RBA Rate Cut October: Which home loans are getting the cut?

author-avatar By on October 01, 2019
RBA Rate Cut October: Which home loans are getting the cut?

Australia’s cash rate has been cut for the third time in four months. Savings.com.au will keep you updated with the latest home loan rate cut announcements from some of the nation’s most popular lenders.

As expected by many, the Reserve Bank of Australia (RBA) took the axe to the cash rate again this month, lowering it by 25 basis points from 1.00% to 0.75%.

Savings.com.au will provide regular updates below of which lenders are announcing they are passing on this October rate cut to home loans.

Current low rate home loans

For quick reference: As things stand, these are some of the sharpest variable home loan rates Savings.com.au has found on offer which may represent the ‘best of’ the big four banks, the ‘best of’ the top 10 customer-owned institutions and the ‘best of’ the larger non-banks:

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Which banks and lenders are cutting interest rates?

All cuts below refer to lenders’ responses to the RBA’s October rate cut. To see how these rate cuts compare with previous months’, check out our June and July RBA Rate Cut pages.

Last updated: 01/11/2019

Note: P&I=Principal and Interest, IO=Interest Only, OO=Owner Occupier

Please note that the “new lowest advertised variable rates” listed for each lender excludes introductory & honeymoon rates and package rates. Rates are correct at the time of the last update to this page. Lowest rates will only be listed if they are new (i.e. the rate became that lender’s lowest rate after some or all of the RBA’s June cash rate cut were passed on) and currently available.

Adelaide Bank interest rate cut

AMP interest rate cut

ANZ interest rate cut

Athena interest rate cut

Aussie interest rate cut

Auswide Bank interest rate cut

Australian Unity interest rate cut

Bank Australia interest rate cut

Bankfirst interest rate cut

Bank of Melbourne interest rate cut

Bank of Sydney interest rate cut

BankSA interest rate cut

BankVic interest rate cut

Bankwest interest rate cut

BCU interest rate cut

Bendigo Bank interest rate cut

Beyond Bank interest rate cut

Bank of Queensland interest rate cut

Citi interest rate cut

Commonwealth Bank interest rate cut

Credit Union SA interest rate cut

CUA interest rate cut

Defence Bank interest rate cut

FreedomLend interest rate cut

G&C Mutual Bank interest rate cut

Gateway Bank interest rate cut

Greater Bank interest rate cut

Heritage Bank interest rate cut

Homestar Finance interest rate cut

HSBC interest rate cut

Hume Bank interest rate cut

Hunter United interest rate cut

IMB Bank interest rate cut

ING interest rate cut

Liberty interest rate cut

Loans.com.au interest rate cut

Macquarie Bank interest rate cut

ME Bank interest rate cut

Move Bank interest rate cut

MyState Bank interest rate cut

NAB interest rate cut

Newcastle Permanent interest rate cut

P&N Bank interest rate cut

People’s Choice Credit Union interest rate cut

Pepper Money interest rate cut

Police Bank interest rate cut

Police Credit Union interest rate cut

QBank interest rate cut

Qudos Bank interest rate cut

RACQ Bank interest rate cut

RAMS interest rate cut

Reduce Home Loans interest rate cut

Resimac interest rate cut

SCU interest rate cut

State Custodians interest rate cut

St.George interest rate cut

Suncorp interest rate cut

Teachers Mutual Bank interest rate cut

The Mutual Bank interest rate cut

TicToc interest rate cut

UBank interest rate cut

UniBank interest rate cut

Unity Bank interest rate cut

Virgin Money interest rate cut

Westpac interest rate cut

Adelaide Bank interest rate cut

AMP interest rate cut

ANZ interest rate cut

  • Rate cut: 14-25 basis points
  • Applies to: Variable home loans, including:
    • OO P&I standard variable (14 basis points)
    • Investment IO standard variable (25 basis points)
  • Announcement date: 02 October 2019
  • Effective date: 11 October 2019 (10 days after RBA rate cut)
  • July rate cut: 25 basis points (0.25% points)
  • June rate cut: 18 basis points (0.18% points)
  • New lowest advertised variable rate: 3.24% p.a. (3.28% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
  • Other info: 

Athena interest rate cut

Aussie interest rate cut

  • Rate cut: 15-25 basis points (0.15-0.25% points)
  • Applies to: New and existing customers on some loans:
    • Aussie Select: OO P&I, OO IO, Investor P&I (15 basis points)
    • Aussie Select: Investor IO (25 basis points)
    • Aussie Elevate: OO P&I, OO IO, Investor P&I, Investor IO (15 basis points)
  • Announcement date: 11 October 2019
  • Effective date: 15 October 2019 (Aussie Elevate), 22 October (Aussie Select)
  • New lowest advertised variable rate: 3.09% p.a. (3.12% p.a. comp. rate*) for OO P&I borrowers with up to 95% LVR (full doc loan)
  • Other info: 

Australian Unity interest rate cut

Auswide Bank interest rate cut

  • Rate cut: 10-25 basis points (0.10-0.25% points)
  • Applies to:  Various loans for existing customers:
    • RBA Rate Tracker Home Loan (25 basis points)**
    • OO and Investment P&I home loans (14 basis points)
    • OO and Investment IO home loans and lines of credit (10 basis points)
  • Announcement date: 01 October 2019 (RBA Rate Tracker loan only), 04 October 2019 (other loans)
  • Effective date: 03 October 2019 (RBA Rate Tracker loan only), 25 October 2019 (other loans)
  • July rate cut: 10-25 basis points (0.10-0.25% points)
  • June rate cut: 25 basis points (0.25% points)
  • New lowest advertised variable rate: 3.24% p.a. (3.26% pa comp rate*) for OO P&I borrowers with up to 80% LVR
  • Other info: **Both new and existing RBA Rate Tracker Home Loan customers are applicable for the 25 basis point rate adjustment

Bank Australia interest rate cut

Bank of Melbourne interest rate cut

Bank of Queensland interest rate cut

  • Rate cut: 10-25 basis points (0.10-0.25% points)
  • Applies to: New and existing variable rate home loan customers:
    • OO P&I (10 basis points)
    • OO IO (25 basis points)
    • Investor P&I (10 basis points)
    • Investor IO (25 basis points)
  • Announcement date: 04 October 2019
  • Effective date: 25 October 2019 (24 days after RBA rate cut)
  • July rate cut: 15 basis points (0.15% points)
  • June rate cut: 15-25 basis points (0.15%-0.25% points)
  • New lowest advertised variable rate:  3.49% p.a. (3.65% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
  • Other info: 

Bank of Sydney interest rate cut

Bankfirst interest rate cut

  • Rate cut: 20-25 basis points (0.20-0.25% points)
  • Applies to: OO and Investment home loans:
    • First Rate, Premier Package and Complete OO home loans (20 basis points)
    • Standard OO home loan (25 basis points)
    • Standard, Premier Package and Complete home loans (25 basis points)
  • Announcement date: 21 October 2019
  • Effective date: 25 October 2019 (24 days after RBA rate cut)
  • July rate cut: 13-25 basis points (0.13-0.25% points)
  • June rate cut: 7-30 basis points (0.07%-0.30% points)
  • New lowest advertised variable rate: 3.19% p.a. (3.24% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
  • Other info: Other fixed and variable home loans reduced up to 25 basis points

BankSA interest rate cut

BankVic interest rate cut

Bankwest interest rate cut

  • Rate cut: 13-25 basis points (0.13-0.25% points)
  • Applies to: Standard variable rate home loans:
    • Owner Occupied Principal and Interest Standard Variable Rate home loans reduced by 13 basis points
    • Investor Principal and Interest Standard Variable Rate home loans reduced by 13 basis points
    • Owner Occupied Interest Only Standard Variable Rate home loans reduced by 13 basis points
    • Investor Interest Only Standard Variable Rate home loans reduced by 25 basis points
  • Announcement date: 02 October 2019
  • Effective date: 16 October 2019 (15 days after RBA cut)
  • July rate cut: 19 basis points (0.19% points)
  • June rate cut: 25 basis points (0.25% points)
  • New lowest advertised variable rate: 3.57% p.a. (4.00% p.a. comp rate*) for OO P&I borrowers with up to 90% LVR
  • Other info: 

BCU interest rate cut

  • Rate cut: 15-25 basis points (0.15-0.25% points)
  • Applies to: Variable rate loans:
    • Investment (25 basis points): Standard variable, Maximum Discount, Line of Credit, OMG
    • OO (16 basis points): Standard variable, Maximum Discount, Line of Credit
    • OO OMG (15 basis points)
  • Announcement date: 09 October 2019
  • Effective date: 01 November 2019 (31 days after RBA cut)
  • July rate cut: 20-25 basis points (0.20-0.25% points)
  • June rate cut: 25 basis points (0.25% points)
  • New lowest advertised variable rate: 3.19% p.a. (3.23% p.a. comp rate*) for OO P&I borrowers with less than 80% LVR
  • Other info: 

Bendigo Bank interest rate cut

Beyond Bank interest rate cut

Citi interest rate cut

Commonwealth Bank interest rate cut

  • Rate cut: 13-25 basis points (0.13-0.25% points)
  • Applies to: Standard variable rate home loans:
    • Owner Occupied Principal and Interest Standard Variable Rate home loans reduced by 13 basis points
    • Investor Principal and Interest Standard Variable Rate home loans reduced by 13 basis points
    • Owner Occupied Interest Only Standard Variable Rate home loans reduced by 13 basis points
    • Investor Interest Only Standard Variable Rate home loans reduced by 25 basis points
  • Announcement date: 01 October 2019
  • Effective date: 22 October 2019 (21 days after RBA cut)
  • July rate cut: 19-25 basis points (0.19-0.25% points)
  • June rate cut: 25 basis points (0.25% points)
  • New lowest advertised variable rate: 3.22% p.a. (3.23% p.a. comp rate*) for OO P&I borrowers with up to 70% LVR 
  • Other info: 

Credit Union SA interest rate cut

  • Rate cut: 4-26 basis points (0.04% points)
  • Applies to: All new and existing variable rate home loans:
    • OO P&I loans (10-25 basis points)
    • OO IO loans (4-26 basis points)
    • Investment P&I (10-25 basis points)
    • Investment IO (9-24 basis points)
  • Announcement date: 14 October 2019
  • Effective date: 29 October 2019 for new customers (28 days after RBA decision)
  • July rate cut: 20 basis points (0.20% points)
  • June rate cut: 20 basis points (0.20% points)
  • New lowest advertised variable rate: 3.40% p.a. (3.42% p.a. comp rate) for OO P&I borrowers with up to 80% LVR
  • Other info: 

CUA interest rate cut

  • Rate cut: 13 basis points (0.13% points)
  • Applies to: Variable home loans (excluding CUA Rate Breaker)
  • Announcement date: 04 October 2019
  • Effective date: 29 October 2019 for new customers (28 days after RBA decision)
  • July rate cut: 17 basis points (0.17% points)
  • June rate cut: 10-25 basis points (0.10-0.25% points)
  • New lowest advertised variable rate: 3.20% p.a. (3.25% p.a. comp rate*) for OO P&I borrowers with up to 90% LVR
  • Other info: CUA Rate Breaker members will receive rate reductions in line with the relevant terms and conditions for that product.

Defence Bank interest rate cut

  • Rate cut: 15 basis points (0.15% points)
  • Applies to: All new and existing variable rate home loans
  • Announcement date: 11 October 2019
  • Effective date: 23 October 2019 for new customers (22 days after RBA decision)
  • July rate cut: 19 basis points (0.19% points)
  • June rate cut: 25 basis points (0.25% points)
  • New lowest advertised variable rate: 3.36% p.a. (3.36% p.a. comp rate*)
  • Other info: They also made changes to their fixed rate home loans with reductions of up to 0.61% p.a.

FreedomLend interest rate cut

  • Rate cut: 25 basis points (0.25% points)
  • Applies to: Variable home loans for new customers
  • Announcement date: 02 October 2019
  • Effective date: 02 October 2019 for new customers (1 day after RBA decision)
  • New lowest advertised variable rate: 2.79% p.a. (2.79% p.a. comp rate) for OO P&I borrowers with up to 80% LVR
  • Other info: Cuts for existing customers not publicly disclosed

G&C Mutual Bank interest rate cut

  • Rate cut: 15-50 basis points (0.10-0.50% points)
  • Applies to: All variable home loan products:
    • First Home Premium Package (50 basis points)
    • All other variable rate home loans (15 basis points)
  • Announcement date: 08 October 2019
  • Effective date: 08 October 2019 (new customers), 01 November (existing borrowers)
  • July rate cut: 10-20 basis points (0.10-0.20% points)
  • June rate cut: 10-40 basis points (0.10-0.40% points)
  • New lowest advertised variable rate: 3.34% p.a. (3.37% p.a comp rate*) for OO P&I borrowers with up to 80% LVR  
  • Other info: 

Gateway Bank interest rate cut

Greater Bank interest rate cut

Heritage Bank interest rate cut

Homestar Finance interest rate cut

  • Rate cut: 25 basis points (0.25% points)
  • Applies to: Standard variable home loan rates for all customers
  • Announcement date: 01 October 2019
  • Effective date: 28 October 2019 for existing customers (27 days after RBA decision), 01 October 2019 for new customers (0 days after RBA decision)
  • July rate cut: 25 basis points (0.25% points)
  • June rate cut: 25 basis points (0.25% points)
  • New lowest advertised variable rate: 2.74% p.a. (2.77% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
  • Other info: 

HSBC interest rate cut

  • Rate cut: 15-20 basis points (0.15-0.20% points)
  • Applies to: Variable rate home loans:
    • OO P&I (15 basis points)
    • OO IO (15 basis points)
    • Investor P&I (15 basis points)
    • Investor IO (20 basis points)
  • Announcement date: 03 October 2019
  • Effective date: 21 October 2019 (20 days after RBA rate cut)
  • July rate cut: 20 basis points (0.20% points)
  • June rate cut: 22 basis points (0.22% points)
  • New lowest advertised variable rate: 3.02% p.a (3.04% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR 
  • Other info:

Hume Bank interest rate cut

  • Rate cut: 10-15 basis points (0.10-0.15% points)
  • Applies to: Variable interest rates:
    • OO P&I customers on standard variable and basic variable products (15 basis points)
    • Investment, OO Interest only and Flexi Low rate customers on all variable products (10 basis points)
  • Announcement date: 10 October 2019
  • Effective date: 29 October 2019 (28 days after RBA rate cut)
  • July rate cut: 10-15 basis points (0.10-0.15% points)
  • June rate cut: 10-20 basis points (0.10-0.20% points)
  • New lowest advertised variable rate: 3.24% p.a. (3.24% p.a. comp rate*) for OO P&I borrowers
  • Other info:

Hunter United interest rate cut

IMB Bank interest rate cut

ING interest rate cut

Liberty interest rate cut

Loans.com.au interest rate cut

Macquarie Bank interest rate cut

ME Bank interest rate cut

Move Bank interest rate cut

  • Rate cut: 10-25 basis points (0.10-0.25% points)
  • Applies to: OO and Investment home loans:
    • Standard Variable Home Loan, myHome Package Loan, First Home Loan Discounted 1Y Introductory Rate (25 basis points)
    • Economy Home Loan, Straightforward Home Loan, First Home Loan (15 basis points)
    • Straightforward Investment Loan, Wealth Builder Loan, Standard Variable Investment Loan, myWealth Package Loan (10 basis points)

MyState Bank interest rate cut

NAB interest rate cut

  • Rate cut: 15-30 basis points (0.15%-0.30% points)
  • Applies to: Variable home loan rates:
    • Owner Occupied Principal and Interest Standard Variable Rate home loans reduced by 15 basis points
    • Investor Principal and Interest Standard Variable Rate home loans reduced by 15 basis points
    • Owner Occupied Interest Only Standard Variable Rate home loans reduced by 15 basis points
    • Investor Interest Only Standard Variable Rate home loans reduced by 30 basis points
  • Announcement date: 01 October 2019
  • Effective date: 11 October 2019 (10 days after RBA rate cut)
  • July rate cut: 19 basis points (0.19% points)
  • June rate cut: 25 basis points (0.25% points)
  • New lowest advertised variable rate: 3.20% p.a. (3.24% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
  • Other info: 

Newcastle Permanent interest rate cut

P&N Bank interest rate cut

People’s Choice CU interest rate cut

  • Rate cut: 14-25 basis points (0.14-0.25% points)
  • Applies to: Existing variable rate home loan customers:
    • OO P&I (14 basis points)
    • OO IO (14 basis points)
    • Investment P&I (14 basis points)
    • Investment IO (25 basis points)
  • Announcement date: 04 October 2019
  • Effective date: 18 October 2019 (17 days after RBA rate cut)
  • July rate cut: 15 basis points (0.15% points)
  • June rate cut: 25 basis points (0.25% points)
  • New lowest advertised variable rate: 3.08% p.a. (3.08% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
  • Other info:

Pepper Money interest rate cut

  • Rate cut: 15-24 basis points (0.24% points)
  • Applies to: Variable rate home loans:
    • Existing customers** (15 basis points)
    • New customers (up to 24 basis points)
  • Announcement date: 01 October 2019 (for new customers)
  • Effective date: 01 October 2019 (for new customers)
  • July rate cut: 20 basis points (0.20% points)
  • June rate cut: 25 basis points (0.25% points)
  • New lowest advertised variable rate: 3.12% (3.32% comparison rate*) for OO P&I borrowers with up to 90% LVR   
  • Other info: **excludes prime loans eligible for the current promotional rate received on or after 1 October 2019

Police Bank interest rate cut

  • Rate cut: not publicly disclosed
  • Applies to: “a range of interest rates”
  • Announcement date: 14 October 2019
  • Effective date: 14 October 2019 (13 days after RBA rate cut)
  • July rate cut: 15 basis points (0.15% points)
  • New lowest advertised variable rate: 3.18% p.a. (3.26% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
  • Other info: Members can contact their local Branch or call 131 728 8am to 6pm Monday to Friday.

Police Credit Union interest rate cut

QBank interest rate cut

Qudos Bank interest rate cut

RACQ Bank interest rate cut

RAMS Home Loans interest rate cut

Reduce Home Loans interest rate cut

Resimac interest rate cut

  • Rate cut: 15 basis points (0.15% points)
  • Applies to: Variable rates across the Resimac Prime and Specialist product ranges for new and existing customers
  • Announcement date: 08 October 2019
  • Effective date: 23 October 2019 (22 days after RBA rate cut)
  • July rate cut: 25 basis points (0.25% points)
  • June rate cut: n/a
  • New lowest advertised variable rate:  3.16% p.a. (3.20% p.a. comp rate*) for OO P&I borrowers with up to 75% LVR
  • Other info: 

SCU interest rate cut

State Custodians interest rate cut

  • Rate cut: 25 basis points (0.25% points)
  • Applies to: Most State Custodians loans, including:
    • Low Rate Home Loan
    • Breathe Easy
    • Peak Performance
    • Standard Variable
    • Specialist loans
  • Announcement date: 08 October 2019
  • Effective date: 23 October 2019 (22 days after RBA rate cut)
  • July rate cut: 25 basis points (0.25% points)
  • New lowest advertised variable rate: 2.90% p.a. (2.92% p.a. comp rate*) for new OO P&I borrowers with up to 80% LVR
  • Other info: 

St.George interest rate cut

Suncorp Bank interest rate cut

Teachers Mutual Bank interest rate cut

The Mutual Bank interest rate cut

TicToc interest rate cut

UBank interest rate cut

UniBank interest rate cut

Unity Bank interest rate cut

Virgin Money interest rate cut

  • Rate cut: 15-20 basis points (0.15-0.20% points)
  • Applies to: Variable home loan interest rates:
    • OO P&I (15 basis points)
    • OO IO (20 basis points)
    • Investor P&I (15 basis points)
    • Investor IO (20 basis points)
  • Announcement date: 04 October 2019
  • Effective date: 25 October 2019 (24 days after RBA rate cut)
  • July rate cut: 15 basis points (0.15% points)
  • June rate cut: 25 basis points (0.25% points)
  • New lowest advertised variable rate:  3.18% p.a. (3.32% p.a. comp rate*) for OO P&I borrowers with up to 60% LVR
  • Other info:

Westpac interest rate cut


Disclaimers

The entire market was not considered in selecting the above products. Rather, a cut-down portion of the market has been considered which includes retail products from at least the big four banks, the top 10 customer-owned institutions and Australia’s larger non-banks:

  • The big four banks are: ANZ, CBA, NAB and Westpac
  • The top 10 customer-owned Institutions are the ten largest mutual banks, credit unions and building societies in Australia, ranked by assets under management in November 2019. They are (in descending order): Credit Union Australia, Newcastle Permanent, Heritage Bank, Peoples’ Choice Credit Union, Teachers Mutual Bank, Greater Bank, IMB Bank, Beyond Bank, Bank Australia and P&N Bank.
  • The larger non-bank lenders are those who (in 2020) has more than $9 billion in Australian funded loans and advances. These groups are: Resimac, Pepper, Liberty and Firstmac.

Some providers' products may not be available in all states. To be considered, the product and rate must be clearly published on the product provider's web site.

In the interests of full disclosure, Savings.com.au, Performance Drive and Loans.com.au are part of the Firstmac Group. To read about how Savings.com.au manages potential conflicts of interest, along with how we get paid, please click through onto the web site links.

*The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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Dominic Beattie is the Editor of Savings.com.au. He has been publishing articles on finance, business and economics since 2015, having previously worked as a Senior Journalist at financial research firm Canstar before helping to launch Savings.com.au in November 2018. Dominic aspires to help everyday Australians discover simple and effective ways to comfortably manage their finances and save money, without sacrificing their joie de vivre.

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