Variable home loan check

Variable home loan rates are rising: know your date

Lenders are passing on the latest rate rise on different days, and not every lender has announced yet. Take a few minutes to find your date, your new repayment and whether your account is ready.

Why now

On 3 November 2026 the Reserve Bank raised the cash rate target to 4.85% (RBA decision). The big four banks have announced 0.25% p.a. rises to variable home loan rates from 13 November (Finder’s lender tracker).

When the new rate starts

  • 5 NovemberBankVic
  • 12 NovemberSome mutual banks
  • 13 NovemberANZ, CommBank, NAB, Westpac
  • 19 NovemberMacquarie

A few of the dates in Finder’s lender tracker, which lists each lender’s rise and the date it starts. Not every lender has announced yet, and your lender’s notice is what counts.

Find your date and new repayment in 4 checks

  1. Find your date

    Find your lender in Finder’s lender tracker: it shows the date your new variable rate starts. If your lender isn’t there yet, look for its notice in your app, email or online banking.

  2. Find your new repayment

    Your lender’s notice or app should show your new minimum repayment. Can’t find it yet? Estimate it with Finder’s mortgage repayment calculator using your balance, remaining term and new rate.

  3. Check the account it comes out of

    Make sure the account your repayment comes out of can cover the new amount on your first repayment after the change. If you pay a set amount above the minimum, check it still covers the new minimum. Worried about keeping up?

  4. See how your rate compares

    Moneysmart says there can be a difference of more than 2% between variable home loan rates on the market, so it’s worth checking from time to time. Switching has costs, and staying with your lender may be right for you. Some people ask their lender for a better rate first. Compare variable home loan rates on Finder.

Your next step

Want to see what else is out there? Compare rates before you talk to your lender.

Compare variable home loan rates on Finder

Compare variable rates side by side, including fees and features.

Get started

Happy where you are? You don’t need to do anything else today.

Finder may be paid when you click some links or take out some products, and promoted products may be shown more prominently. Our comparison doesn’t cover every product on the market.

Worried about keeping up?

Contact your lender early. The big four banks have said customers under financial strain should get in touch as soon as possible.

Moneysmart also explains your options if you’re having problems paying your mortgage.

Important information

General advice only. It doesn’t consider your objectives, financial situation or needs, so consider whether it’s appropriate for you and read the lender’s Key Facts Sheet and Target Market Determination before acting. Hive Empire Pty Ltd (ACL 385509).

This page doesn’t predict interest rates or promise any saving. Rates, dates, fees and features vary by lender.

Information current as at 5 November 2026.

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