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. So far over 50 banks and lenders have announced 25 basis point rate hikes.
  • 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.

Lender Increase details Effective date More info
ANZ25 basis pointsFri 27 Mar 2026
CommBank25 basis pointsFri 27 Mar 2026
NAB25 basis pointsFri 27 Mar 2026
Westpac25 basis pointsTue 31 Mar 2026
AMP25 basis pointsMon 23 Mar 2026
Arab Bank Australia25 basis pointsTue 31 Mar 2026
Athena
Aussie25 basis pointsWed 25 Mar 2026
Australian Military Bank25 basis pointsWed 01 Apr 2026
Australian Mutual Bank25 basis pointsWed 01 Apr 2026
AusWide Bank25 basis pointsThu 26 Mar 2026
Bank Australia25 basis pointsWed 01 Apr 2026
Bank First25 basis pointsThu 02 Apr 2026
Bank of China
Bank of Melbourne25 basis pointsTue 31 Mar 2026
Bank of Sydney25 basis pointsTue 14 Apr 2026
Bank of us25 basis pointsThu 02 Apr 2026
Bank Orange
BankSA25 basis pointsTue 31 Mar 2026
BankVic25 basis pointsTue 31 Mar 2026
BankWAW
Bankwest25 basis pointsFri 27 Mar 2026
BCU Bank25 basis pointsMon 30 Mar 2026
Bendigo Bank25 basis pointsWed 25 Mar 2026
Beyond Bank25 basis pointsTue 31 Mar 2026
Bluestone25 basis pointsTue 24 Mar 2026
BOQ25 basis pointsFri 20 Mar 2026
Border Bank25 basis pointsFri 20 Mar 2026
Broken Hill Bank
Cairns Bank
Central Murray Bank
Central West Credit Union
Coastline Bank
Community First Bank25 basis points
Credit Union SA25 basis pointsWed 01 Apr 2026
Defence Bank
Dnister
Easy Street25 basis points
Family First Credit Union
Fire Service Credit Union
Firefighters Mutual Bank25 basis pointsThu 26 Mar 2026
First Option Bank
Firstmac
Freedom Lend
G&C Mutual Bank
Gateway Bank
Geelong Bank25 basis pointsMon 30 Mar 2026
Goulburn Murray Credit Union25 basis pointsFri 10 Apr 2026
Great Southern Bank25 basis pointsFri 27 Mar 2026
Greater Bank25 basis pointsThu 02 Apr 2026
Heritage Bank25 basis pointsFri 27 Mar 2026
Homeloans25 basis pointsFri 27 Mar 2026
HomeStar Finance25 basis pointsMon 23 Mar 2026
Horizon Bank
HSBC25 basis pointsMon 30 Mar 2026
Hume Bank
Illawarra Credit Union25 basis points
IMB25 basis pointsFri 27 Mar 2026
ING25 basis pointsFri 27 Mar 2026
La Trobe
Laboratories Credit Union25 basis pointsFri 10 Apr 2026
Liberty Financial
loans.com.au
Macquarie Bank25 basis pointsThu 02 Apr 2026
ME25 basis pointsSat 21 Mar 2026
Mortgage House
MOVE Bank
MyState Bank25 basis pointsThu 26 Mar 2026
Newcastle Permanent25 basis pointsFri 27 Mar 2026
NICU25 basis pointsWed 01 Apr 2026
NRMA Insurance Home Loan25 basis pointsFri 27 Mar 2026
P&N Bank25 basis pointsMon 30 Mar 2026
Pacific Mortgage Group
People's Choice Credit Union25 basis pointsFri 27 Mar 2026
Pepper Money25 basis pointsFri 27 Mar 2026
Police Bank25 basis pointsFri 27 Mar 2026
Police Credit Union
Qantas Money25 basis pointsFri 27 Mar 2026
QBank25 basis pointsMon 30 Mar 2026
Qudos Bank25 basis pointsWed 01 Apr 2026
Queensland Country Bank
RACQ Bank25 basis pointsTue 31 Mar 2026
Reduce
Regional Australia Bank25 basis pointsTue 07 Apr 2026
resi
RESIMAC Financial Services25 basis pointsFri 27 Mar 2026
South West Slopes Bank
Southern Cross Credit Union25 basis pointsWed 01 Apr 2026
St.George25 basis pointsTue 31 Mar 2026
Skip25 basis pointsMon 23 Mar 2026
Summerland Bank
Suncorp25 basis pointsFri 27 Mar 2026
Teachers Mutual Bank25 basis pointsThu 26 Mar 2026
The Capricornian
The Mac
The Mutual Bank25 basis pointsThu 09 Apr 2026
Tiimely Home
Transport Mutual Credit Union
Ubank25 basis pointsThu 26 Mar 2026
UniBank25 basis pointsThu 26 Mar 2026
Unity Bank
Unloan25 basis pointsFri 27 Mar 2026
Up Home Loan
Virgin Money25 basis pointsSat 21 Mar 2026
Well Money
Yard
Yellow Brick Road

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:

  1. Be prepared. Use a home loan calculator and see how much the rate rise will cost you.
  2. 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.
  3. 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

Richard Whitten's headshot
Senior Money Editor

Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 720 Finder guides across topics including:
  • Home loans
  • Credit cards
  • Personal finance
  • Money-saving tips
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