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Guides and notes on Australian home loan rates.
Is a fixed rate meant to be cheaper than a variable one?
All 31 lenders on our board price a two-year fixed rate above their own cheapest variable rate today, and the median gap is 0.35 points.
22 Oct 2026 · 3 min readRBA rate forecast: what the market expects in October 2026
Futures put a 22 per cent chance on a November rise at Monday's close, down from 27 per cent before the September jobs figures. The big four banks' economists are still split two and two.
20 Oct 2026 · 2 min readThe Best Home Loan Rates Available in October 2026
Greater Bank has the lowest variable comparison rate on our board at 6.10%, and 30 of our 31 lenders have now passed on the Reserve Bank's 0.25 point rise.
17 Oct 2026 · 4 min readWhat the RBA minutes said in October 2026
The minutes of the 29 September meeting give three reasons for raising the cash rate and one paragraph to holding. The big four banks' economists are split two and two on November.
13 Oct 2026 · 3 min readWhat rate should you ask your bank for?
Start with your own lender's cheapest advertised rate. Each of the big four advertises one variable loan at least 0.25 points under another of its own.
8 Oct 2026 · 3 min readRBA raises the cash rate to 4.60% (September 2026)
The Reserve Bank lifted the cash rate by 0.25 percentage points to 4.60% on 29 September, its fourth rise this year. Fixed rates had already moved; variable rates come next.
29 Sept 2026 · 3 min readIs an offset account worth paying for?
It depends on your balance. About $4,100 in a Ubank offset covers its $250 annual fee; a lender that charges for the offset through the rate needs far more.
24 Sept 2026 · 3 min readRBA rate forecast: what the market expects in September 2026
The ASX futures market ended Monday pricing an 88 per cent chance of a rise to 4.60 per cent on 29 September. All four big banks now expect one, and the argument has moved to November.
22 Sept 2026 · 3 min readWhat happens when your fixed rate ends?
When a fixed term ends, the loan rolls onto a variable rate your lender sets, and the rate in the roll-off letter is worth checking against the board: the cheapest variable we track is 5.85% comparison.
17 Sept 2026 · 3 min readHSBC is leaving Australia: what it means for your home loan
HSBC's $36 billion home loan book is changing hands, and it will be serviced by Pepper Money from the first half of 2027. Rates and fees transfer unchanged, which leaves one number worth checking.
16 Sept 2026 · 2 min readRBA rate forecast: what the market expects in September 2026
The futures market ended Monday pricing a 76 per cent chance of a rate rise on 29 September, and the big four banks are split on whether it arrives then or in November.
15 Sept 2026 · 3 min readThe Best Home Loan Rates Available in September 2026
Up holds the cheapest rate on the board this month at 5.95% comparison, and it leads every category we can rank. Here is what moved in the last four weeks.
12 Sept 2026 · 3 min readWhy We Built RatesBoard
A home loan is the biggest regular payment most people will ever make, and the only one whose price can change without anyone telling them. That's why this site exists.
12 Sept 2026 · 3 min read