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Home loan interest rate changes for April 2017

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Jodie Humphries
Posted: 4 April 2017 11:56 am
News

April 2017 interest rate changesLenders are still moving interest rates despite the RBA making no change to the official cash rate.

The RBA's inaction was predicted by almost all experts and economists with no change in the finder.com.au RBA survey. Lenders, on the other hand, are still moving interest rates irrespective of what the RBA does. This trend started in November and December last year and continued even before the first RBA meeting in February this year. It doesn't seem to be stopping.

Big four bank changes

Lender Change Loans affected Date effective
ANZ Up 0.36% - 0.40% Variable Rate Home Loans (owner occupier + investor, interest only) 22 Apr(late July for existing)
CBA Up 0.03% - 0.26% Variable Rate Home Loans (owner occupier + investor, principal and interest + interest only) 8 May

All other rate changes

LenderChangeLoans affectedDate effective
Bank AustraliaUp 0.07%Basic Home Loan Variable (owner occupier)13 Apr
Bank of QueenslandUp 0.10%Clear Path Line of Credit (investor), Economy Home Loan (investor), Low Doc Home Loan (investor), Low Doc Line of Credit (investor), Standard Variable (investor), Clear Path Variable (investor), Discount Variable (investor), Line of Credit (investor), Privilege Package Variable (investor), Privilege Package Line of Credit (investor)18 Apr
Bank of MelbourneUp 0.03% - 0.30%Variable Rate Home Loans (owner occupier + investor, principal and interest + interest only)8 May
BankSAUp 0.08% - 0.32%

Variable Rate Home Loans (owner occupier, interest only), Variable Rate Home Loans (investor, principal and interest + interest only)

8 May
BankwestUp 0.04% - 0.25%

Complete Variable Home Loan - (owner occupier + investor), Premium Select Home Loan - (owner occupier + investor), Equaliser Home Loan - (owner occupier + investor), Senior Equity, Complete Equity, Equity Access

7 Apr
Bendigo Bank Up 0.30%

Residential Investment Variable, Connect Package Variable (investor), Equity Line of Credit (investor)

5 Apr
Beyond Bank Up 0.10% - 0.29%

Pinnacle Plus Package - Variable, Pinnacle Plus Package - All in one, Standard Variable (owner occupier + investor), Total Home Loan Package Variable (owner occupier)

26 Apr
Beyond BankDown 0.05%

Total Home Loan Package Variable (investor)

26 Apr
CUAUp 0.02%

Rate Breaker Package (owner occupier + investor)

18 Apr
G&CUp

0.06-0.18%

Premium Home Loan Package (owner occupier + investor), Solutions Home Loan Package (owner occupier + investor), Standard Variable Home Loan (owner occupier + investor), Construction Home Loan (owner occupier + investor)

4 Apr
Greater BankUp 0.07 0.20%

Discounted Variable (owner occupier + investor), Standard Variable (owner occupier + investor) Line of Credit

26 Apr
Heritage BankUp 0.10% - 0.25%

Discount Variable (owner occupier + investor), Advantage Package (owner occupier + investor), Living Equity Line of Credit (owner occupier + investor)

11 Apr
Homeloans Up 0.22%

Ultra Plus Variable (owner occupier + investor)

21 Apr
IMBUp 0.10% - 0.25%

Budget Home Loan (owner occupier), Accelerator Home Loan (owner occupier), Essentials Home Loan (owner occupier + investor), Introductory Home Loan (owner occupier), Discount Split Home Loan (owner occupier), Standard Variable Home Loan (owner occupier + investor), Equity Line Advantage (owner occupier + investor), Lo Doc Home Loan, Platinum Package (owner occupier + investor)

5 Apr
ING DirectUp 0.25%Orange Advantage Home Loan (investor), Mortgage Simplifier Home Loan (investor)4 Apr
loan.com.auUp 0.05% - 0.20%Essentials Variable - (owner occupier + investor), Offset Variable - (owner occupier + investor)18 Apr
MEUp 0.20% - 0.40%Basic Home Loan - (investor), Flexible Home loan (investor), Flexible Home loan Fixed with Members Package (owner occupier + investor)27 apr
MOVEDown 0.05%Lockit Home Loan - 3 Years7 Apr
Newcastle Permanent Bulding SocietyDown 0.10%Newcastle Permanent Building Society Premium Plus Package New customer P&I + IO1 May
People's Choice Credit UnionUp 0.28%Line of Credit, Home Loan Package LOC12 Apr
Pepper MoneyUp by 0.10% - 0.25%

Advantage Alt Doc , Advantage Alt Doc Plus, Advantage Full Doc, Advantage Full Doc Plus , Easy Alt Doc, Easy Alt Doc Plus, Easy Full Doc, Essential Full Doc & Essential Plus Full Doc

24 Apr
St.GeorgeUp 0.08% - 0.31%Variable Rate Home Loans (owner occupier, interest only), Variable Rate Home Loans (investor, principal and interest + interest only)8 May
UbankUp 0.20%Standard Variable Rate Home Loans (investor)21 Apr
Virgin MoneyUp 0.15%-Variable Rate Home Loan (owner occupier only)5 Apr
LenderChangeLoans affectedDate effective
Bank AustraliaUp 0.10% - 0.30%Basic Home Loan - 1, 2, 3, 4, 5 Years Fixed (owner occupier), Premium Fixed Rate Home Loan - 1, 2, 3, 4, 5 Years Fixed (owner occupier), Premium Home Loan Package - 1, 2, 3, 4, 5 Years Fixed (owner occupier)13 Apr
Bendigo BankUp 0.30%Fixed Rate Home Loan - 1, 2, 3, 4, 5 Years Fixed (investor), Connect Package - 1, 2, 3, 4, 5 Years Fixed (investor), Basic Home Loan - 1, 2, 3, 4, 5 Years Fixed (investor)5 Apr
Beyond Bank0.05% - 0.25%Pinnacle Plus Package Fixed - 1, 2, 3, 4, 5 Years Fixed (owner occupier + investor), Fixed Rate Home Loan - 2, 3 Years Fixed (owner occupier + investor), Total Home Loan Package - 2, 3 Years Fixed (owner occupier + investor)26 Apr
Beyond Bank Down 0.05%Total Home Loan Package - 1, 4, 5 Years Fixed (investor)26 Apr
BOQUp 0.15%Home Loan Privileges Package - 3 Years Fixed (owner occupier + investor)5 Apr
Catalyst MoneyUp 0.20%Fixed Lite Home Loan - 3 Years Fixed (owner occupier), Fixed Home Loan - 3 Years Fixed (owner occupier)3 Apr
HomeloansUp 0.22%Ultra Plus Fixed Home Loan - 1, 2, 3, 4, 5 (investor)21 Apr
Illawarra Credit UnionUp 0.20%Fixed Lite Home Loan - 3 Years Fixed (owner occupier), Fixed Home Loan - 3 Years Fixed (owner occupier)3 Apr
IMBUp 0.04% - 0.14%Fixed Rate Home Loan - 3, 5 Years Fixed (owner occupier + investor), Platinum Package Home Loan - 3, 5 Years Fixed (owner occupier + investor)5 Apr
MEUp 0.10% - 0.15%Flexible Home Loan - 1, 2, 3 Years Fixed (owner occupier + investor), Flexible Home Loan with Member Package - 1, 2, 3 Years Fixed (owner occupier + investor), Flexible Home Loan Interest in Advance - 1 Year (investor), Flexible Home Loan with member Package - 1 Year (investor)7 Apr
MEUp 0.20% - 0.25%Flexible Home Loan Fixed - 1, 2, 3, 4, 5, 6, 7, (investor), Flexible Home Loan Fixed with Members Package - 1, 2, 3, 4, 5, 6, 7, (investor)27 Apr
Newcastle Permanent Building SocietyUp 0.10%Standard Fixed Home Loan - 4, 5, 7, 10 Years Fixed24 Apr
Newcastle Permanent Building SocietyDown 0.10%Fixed Rate Special Home Loan - 1, 2, 3 Years Fixed (Owner Occupier)24 Apr
Newcastle Permanent Building SocietyDown 0.10%Fixed Rate Special Home Loan - 4,5 Years P&I + IO (owner occupier), Standard Fixed Rate - 4, 5 Years P&I + IO (owner occupier)1 May
UbankDown 0.10%UBank UHomeLoan - 5 Years Fixed Rate (Owner Occupier + Investor)21 April
UbankUp 0.10% - 0.30%UBank UHomeLoan - 1,3 Years Fixed Rate (Owner Occupier + Investor)21 April
Virgin MoneyUp 0.15%Virgin Reward Me Fixed Home Loan - 3 Years Fixed (Investor)5 Apr

Compare home loans for November 2019 to make sure you're getting the best rate

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
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)
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.
Go to site More info
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
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.
Go to site More info
loans.com.au Smart Home Loan - (Owner Occupier, P&I)
loans.com.au Smart Home Loan - (Owner Occupier, P&I)
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.
Go to site More info
IMB Budget Home Loan - Special LVR <=90% (Owner Occupier, P&I, NSW and ACT borrowers only)
IMB Budget Home Loan - Special LVR <=90% (Owner Occupier, P&I, NSW and ACT borrowers 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.
Go to site More info
Virgin Reward Me Fixed Rate Home Loan - 2 Year LVR < 90 (Owner Occupier, P&I)
Virgin Reward Me Fixed Rate Home Loan - 2 Year LVR < 90 (Owner Occupier, P&I)
3.44%
3.41%
$0
$10 monthly ($120 p.a.)
90%
Enjoy a competitive fixed rate with no application fee. Eligible borrowers can earn Velocity Frequent Flyer Points with this mortgage, and extra bonus points for a limited time.
Enquire now More info
Reduce Rate Buster High Lend Home Loan - LVR 80%
Reduce Rate Buster High Lend Home Loan - LVR 80%
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.
Enquire now More info
Greater Bank Great Rate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
Greater Bank Great Rate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
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.
Go to site More info
Easy Street Standard Variable Special Home Loan
Easy Street Standard Variable Special Home Loan
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.
Go to site More info
ING Mortgage Simplifier Home Loan - $150,000 to $500,000 (LVR <=80% Owner Occupier, P&I)
ING Mortgage Simplifier Home Loan - $150,000 to $500,000 (LVR <=80% Owner Occupier, P&I)
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.
Enquire now More info
loans.com.au Smart Home Loan - (Investor, P&I)
loans.com.au Smart Home Loan - (Investor, P&I)
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.
Go to site More info
Macquarie Bank Basic Home Loan - LVR up to 70% (Owner Occupier, P&I)
Macquarie Bank Basic Home Loan - LVR up to 70% (Owner Occupier, P&I)
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.
Enquire now More info
UBank UHomeLoan - 3 Year Fixed Rate (Owner Occupier, P&I)
UBank UHomeLoan - 3 Year Fixed Rate (Owner Occupier, P&I)
2.69%
3.19%
$395
$0 p.a.
80%
A competitive fixed interest rate product with no ongoing bank fees.
Go to site More info
Reduce Rate Lovers Variable Home Loan - LVR up to 80% (Investor)
Reduce Rate Lovers Variable Home Loan - LVR up to 80% (Investor)
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.
Enquire now More info
Mortgage House Advantage Home Loan - 70 (PAYG Essentials)
Mortgage House Advantage Home Loan - 70 (PAYG Essentials)
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.
Enquire now More info
IMB Fixed Rate Home Loan - 3 Year Fixed (LVR ≤ 90% Owner Occupier, P&I, NSW and ACT borrowers only)
IMB Fixed Rate Home Loan - 3 Year Fixed (LVR ≤ 90% Owner Occupier, P&I, NSW and ACT borrowers only)
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.
Go to site More info
UBank UHomeLoan - 1 Year Fixed Rate (Owner Occupier, P&I)
UBank UHomeLoan - 1 Year Fixed Rate (Owner Occupier, P&I)
2.74%
3.38%
$395
$0 p.a.
80%
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.
Go to site More info
Virgin Reward Me Variable Home Loan - LVR <= 80% ($500k to $750k Owner Occupier, P&I)
Virgin Reward Me Variable Home Loan - LVR <= 80% ($500k to $750k Owner Occupier, P&I)
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.
Enquire now More info
Australian Military Bank Rate Saver Home Loan - 150K+ LVR 80% (Owner Occupier, P&I)
Australian Military Bank Rate Saver Home Loan - 150K+ LVR 80% (Owner Occupier, P&I)
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.
Go to site More info
ING Orange Advantage Loan - $150,000 to $500,000 (LVR <=80% Owner Occupier, P&I)
ING Orange Advantage Loan - $150,000 to $500,000 (LVR <=80% Owner Occupier, P&I)
3.08%
3.42%
$0
$299 p.a.
80%
Get a 100% offset account and a competitive, variable interest rate, plus no application fee.
Enquire now More info
Virgin Reward Me Fixed Rate Home Loan - 3 Year $300k+ Special offer (Owner Occupier, P&I)
Virgin Reward Me Fixed Rate Home Loan - 3 Year $300k+ Special offer (Owner Occupier, P&I)
2.89%
3.29%
$0
$10 monthly ($120 p.a.)
80%
A competitive fixed rate mortgage 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.
Enquire now More info
IMB Fixed Rate Home Loan - 2 Year Fixed (LVR ≤ 90% Owner Occupier, P&I, NSW and ACT borrowers only)
IMB Fixed Rate Home Loan - 2 Year Fixed (LVR ≤ 90% Owner Occupier, P&I, NSW and ACT borrowers only)
2.84%
3.42%
$449
$6 monthly ($72 p.a.)
90%
NSW and ACT customers only. 2 years fixed interest terms and free access to redraw facility online.
Go to site More info
Beyond Bank Total Home Loan Package - Variable LVR ≤80% (Owner Occupier, P&I)
Beyond Bank Total Home Loan Package - Variable LVR ≤80% (Owner Occupier, P&I)
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.
Go to site More info
CUA Achieve Variable Home Loan - Owner Occupier, P&I
CUA Achieve Variable Home Loan - Owner Occupier, P&I
3.20%
3.25%
$600
$0 p.a.
90%
Competitive variable rate mortgage with a partial offset account. Get this loan with a 10% deposit.
Go to site More info
Community First Accelerator Home Loan Package - $250k and over 2 Year Discounted Variable (Owner Occupier, P&I)
Community First Accelerator Home Loan Package - $250k and over 2 Year Discounted Variable (Owner Occupier, P&I)
3.24%
4.14%
$600
$395 p.a.
95%
A package loan that offers discounts and a 100% offset account.
Go to site More info
Mortgage House Advantage Home Loan - 80 (PAYG Essentials)
Mortgage House Advantage Home Loan - 80 (PAYG Essentials)
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.
Enquire now More info
Newcastle Permanent Building Society Real Deal Home Loan - Special Offer 1 (Owner Occupier, P&I)
Newcastle Permanent Building Society Real Deal Home Loan - Special Offer 1 (Owner Occupier, P&I)
3.19%
3.23%
$595
$0 p.a.
90%
A discounted variable rate with low ongoing fees and redraw facility. Low deposit option available.
Go to site More info
Community First Accelerator Home Loan Package - $250k and over 2 Year Discounted Variable (Investor, P&I)
Community First Accelerator Home Loan Package - $250k and over 2 Year Discounted Variable (Investor, P&I)
3.54%
4.44%
$600
$395 p.a.
95%
A package loan that offers discounts and a 100% offset account.
Go to site More info
Hume Bank Flexi Low Rate Home Loan - (Owner Occupier, P&I)
Hume Bank Flexi Low Rate Home Loan - (Owner Occupier, P&I)
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.
Go to site More info
Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer Discount 1 ($150k+ Owner Occupier, P&I)
Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer Discount 1 ($150k+ Owner Occupier, P&I)
3.19%
3.59%
$0
$395 p.a.
90%
New borrowers or refinancers can get a discounted rate with this package loan.
Go to site More info
Hume Bank Intro Package - 2 Year Fixed (Owner Occupier P&I)
Hume Bank Intro Package - 2 Year Fixed (Owner Occupier P&I)
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.
Go to site More info
Australian Military Bank Rate Saver Home Loan - 150K+ LVR 80% (Investor, P&I)
Australian Military Bank Rate Saver Home Loan - 150K+ LVR 80% (Investor, P&I)
3.65%
3.66%
$500 (if over 80% LVR)
$0 p.a.
80%
A variable investment mortgage with flexible repayments and an optional redraw facility.
Go to site More info
Newcastle Permanent Building Society Premium Plus Package Fixed Rate - 1 Year Fixed (Owner Occupier, P&I)
Newcastle Permanent Building Society Premium Plus Package Fixed Rate - 1 Year Fixed (Owner Occupier, P&I)
2.99%
4.13%
$0
$395 p.a.
90%
Enjoy a competitive rate with no application fee for this package loan.
Go to site More info
UBank UHomeLoan - 1 Year Fixed Rate (Investor, P&I)
UBank UHomeLoan - 1 Year Fixed Rate (Investor, P&I)
2.89%
3.84%
$395
$0 p.a.
80%
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
Go to site More info
Newcastle Permanent Building Society Fixed Rate Home Loan - 2 Year Fixed (Owner Occupier, P&I)
Newcastle Permanent Building Society Fixed Rate Home Loan - 2 Year Fixed (Owner Occupier, P&I)
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.
Go to site More info
Virgin Reward Me Variable Home Loan - LVR <=80% ($500k to $750k Owner Occupier, IO)
Virgin Reward Me Variable Home Loan - LVR <=80% ($500k to $750k Owner Occupier, IO)
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.
Enquire now More info
Adelaide Bank SmartFix Home Loan - 2 Year Fixed Rate (Owner Occupier, IO)
Adelaide Bank SmartFix Home Loan - 2 Year Fixed Rate (Owner Occupier, IO)
3.59%
3.37%
$375
$15 monthly ($180 p.a.)
80%
Home buyers with a 20% deposit can get this low interest-only rate. It also comes with a 100% offset account.
Enquire now More info
ING Orange Advantage Loan - $150k to $500k (LVR <= 80% Owner Occupier, IO)
ING Orange Advantage Loan - $150k to $500k (LVR <= 80% Owner Occupier, IO)
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.
Enquire now More info

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