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Full list of July’s out-of-cycle rate changes

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hand-percent1The Reserve Bank's inaction hasn't stopped lenders from making moves.

The Reserve Bank chose to leave the official cash rate untouched in July. The result was not surprise, with all 34 experts in's Monthly RBA Survey correctly calling the rate hold. But lenders have continued to demonstrate their willingness to move outside of the RBA's official cash rate decisions.

Last month saw 11 lenders in's database make rate moves outside of the official RBA decision. We'll keep you updated this month as more rate changes begin to come through.

Big four bank changes

LenderChangeLoans affectedDate effective
Commonwealth BankDown 0.03%Standard Variable (owner occupier, principal and interest)7th July
Commonwealth BankUp 0.30%Standard Variable (owner occupier + investor, interest only)7th July
LenderChangeLoans affectedDate effective

All other rate changes

LenderChangeLoans affectedDate effective
CUADown 0.06%Rate Breaker Package (owner occupier + investor)18 July
Easy Street Up 0.20%Fixed Home Loan - 3 Years Owner Occupier + principal and interest, special offer (New Loans only)18 July
G&CUp 0.20%Premium Home Loan Package (investor), Solutions Home Loan Package (investor), Standard Variable Home Loan (investor), Construction Home Loan(investor), Bridging Home Loan(investor), Union Equity Line (investor)4 July
HomeloansUp by 0.02% - 0.10%Ultra Plus Variable Home Loan (owner occupier + investor)24 July
IMBDown 0.05%Budget Home Loan - special offer (owner occupier + principal and interest only)10 July
IMBDown 0.05%Accelerator Home Loan (owner occupier)17 July
IMBUp 0.10%Standard Variable Home Loan (investor), Essentials Home Loan (investor), Platinum Package (investor)21 July
ING DirectUp 0.15% - 0.35%

Mortgage Simplifier Home Loan (owner occupier + investor), Orange Advantage Loan (owner occupier + investor)

7 July
ING DirectDown 0.05%

Orange Advantage Loan (owner occupier)

7 July
Macquarie Credit UnionUp 0.05% - 0.20%Basic Home Loan (owner occupier + investor), Offset Home Loan Package (owner occupier)3 July
Macquarie Credit UnionDown 0.15% - 0.20%Offset Home Loan Package (investor)3 July
MEDown 0.5%ME Flexible Home Loan With Member Package (owner occupier , principal only)28 July
People's ChoiceUp 0.30% - 0.35%

Standard Variable Home Loan (owner occupier + investor), Home Loan Package (owner occupier + investor), Basic Variable (owner occupier + investor)

27 July
People's ChoiceDown 0.05%

Standard Variable Home Loan (owner occupier), Home Loan Package (owner occupier), Basic Variable (owner occupier)

27 July
Virgin MoneyUp 0.35% - 0.45%

Reward Me Variable Home Loan(owner occupier)

7 July
LenderChangeLoans affectedDate effective
Community FirstUp 0.20%

3 Years Fixed Owner Occupier special offer (New Loans only)

4 July
CUAUp 0.05% 0.45%

CUA Fixed Rate Home Loan - 1, 2, 3, 4, 5 Fixed Years (owner occupier + investor), CUA Premium Fixed Rate Home Loan 1, 2, 3, 4, 5 (owner occupier + Investor)

12 July
CUADown 0.17%

Fixed Rate Home Loan - 3 Years (owner occupier), Premium Fixed Rate Home Loan - 3 Years Fixed (owner occupier)

25 July
Easy StreetUp 0.20%

Fixed Home Loan - 3 Years Owner Occupier + principal and interest, special offer (New Loans only)

18 July
G&CUp 0.20%

Fixed Rate Home Loan (owner occupier)

4 July
HomeloansUp 0.35%

Ultra Plus Fixed - 1, 2, 3, 4, 5 Years Fixed LVR <=80% (owner occupier + investor, interest only)

13 July
MEDown 0.14% 0.20%

ME Flexible Home Loan Fixed with Members Package - 1,2,3,4,5,6,7 Years (owner occupier + investor)

28 July
MOVEUp 0.10%

Lockit Home Loan - 1, 3 Years Fixed

5 July
NewcastleDown - 40%

Fixed Rate - 1, 2, 3, 4, 5, 7, 10 Years (owner occupier+investor, principal + interest only)

7 July
NewcastleUp 40%

Fixed rate - 7 , 10 Years (Owner Occupier Special Rate, P&I)

7 July
People's ChoiceDown 0.10%1 Year Fixed Owner Occupier (principal & interest)27 July

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