Home News RBA rate hold September: Low home loan rates still on offer

RBA rate hold September: Low home loan rates still on offer

Australia’s cash rate has been held again, which means if you want a rate reduction on your home loan, you’ll have to do it yourself.

By Dominic Beattie

First published on 03 Sep 2019

RBA rate hold September: Low home loan rates still on offer

After holding steady in August, the Reserve Bank of Australia (RBA) again elected to hold the cash rate steady this month at 1.00%.

But after passing some or all of the RBA’s rate cuts in June and July, most lenders still offer competitive home loans at interest rates below 3.50%, giving many mortgage-holders the power to cut their own rates by switching to a lower-rate home loan.

Those in the market for a rate cut opportunity can check out
some of the lowest variable home loan rates available from
60+ of Australia’s most popular lenders below.

Current low rate home loans: “Best of” snapshot

To provide a quick snapshot of the market, Savings.com.au has also picked-out three products which represent among the sharpest current home loan rates on offer from:

the big four banks
the top 10 customer-owned institutions
the larger non-banks

Low variable home loan rates on offer from each lender

Last updated: 03/09/19

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

Please also note that the “lowest advertised variable rates” listed for each lender excludes introductory & honeymoon rates and package rates. Rates and product information are correct at the time of the last update to this page and should be confirmed with the relevant lender. Lowest rates will only be listed if they are currently available.

For more detail on the June and July interest rate cuts carried out by each lender, you can visit our respective June and July rate cut summary pages.

Adelaide Bank interest rate

AMP interest rate

ANZ Bank interest rate

Athena interest rate

Australian Unity interest rate

Auswide Bank interest rate

Bank Australia interest rate

BankFirst interest rate

Bank of Melbourne interest rate

Bank of Sydney interest rate

BankSA interest rate

BankVic interest rate

Bankwest interest rate

BCU interest rate

Bendigo Bank interest rate

Beyond Bank interest rate

Bank of Queensland interest rate

Citi interest rate

Commonwealth Bank interest rate

Credit Union SA interest rate

CUA interest rate

Defence Bank interest rate

G&C Mutual Bank interest rate

Gateway Bank interest rate

Greater Bank interest rate

Heritage Bank interest rate

Homestar Finance interest rate

HomeStart Finance interest rate

Horizon Credit Union interest rate

HSBC interest rate

Hume Bank interest rate

Hunter United interest rate

IMB Bank interest rate

ING interest rate

Liberty interest rate

Loans.com.au interest rate

Macquarie Bank interest rate

ME Bank interest rate

Mortgage House interest rate

MOVE Bank interest rate

MyState interest rate

NAB interest rate

Newcastle Permanent interest rate

P&N Bank interest rate

People’s Choice CU interest rate

Pepper Money interest rate

Police Bank interest rate

Police Credit Union interest rate

QBank interest rate

Qudos Bank interest rate

RACQ Bank interest rate

RAMS interest rate

Reduce Home Loans interest rate

Resimac interest rate

SCU interest rate

State Custodians interest rate

St. George Bank interest rate

Suncorp interest rate

Teachers Mutual Bank interest rate

The Mutual Bank interest rate

TicToc interest rate

UBank interest rate

Unibank interest rate

Unity Bank interest rate

Virgin Money interest rate

Westpac interest rate

Adelaide Bank interest rate

Lowest advertised variable rate: 3.29% p.a. (3.52% p.a. comp rate*) for OO P&I borrowers with LVR under 90%
July rate cut: 15-20 basis points (0.15-0.20% points)
June rate cut: 15-20 basis points (0.15-0.20% points)

AMP Bank interest rate

Lowest advertised variable rate: 3.74% p.a. (3.77% p.a. comp rate*) for OO P&I borrowers with up to 90% LVR
July rate cut: 20 basis points (0.20% points)
June rate cut: 25 basis points (0.25% points)

ANZ Bank interest rate

Lowest advertised variable rate: 4.93% p.a. (5.03% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
July rate cut: 25 basis points (0.25% points)
June rate cut: 18 basis points (0.18% points)

Athena interest rate

Lowest advertised variable rate: 3.09% p.a. (3.05% p.a. comp rate*) for OO P&I with up to 80% LVR
July rate cut: 25 basis points (0.25% points)
June rate cut: 25 basis points (0.25% points)

Australian Unity interest rate

Lowest advertised variable rate: 3.09% p.a. (3.12% p.a. comp rate*) for OO P&I customers with up to 80% LVR
July rate cut: 20 basis points (0.20% points)
June rate cut: 25 basis points (0.25% points)

Auswide Bank interest rate

Lowest advertised variable rate: 3.26% p.a. (3.66% p.a. comp rate*) for OO P&I borrowers with up to 90% LVR
July rate cut: 25 basis points (0.25% points)
June rate cut: 25 basis points for all variable P&I home loan customers (0.25% points)

Bank Australia interest rate

Lowest advertised variable rate: 3.35% p.a. (3.36% p.a. comp rate*) for OO P&I borrowers with LVR under 80%
July rate cut: 16 basis points (0.16% points)
June rate cut: 25 basis points (0.25% points)

BankFirst interest rate

Lowest advertised variable rate: 3.39% p.a. (3.44% p.a. comp rate) for owner occupiers with LVR of 80% or less
July rate cut: 13-25 basis points (0.13-0.25% points)
June rate cut: 7-30 basis points (0.07-0.30% points)

Bank of Melbourne interest rate

Lowest advertised variable rate: 3.34% p.a. (3.36% p.a. comp rate*) for OO Variable home loan P&I with LVR above 80%
July rate cut: 20-30 basis points (0.20-0.30% points)
June rate cut: 20-35 basis points (0.20-0.35% points)

Bank of Sydney interest rate

Lowest advertised variable rate: 3.11% p.a. (3.13% p.a. comp rate*) for OO P&I customers with up to 90% LVR
July Rate cut: 19 basis points (0.19% points)
June rate cut: 20-25 basis points (0.20-0.25% points)

Bank of Queensland interest rate

Lowest advertised variable rate: 3.59% p.a. (3.75% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR.
July rate cut: 15 basis points (0.15% points)
June rate cut: 25 basis points (0.25% points)

BankSA interest rate

Lowest advertised variable rate: 3.24% p.a. (3.26% p.a. comp rate*) for Basic Promo Variable P&I with 95% LVR or less
July rate cut: 20-30 basis points (0.20-0.30% points)
June rate cut: 20-35 basis points (0.20-0.35% points)

BankVic interest rate

Lowest advertised variable rate: 3.48% p.a. (3.52% p.a. comp rate*) for OO P&I borrowers
July rate cut: 15 basis points (0.15% points)
June rate cut: 25 basis points (0.25% points)

Bankwest interest rate

Lowest advertised variable rate: 3.80% p.a. (3.82% p.a. comp rate*) for OO P&I borrowers with up to 90% LVR
July rate cut: 19 basis points (0.19% points)
June rate cut: 25 basis points (0.25% points)

BCU interest rate

Lowest advertised variable rate: 3.34% p.a. (3.38% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
July rate cut: 20-25 basis points (0.20-0.25% points)
June rate cut: 25 basis points (0.25% points)

Bendigo Bank interest rate

Lowest advertised variable rate: 3.29% p.a. (3.45% p.a. comp rate*) for OO P&I borrowers with up to 95% LVR
July rate cut: 15-20 basis points (0.15-0.20% points)
June rate cut: 15-20 basis points (0.15-0.20% points)

Beyond Bank interest rate

Lowest advertised variable rate: 3.47% p.a. (3.47% p.a. comp rate*) for OO P&I customers with up to 80% LVR
July rate cut: 17 basis points (0.17% points)
June rate cut: 15-25 basis points (0.15-0.25% points)

Citi interest rate

Lowest advertised variable rate: 3.21% p.a. (3.26% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
July rate cut: 18 basis points (0.19% points)
June rate cut: 25 basis points (0.25% points)

Commonwealth Bank interest rate

Lowest advertised variable rate: 3.35% p.a. (3.36% p.a. comp rate*) for OO P&I borrowers with up to 70% LVR
July rate cut: 19-25 basis points (0.19-0.25% points)
June rate cut: 25 basis points (0.25% points)

Credit Union SA interest rate

Lowest advertised variable rate: 3.59% p.a. (3.61% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
July rate cut: 20 basis points (0.20% points)
June rate cut: 20 basis points (0.20% points)

CUA interest rate

Lowest advertised variable rate: 3.18% p.a. (3.23% p.a. comp rate) with special offer for OO P&I borrowers with up to 90% LVR
July rate cut: 17 basis points (0.17% points)
June rate cut: 10-25 basis points (0.10-0.25% points)

Defence Bank interest rate

Lowest advertised variable rate: 3.51% p.a. (3.51% p.a. comp rate*) for OO P&I customers
July rate cut: 19 basis points (0.19% points)
June rate cut: 25 basis points (0.25% points)

G&C Mutual Bank interest rate

Lowest advertised variable rate: 3.49% p.a. (3.52% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
July rate cut: 10-20 basis points (0.10-0.20% points)
June rate cut: 25 basis points (0.25% points)

Gateway Bank interest rate

Lowest advertised variable rate: 3.19% p.a. (3.22% p.a. comp rate*) for OO P&I borrowers with up to 95% LVR
July rate cut: Up to 20 basis points (0.20% points)
June rate cut: 25 basis points (0.25% points)

Greater Bank interest rate

Lowest advertised variable rate: 3.47% p.a. (3.48% p.a. comp rate*) for OO P&I customers with up to 90% LVR
July rate cut: 15-25 basis points (0.15-0.25% points)
June rate cut: 25 basis points (0.25% points)

Heritage Bank interest rate

Lowest advertised variable rate: 3.32% p.a. (3.34% p.a. comp rate*) with discount for OO P&I customers with up to 80% LVR
July rate cut: 15 basis points (0.15% points)
June rate cut: 20 basis points (0.20% points)

Homestar Finance interest rate

Lowest advertised variable rate: 3.04% p.a. (3.07% p.a. comp rate*) for OO P&I new customers with up to 80% LVR
July rate cut: 25 basis points (0.25% points)
June rate cut: 25 basis points (0.25% points)

Homestart Finance interest rate

Lowest advertised variable rate: 4.94% p.a. (5.01% p.a. comp rate*) for OO P&I borrowers with up to 95% LVR
July rate cut: 20 basis points (0.20% points)
June rate cut: 25 basis points (0.25% points)

Horizon Credit Union interest rate

Lowest advertised variable rate: 3.84% p.a. (4.01% p.a. comparison rate*) for OO P&I customers with up to 95% LVR
July rate cut: 20 basis points (0.20% points)
June rate cut: 25 basis points (0.25% points)

HSBC interest rate

Lowest advertised variable rate: 3.27% p.a. (3.28% p.a. comp rate*) for OO P&I customers with up to 80% LVR.
July rate cut: 20 basis points (0.20% points)
June rate cut: 22 basis points (0.22% points)

Hume Bank interest rate

Lowest advertised variable rate: 3.39% p.a. (3.39% p.a. comp rate*) for OO P&I borrowers with up to 95% LVR
Other info:
July rate cut: 10-15basis points (0.10-0.15% points)
June rate cut: 10-20 basis points (0.10-0.20% points)

Hunter United interest rate

Lowest advertised variable rate: 3.27% p.a. (3.37% p.a. comp rate*) for OO P&I first home buyers with up to 90% LVR
Other info:
July rate cut: 5-20 basis points (0.05-0.20% points)
June rate cut: 25 basis points on variable home loans (0.25% points)

IMB Bank interest rate

Lowest advertised variable rate: 3.31% p.a. (3.37% p.a. comp rate*) for OO P&I customers with up to 90% LVR
July rate cut: 18 basis points (0.18% points)
June rate cut: 25 basis points on residential and business lending products

ING interest rate

Lowest advertised variable rate: 3.18% p.a. (3.21% p.a. comp rate) for OO P&I customers with up to 80% LVR
July rate cut: 20 basis points (0.20% points)
June rate cut: 25 basis points (0.25% points)

Liberty interest rate

Lowest advertised variable rate: 3.50% p.a (3.57% p.a. comp rate*) for OO P&I borrowers with up to 65% LVR
July rate cut: 19 basis points (0.19% points)
June rate cut: 25 basis points for existing customers (0.25% points)

Loans.com.au interest rate

Lowest advertised variable rate: 3.03%pa (3.05%pa comp rate*) for OO P&I borrowers with up to 80% LVR
July rate cut: 25 basis points (0.25% points)
June rate cut: 20 basis points (0.20% points)

Macquarie Bank interest rate

Lowest advertised variable rate: 3.24% p.a. (3.24% p.a. comp rate*) for OO P&I borrowers with up to 70% LVR
July rate cut: 20 basis points (0.20% points)
June rate cut: 25 basis points (0.25% points)

ME Bank interest rate

Lowest advertised variable rate: 3.57% p.a. (3.59% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
July rate cut: 15 basis points (0.15% points)
June rate cut: 25 basis points (0.25% points)

Mortgage House interest rate

Lowest advertised variable rate: 2.99% p.a. (3.02% p.a. comp rate*) for OO P&I customers with up to 60% LVR
July rate cut: 15-50 basis points (0.15-0.50% points)
June rate cut: 10-70 basis points (0.10-0.70% points)

Move Bank interest rate

Lowest advertised variable rate: 3.09% p.a. (3.12% p.a. comp rate*) for new OO P&I customers with up to 80% LVR.
July rate cut: 20-30 basis points (0.20-0.30% points)
June rate cut: up to 25 basis points (0.25% points)

MyState interest rate

Lowest advertised variable rate: 3.38% p.a. (3.41% p.a. comp rate*) on Basic Variable home loan for new customers
July rate cut: 20 basis points (0.20% points)
June rate cut: 20 basis points (0.20% points)

NAB interest rate

Lowest advertised variable rate: 3.35% p.a. (3.39% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
July rate cut: 19 basis points (0.19% points)
June rate cut: 25 basis points (0.25% points)

Newcastle Permanent interest rate

Lowest advertised variable rate: 3.32% p.a. (3.36% p.a. comp rate*) Special for OO P&I borrowers with up to 90% LVR
July rate cut: 25 basis points (0.25% points)
June rate cut: 25 basis points (0.25% points)

P&N Bank interest rate

Lowest advertised variable rate: 3.63% p.a. (3.63% p.a. comp rate*) for OO P&I borrowers with LVR under 90%
July rate cut: Up to 18 basis points (0.18% points)
June rate cut: 18 basis points on most variable home loans (0.18% points)

People’s Choice CU interest rate

Lowest advertised variable rate: 4.07% p.a. (4.12% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
July rate cut: 15 basis points (0.15% points)
June rate cut: 25 basis points on standard variable home loan rates for existing members and variable business loan rates

Pepper Money interest rate

Lowest advertised variable rate: 3.36% p.a. (3.56% p.a. comp rate*) for OO P&I borrowers with up to 90% LVR
July rate cut: 20 basis points (0.20% points)
June rate cut: 25 basis points (0.25% points)

Police Bank interest rate

Lowest advertised variable rate: 3.39% p.a. (3.47% p.a. comp rate*) Special for OO borrowers with LVR up to 70%
July rate cut: 15 basis points (0.15% points)
June rate cut: 25 basis points (0.25% points)

Police Credit Union interest rate

Lowest advertised variable rate: 3.29% p.a. (3.34% p.a. comp rate*) for OO P&I borrowers with up to 60% LVR
July rate cut: 15 basis points (0.15% points)
June rate cut: 15-25 basis points (0.15-0.25% points)

QBank interest rate

Lowest advertised variable rate: 3.35% p.a. (3.38% p.a. comp rate*) Special with Discounted rate for OO P&I borrowers with up to 90% LVR
July rate cut: 20 basis points (0.20% points)
June rate cut: 18 basis points (0.18% points)

Qudos Bank interest rate

Lowest advertised variable rate: 3.29% p.a. (3.29% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
July rate cut: 15 basis points (0.15% points)
June rate cut: 25 basis points (0.25% points)

RACQ Bank interest rate

Lowest advertised variable rate: 3.19% p.a. (3.19% p.a. comp rate*) for OO P&I borrowers with up to 95% LVR
July rate cut: 25 basis points (0.25% points)
June rate cut: 25 basis points (0.25% points)

RAMS interest rate

Lowest advertised variable rate: 4.11% p.a. (4.17% p.a. comp rate*) for OO P&I borrowers with up to 95% LVR
July rate cut: 20-30 basis points (0.20-0.30% points)
June rate cut: 20-35 basis points (0.20-0.35% points)

Reduce Home Loans interest rate

Lowest advertised variable rate: 2.89% p.a. (2.91% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
July rate cut: Up to 22 basis points (0.22% points)
June rate cut: 25 basis points (0.25% points) (effective 22 July for existing customers)

Resimac interest rate

Lowest advertised variable rate: 3.40% p.a. (3.45% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
July rate cut: 25 basis points (0.25% points)
June rate cut: not publicly disclosed

SCU interest rate

Lowest advertised variable rate: 3.37% p.a. (3.42% p.a. comparison rate*) for OO P&I customers
July rate cut: 20 basis points (0.20% points)
June rate cut: 20-25 basis points (0.20-0.25% points)

State Custodians interest rate

Lowest advertised variable rate: 3.15% p.a. (3.17% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
July rate cut: 25 basis points (0.25% points)

Suncorp Bank interest rate

Lowest advertised variable rate: 3.29% p.a. (3.30% p.a. comp rate*) for OO P&I borrowers with up to 90% LVR
July rate cut: 19 basis points (0.19% points)
June rate cut: 20 basis points (0.20% points)

St. George interest rate

Lowest advertised variable rate: 3.24% p.a. (3.26% p.a. comp rate*) with Discount for OO P&I borrowers with LVR under 60%
July rate cut: 20-30 basis points (0.20-0.30% points)
June rate cut: 20-35 basis points (0.20-0.35% points)

Teachers Mutual Bank interest rate

Lowest advertised variable rate: 3.42% (3.46% comparison rate*) for OO P&I borrowers with up to 85% LVR
July rate cut: Undisclosed
June rate cut: 25 basis points (0.25% points)

The Mutual Bank interest rate

Lowest advertised variable rate: 3.38% (4.23% p.a. comp rate*) Discounted for OO P&I borrowers with up to 90% LVR
July rate cut: 10-20 basis points (0.10-0.20% points)
June rate cut: 25 basis points (0.25% points)

TicToc interest rate

Lowest advertised variable rate: 2.99% p.a. (3.00% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
July rate cut: Up to 20 basis points (0.20% points)
June rate cut: Up to 20 basis points (0.20% points)

UBank interest rate

Lowest advertised variable rate: 3.09% p.a. (3.09% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
July rate cut: 25 basis points (0.25% points)
June rate cut: 25 basis points (0.25% points)

UniBank interest rate

Lowest advertised variable rate: 3.42% p.a. (3.46% p.a. comp rate*) for OO P&I borrowers with up to 85% LVR
July rate cut: Undisclosed
June rate cut: 25 basis points (0.25% points)

Unity Bank interest rate

Lowest advertised variable rate: 3.66% p.a. (3.71% p.a. comp rate*) for OO P&I borrowers with up to 80% LVR
July rate cut: 15 basis points (0.15% points)
June rate cut: 15-18 basis points (0.15-0.18% points)

Virgin Money interest rate

Lowest advertised variable rate: 3.24% p.a. (3.38% p.a. comp rate*) for OO P&I borrowers with up to 90% LVR
July rate cut: 15 basis points (0.15% points)
June rate cut: 25 basis points (0.25% points)

Westpac interest rate

Lowest advertised variable rate: 3.58% p.a. (3.59% p.a. comp rate*) for new OO P&I customers
July rate cut: 20-30 basis points (0.20-0.30% points)
June rate cut: 20-35 basis points (0.20%-0.35% points)

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Dominic Beattie

Dominic Beattie is the Editor of Savings.com.au, Group Editor for the wider InfoChoice Group, and host of The Savings Tip Jar podcast alongside Harrison Astbury. Previously working as a finance journalist, Dominic has been publishing articles on finance, business and economics since 2015, and helped launch Savings.com.au as finance news and comparison site in 2018.

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