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

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Rates last updated November 12th, 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
2.84%
2.84%
$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.
3.03%
3.04%
$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.
2.88%
2.90%
$0
$0 p.a.
80%
Get one of the lowest variable interest rates on the market and pay 0 application or ongoing fees.
2.89%
3.31%
$0
$10 monthly ($120 p.a.)
80%
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.
2.77%
2.78%
$0
$0 p.a.
80%
A very competitive variable rate mortgage for home buyers with a 20% deposit saved. Add an optional 100% offset account for a $10 monthly fee.
2.79%
3.82%
$0
$0 p.a.
90%
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.
3.18%
3.24%
$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.
2.84%
2.97%
$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.
3.19%
3.21%
$0
$0 p.a.
80%
A competitive variable investor rate for borrowers with 20% deposits. Low fees, redraw facilities and repayment flexibility.
2.69%
3.19%
$395
$0 p.a.
80%
A competitive fixed interest rate product with no ongoing bank fees.
2.84%
3.37%
$449
$6 monthly ($72 p.a.)
90%
NSW and ACT customers only. 3 years fixed interest terms and free access to redraw facility online.
3.08%
3.42%
$0
$299 p.a.
80%
Get a 100% offset account and a competitive, variable interest rate, plus no application fee.
3.09%
3.09%
$0
$0 p.a.
80%
This low variable rate loan comes with a free redraw account and no ongoing fees, as well as flexible repayments.
2.95%
2.99%
$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.
3.19%
3.59%
$0
$395 p.a.
90%
New borrowers or refinancers can get a discounted rate with this package loan.
2.74%
3.38%
$395
$0 p.a.
80%
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.
3.09%
3.09%
$0
$0 p.a.
70%
A simple mortgage with no application or ongoing fees that has extra repayments plus split and redraw options. Requires a 30% deposit.
3.24%
4.14%
$600
$395 p.a.
95%
A package loan that offers discounts and a 100% offset account.
2.94%
2.97%
$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.
2.84%
3.22%
$395
$0 p.a.
80%
A competitive 3 year fixed rate with no ongoing bank fees.
2.79%
4.14%
$0
$400 p.a.
95%
$1,000 cashback when borrowing $250,000 or more. Conditions apply. Variable rate mortgage with a 100% offset account. Available with a low deposit. Southern Cross Credit Union home loans are only available to borrowers in Southeast Queensland and Northern NSW.
3.18%
3.32%
$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.
3.03%
3.06%
$0
$0 p.a.
80%
This low, variable rate loan has no ongoing fees and a redraw facility. Requires a 20% deposit.
3.15%
3.56%
$0
$395 p.a.
80%
A low rate variable mortgage for home buyers. Comes with a 100% offset account and has no application fee.
2.88%
4.11%
$0
$375 p.a.
95%
$2,000 cashback for eligible refinancers. Get a very low fixed interest rate for two years plus package discounts. Available with a 5% deposit.
3.54%
4.44%
$600
$395 p.a.
95%
A package loan that offers discounts and a 100% offset account.
2.89%
3.40%
$395
$0 p.a.
80%
A one year fixed rate offer with no ongoing bank fees.
3.24%
3.24%
$0
$0 p.a.
95%
$2,000 cashback for eligible refinancers. This flexible, basic home loan offers a very low rate and you only need a 5% deposit.
3.04%
3.86%
$395
$0 p.a.
80%
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
3.09%
4.41%
$595
$0 p.a.
90%
Investors can take advantage of a short term fixed rate with no ongoing fees.
3.31%
3.32%
$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.
2.99%
4.26%
$595
$0 p.a.
95%
Borrow up to 95% LVR of the value of the property you're buying and pay no ongoing fees.
3.74%
3.76%
$0
$10 monthly ($120 p.a.)
80%
A variable rate home loan with no application fees and the opportunity to earn Velocity points.
3.84%
4.16%
$0
$299 p.a.
80%
Get a 100% offset account, access to a redraw facility and a competitive rate tied to your LVR.

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