RatesBoard

Home loan rate changes

83 changes recorded in the last 30 days, across 20 lenders. The biggest single change: Teachers Mutual Bank Your Way fixed rate, 3-year term, 4.95% → 6.54% (+159 bp), recorded 15 Sept 2026 (previous value last seen 30 Oct 2025).

Every row is a change in a lender's advertised rate, read from the lenders' own published figures - public, standardised open data feeds under the Consumer Data Right - and logged by our daily sync. Rates as at 18 Sept 2026. See our methodology.

  1. NABfixed rate home loan, 1-year term6.44% → 6.59%(+15 bp)previous value last seen 17 Sept 2026
  2. NABfixed rate home loan, 2-year term6.34% → 6.49%(+15 bp)previous value last seen 17 Sept 2026
  3. NABfixed rate home loan, 3-year term6.49% → 6.64%(+15 bp)previous value last seen 17 Sept 2026
  4. NABfixed rate home loan, 4-year term (listed on NAB's page Jan & Apr)6.49% → 6.64%(+15 bp)previous value last seen 17 Sept 2026
  5. NABfixed rate home loan, 5-year term6.49% → 6.64%(+15 bp)previous value last seen 17 Sept 2026
  6. ANZFixed Rate Home Loan, 2-year term6.29% → 6.49%(+20 bp)previous value last seen 16 Sept 2026
  7. ANZFixed Rate Home Loan, 1-year term6.34% → 6.49%(+15 bp)previous value last seen 16 Sept 2026
  8. ANZFixed Rate Home Loan, 3-year term6.49% → 6.64%(+15 bp)previous value last seen 16 Sept 2026
  9. ANZFixed Rate Home Loan, 5-year term6.59% → 6.69%(+10 bp)previous value last seen 16 Sept 2026
  10. ANZFixed Rate Home Loan, 4-year term (money.com.au ladder only)6.54% → 6.64%(+10 bp)previous value last seen 16 Sept 2026
  11. INGFixed Rate Home Loan, 1-year term6.34% → 6.44%(+10 bp)previous value last seen 15 Sept 2026
  12. INGFixed Rate Home Loan, 2-year term6.29% → 6.39%(+10 bp)previous value last seen 15 Sept 2026
  13. INGFixed Rate Home Loan, 3-year term6.49% → 6.59%(+10 bp)previous value last seen 15 Sept 2026
  14. INGFixed Rate Home Loan, 5-year term6.59% → 6.69%(+10 bp)previous value last seen 15 Sept 2026
  15. Teachers Mutual BankYour Way fixed rate, 3-year term4.95% → 6.54%(+159 bp)previous value last seen 30 Oct 2025
  16. Teachers Mutual BankYour Way fixed rate, 5-year term5.24% → 6.74%(+150 bp)previous value last seen 30 Oct 2025
  17. Teachers Mutual BankYour Way fixed rate, 2-year term4.95% → 6.44%(+149 bp)previous value last seen 30 Oct 2025
  18. Teachers Mutual BankYour Way fixed rate, 4-year term5.24% → 6.59%(+135 bp)previous value last seen 30 Oct 2025
  19. Teachers Mutual BankYour Way fixed rate, 1-year term5.14% → 6.39%(+125 bp)previous value last seen 30 Oct 2025
  20. BankwestFixed Rate Home Loan, 2-year term5.74% → 6.59%(+85 bp)previous value last seen 18 Feb 2026
  21. BankwestFixed Rate Home Loan, 3-year term5.99% → 6.69%(+70 bp)previous value last seen 18 Feb 2026
  22. BankwestFixed Rate Home Loan, 4-year term6.09% → 6.74%(+65 bp)previous value last seen 18 Feb 2026
  23. BankwestFixed Rate Home Loan, 5-year term6.19% → 6.79%(+60 bp)previous value last seen 18 Feb 2026
  24. RACQ Bank1-year Fixed Home Loan, owner-occupier6.19% → 6.69%(+50 bp)previous value last seen 13 Apr 2026
  25. RACQ Bank2-year Fixed Home Loan, owner-occupier6.24% → 6.74%(+50 bp)previous value last seen 13 Apr 2026
  26. RACQ Bank3-year Fixed Home Loan, owner-occupier6.24% → 6.74%(+50 bp)previous value last seen 13 Apr 2026
  27. RACQ Bank5-year Fixed Home Loan, owner-occupier6.44% → 6.94%(+50 bp)previous value last seen 13 Apr 2026
  28. RACQ BankMortgage Breaker - variable, owner-occupier, P&I5.84% → 6.34%(+50 bp)previous value last seen 10 May 2026
  29. P&N BankFixed Home Loan (P&I), 1-year term6.64% → 6.27%(-37 bp)previous value last seen 21 May 2026
  30. BankwestComplete Variable Home Loan Package - owner-occupier, P&I5.94% → 6.19%(+25 bp)previous value last seen 12 Apr 2026
  31. P&N BankOffset Variable Home Loan - owner-occupier, P&I5.92% → 6.17%(+25 bp)previous value last seen 13 Apr 2026
  32. RACQ BankMortgage Saver Home Loan - owner-occupier, P&I5.99% → 6.24%(+25 bp)previous value last seen 13 June 2026
  33. RACQ BankFair Dinkum Home Loan - owner-occupier, P&I5.89% → 6.14%(+25 bp)previous value last seen 19 May 2026
  34. IMB BankEssentials Home Loan - owner-occupier, P&I5.89% → 6.09%(+20 bp)previous value last seen 15 May 2026
  35. Teachers Mutual BankYour Way Home Loan - owner-occupier, P&I5.74% → 5.94%(+20 bp)previous value last seen 26 Mar 2026
  36. Teachers Mutual BankYour Way Plus Home Loan - owner-occupier, P&I5.74% → 5.94%(+20 bp)previous value last seen 26 Mar 2026
  37. P&N BankFixed Home Loan (P&I), 2-year term6.54% → 6.37%(-17 bp)previous value last seen 21 May 2026
  38. IMB Bank3-year Fixed Rate Home Loan6.39% → 6.24%(-15 bp)previous value last seen 17 June 2026
  39. MyState BankFixed Rate Loan, 1-year term6.34% → 6.49%(+15 bp)previous value last seen 17 May 2026
  40. Bank of SydneyBOS Basic Home Loan - owner-occupier, P&I6.19% → 6.09%(-10 bp)previous value last seen 12 June 2026
  41. Bank of SydneyExpect More Home Loan - owner-occupier, P&I6.39% → 6.29%(-10 bp)previous value last seen 12 June 2026
  42. IMB Bank4-year Fixed Rate Home Loan6.49% → 6.39%(-10 bp)previous value last seen 17 June 2026
  43. IMB Bank5-year Fixed Rate Home Loan6.49% → 6.39%(-10 bp)previous value last seen 17 June 2026
  44. IMB Bank1-year Fixed Rate Home Loan6.29% → 6.24%(-5 bp)previous value last seen 17 June 2026
  45. IMB Bank2-year Fixed Rate Home Loan6.29% → 6.24%(-5 bp)previous value last seen 17 June 2026
  46. MyState BankBasic Variable Loan - owner-occupier, P&I6.09% → 6.04%(-5 bp)previous value last seen 16 June 2026
  47. MyState BankSpecial Residential Variable Loan - owner-occupier, P&I5.99% → 6.04%(+5 bp)previous value last seen 12 Apr 2026
  48. Great Southern BankFixed Rate Home Loan, 5-year term6.30% → 6.55%(+25 bp)previous value last seen 10 Sept 2026
  49. Great Southern BankFixed Rate Home Loan, 1-year term6.35% → 6.50%(+15 bp)previous value last seen 10 Sept 2026
  50. Great Southern BankFixed Rate Home Loan, 3-year term6.35% → 6.50%(+15 bp)previous value last seen 10 Sept 2026
  51. Great Southern BankFixed Rate Home Loan, 2-year term6.40% → 6.50%(+10 bp)previous value last seen 10 Sept 2026
  52. Macquariefixed rate home loan (Basic/Offset), 3-year term, <=70% LVR6.09% → 6.39%(+30 bp)previous value last seen 7 Sept 2026
  53. Macquariefixed rate home loan (Basic/Offset), 2-year term, <=70% LVR6.14% → 6.39%(+25 bp)previous value last seen 7 Sept 2026
  54. Macquariefixed rate home loan (Basic/Offset), 1-year term, <=70% LVR6.19% → 6.39%(+20 bp)previous value last seen 7 Sept 2026
  55. Macquariefixed rate home loan (Basic/Offset), 4-year term, <=70% LVR6.29% → 6.44%(+15 bp)previous value last seen 7 Sept 2026
  56. Macquariefixed rate home loan (Basic/Offset), 5-year term, <=70% LVR6.29% → 6.44%(+15 bp)previous value last seen 7 Sept 2026
  57. CBACommBank Simple Home Loan - variable, no-offset basic product6.34% → 6.24%(-10 bp)previous value last seen 15 May 2026
  58. Bank AustraliaBasic Home Loan - variable, no-offset5.38% → 6.13%(+75 bp)previous value last seen 28 Oct 2025
  59. UpHome Fixed Term Loan, 2-year term5.65% → 6.40%(+75 bp)previous value last seen 13 Mar 2026
  60. UpHome Fixed Term Loan, 1-year term5.65% → 6.35%(+70 bp)previous value last seen 13 Mar 2026
  61. UpHome Fixed Term Loan, 3-year term5.75% → 6.35%(+60 bp)previous value last seen 13 Mar 2026
  62. UpHome Variable Rate Loan - variable with offset; headline = 90% max LVR5.45% → 5.95%(+50 bp)previous value last seen 13 Mar 2026
  63. UpHome Fixed Term Loan, 5-year term6.05% → 6.40%(+35 bp)previous value last seen 13 Mar 2026
  64. ME Bankfixed rate home loan, 5-year term6.74% → 6.94%(+20 bp)previous value last seen 8 May 2026
  65. CBACommBank fixed rate home loan, 5-year term6.64% → 6.79%(+15 bp)previous value last seen 15 May 2026
  66. ME Bankfixed rate home loan, 3-year term6.44% → 6.29%(-15 bp)previous value last seen 8 May 2026
  67. Bank AustraliaOffset Home Loan - variable with offset; headline = <=70% LVR tier6.24% → 6.13%(-11 bp)previous value last seen 20 May 2026
  68. Qudos BankFixed Rate Home Loan, 1-year term (<=80% LVR)6.24% → 6.34%(+10 bp)previous value last seen 20 May 2026
  69. Qudos BankFixed Rate Home Loan, 2-year term (<=80% LVR)6.29% → 6.39%(+10 bp)previous value last seen 20 May 2026
  70. Qudos BankFixed Rate Home Loan, 3-year term (<=80% LVR)6.39% → 6.49%(+10 bp)previous value last seen 20 May 2026
  71. Qudos BankFixed Rate Home Loan, 5-year term (<=80% LVR)6.49% → 6.59%(+10 bp)previous value last seen 20 May 2026
  72. ME BankEconoME Home Loan - variable, no-offset basic loan6.08% → 5.99%(-9 bp)previous value last seen 16 May 2026
  73. ME BankCompleteME Home Loan - variable with offset6.09% → 6.04%(-5 bp)previous value last seen 16 May 2026
  74. ME Bankfixed rate home loan, 2-year term6.29% → 6.24%(-5 bp)previous value last seen 8 May 2026
  75. AMP BankAMP Essential Home Loan - owner-occupier, P&I6.18% → 5.99%(-19 bp)previous value last seen 30 June 2026
  76. NABTailored Home Loan - variable, standard retail rate; LVR-tiered (tiers in tailoredVariableTiers)6.79% → 6.09%(-70 bp)previous value last seen 22 July 2026
  77. WestpacFlexi First Option Home Loan - variable, basic $0-fee loan; 'Discounted rate' used (online offer tracked in notes)6.44% → 5.99%(-45 bp)previous value last seen 15 May 2026
  78. Greater BankGreat Rate Home Loan, 3-year fixed6.09% → 6.39%(+30 bp)previous value last seen 12 May 2026
  79. Greater BankGreat Rate Home Loan, 4-year fixed6.24% → 6.54%(+30 bp)previous value last seen 12 May 2026
  80. Greater BankGreat Rate Home Loan, 1-year fixed6.04% → 6.29%(+25 bp)previous value last seen 12 May 2026
  81. Greater BankGreat Rate Home Loan, 2-year fixed6.04% → 6.29%(+25 bp)previous value last seen 12 May 2026
  82. Greater BankGreat Rate Home Loan, 5-year fixed6.29% → 6.54%(+25 bp)previous value last seen 12 May 2026
  83. Greater BankGreat Rate Home Loan (incl. discounted rate) - variable, owner-occupier, P&I5.94% → 5.84%(-10 bp)previous value last seen 10 June 2026