RBA rate tracker: every lender passing on the March 2026 cash rate hike
We're tracking every lender that's announced a home loan interest rate increase, when, and by how much.
Key takeaways
- The Reserve Bank increased the cash rate to 4.10% on 17 March 2026.
- We're tracking every lender announcement right here.
- Check back in as lenders begin to announce their home loan rate moves.
Which lenders have announced a rate increase?
Search for your lender in the table below. We will update this table as lenders announce rate hikes.
Why did the RBA increase the cash rate in March 2026?
One of the Reserve Bank's main jobs is to keep inflation at a reasonable level. This is a target of 2-3% annual inflation.
Increasing the cash rate is a way of reducing inflation by making borrowing more expensive.
Inflation is high
And inflation is not currently within the RBA's target. The latest Consumer Price Index has annual inflation at 3.8%.
That data reflects inflation prior to the RBA's February cash rate hike, which should have some effect in bringing inflation down.
But a lot has happened in the world since the February rate decision. The United States and Israel engaged in a war with Iran. Iran responded by closing the Strait of Hormuz.
Around 25% of the world's oil supply passes through this shipping lane, not to mention large amounts of urea, a key fertiliser ingredient. The mere risk of the Strait closing has an impact on prices. The actual closure has enormous inflationary impacts on both fuel and food production.
So while the average Australian borrower isn't responsible for geopolitical conflict of this kind, the RBA only has one tool to combat inflation: higher rates. And it is using this tool.
My home loan rate is going up, what should I do?
If you have a variable rate home loan there's a very strong chance it's going to increase in the next few weeks, if not sooner.
You can:
- Be prepared. Use a home loan calculator and see how much the rate rise will cost you.
- Budget accordingly. Review your spending and see if you can find other ways to cut down your costs so you can afford the extra home loan repayments.
- Start shopping around. Lenders want your business. Many of them offer better rates for new customers. A rate rise is as good a time as any to compare home loan rates and see if there's a better deal out there somewhere.
Sources
More resources on Finder
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