Home loan rate history
Lowest advertised rate by lender over time, against the RBA cash rate. Rates as at 28 Oct 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.
The RBA cash rate is 4.60% as at 28 Oct 2026, and has held there since 30 Sept 2026. It moved 4 times in the period this chart covers: rising to 3.85% on 4 Feb 2026, rising to 4.10% on 18 Mar 2026, rising to 4.35% on 6 May 2026 and rising to 4.60% on 30 Sept 2026. The reading is the most recent published target we have read; a Board decision appears here once the RBA publishes it.
The chart below plots the lowest advertised rate for the 31 lenders we track, from 1 Oct 2025 to 28 Oct 2026, across 175 distinct observation dates. Where a rate changed, the date is the day our daily sync first saw the new value, not necessarily the day the rate moved.
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Which lenders have changed a variable rate since the 29 Sept 2026 RBA decision: rate changes.