get a very low fixed interest rate for two years plus package discounts. Available with a 5% deposit.
3.59%
3.24%
$0
$0 p.a.
80%
Variable interest only mortgage for owner occupied refinancers. Refinancers only.
3.64%
3.96%
$0
$299 p.a.
80%
Investors can enjoy a 100% offset account, a redraw facility and flexible repayments.
3.45%
3.47%
$0
$0 p.a.
90%
Save on interest with a free 100% offset account and buy your property with just a 10% deposit.
3.69%
4.58%
$600
$395 p.a.
95%
A package loan that offers discounts and a 100% offset account.
3.39%
3.39%
$0
$0 p.a.
95%
This flexible, basic home loan offers a very low rate and you only need a 5% deposit.
3.49%
4.11%
$300
$10 monthly ($120 p.a.)
80%
Special offer for new lending between $150k-$500k & under 80% LVR.
2.99%
3.45%
$395
$0 p.a.
80%
A competitive fixed interest rate product with no ongoing bank fees.
3.34%
3.78%
$0
$395 p.a.
80%
Unlock a range of savings with this competitive package home loan offer. Offset account and redraw facility included.
2.99%
3.51%
$449
$6 monthly ($72 p.a.)
90%
NSW and ACT customers only. 3 years fixed interest terms and free access to redraw facility online.
3.32%
3.71%
$0
$395 p.a.
90%
New borrowers or refinancers can get a discounted rate with this package loan.
3.57%
3.59%
$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.
3.39%
3.91%
$0
$10 monthly ($120 p.a.)
90%
Get a low discounted rate for 2 years plus a 100% offset account. And you can get the loan with a 10% deposit.
3.42%
4.50%
$0
$0 p.a.
80%
Get a low fixed rate and pay no application or ongoing fees.
3.14%
3.65%
$395
$0 p.a.
80%
A one year fixed rate offer with no ongoing bank fees.
3.15%
3.19%
$500
$0 p.a.
95%
This mortgage combines a very sharp interest rate with a 100% offset account and it's available with a 5% deposit.
3.70%
3.72%
$0
$0 p.a.
90%
Access a fee-free offset account and a special interest rate for investors.
3.09%
4.39%
$595
$0 p.a.
95%
Borrow up to 95% LVR of the value of the property you're buying and pay no ongoing fees.
3.24%
3.24%
$0
$0 p.a.
80%
Pay no application or ongoing fees and get access to a redraw facility and flexible repayment schedule.
3.45%
3.46%
$500 (if over 80% LVR)
$0 p.a.
80%
A competitive variable mortgage for home buyers. This loan has flexible repayments and an optional redraw facility.
3.34%
4.55%
$595
$0 p.a.
90%
Investors can take advantage of a short term fixed rate with no ongoing fees.
3.14%
3.49%
$395
$0 p.a.
80%
A competitive 3 year fixed rate with no ongoing bank fees.
3.89%
$0
$349 p.a.
80%
Low fee line of credit loan with package benefits.
3.29%
4.10%
$395
$0 p.a.
80%
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
3.44%
4.15%
$300
$10 monthly ($120 p.a.)
80%
A flexible, competitive fixed rate loan that allows for extra repayments.
3.69%
3.58%
$375
$15 monthly ($180 p.a.)
80%
3.99%
4.31%
$0
$299 p.a.
80%
Get a 100% offset account, access to a redraw facility and a competitive rate tied to your LVR.
3.94%
3.93%
$0
$10 monthly ($120 p.a.)
80%
A variable rate home loan with no application fees and the opportunity to earn Velocity points.

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