RBA rate hike March 2026: Is your lender passing it on?

Australia's cash rate has been lifted by 0.25%. Find out if your lender is passing the hike on with Savings.com.au's comprehensive list of home loan rate hike announcements.

Key points

The RBA lifted the official cash rate to 4.10% on 17 March 2026.
Borrowers should expect higher repayments as lenders pass on the full rate hike.
The big four banks have each confirmed 25 basis point increases to their variable home loan rates.
Check back regularly for the latest updates as more lenders reveal their rate changes.

The Reserve Bank of Australia (RBA) has hiked the cash rate by 25 basis points this month, taking it up from 3.85% to 4.10%

Savings.com.au will provide rolling updates below of each lenders' announcements regarding passing on this March rate hike to variable-rate home loans.

Which banks and lenders will hike variable interest rates?

All hikes below refer to lenders’ responses to the RBA’s rate hike on 17 March 2026

Key notes:
P&I = Principal and Interest, IO = Interest Only, OO =Owner-occupiers
Basis points explained: 1 basis point = 0.01%

Keep updated.

Subscribe for rate change alerts.

Select a Lender:

By subscribing you agree to our privacy policy

Adelaide Bank interest rate hike (pending)

AMP Bank interest rate hike

ANZ interest rate hike

Athena interest rate hike (pending)

Australian Military Bank interest rate hike

Australian Mutual Bank interest rate hike

Auswide Bank interest rate hike

Bank Australia interest rate hike

Bank First interest rate hike

Bank of Melbourne interest rate hike

Bank of Queensland interest rate hike

Bank of Sydney interest rate hike

Bank of Us interest rate hike

Bank First interest rate hike (pending)

BankSA interest rate hike

BankVic interest rate hike

Bankwest interest rate hike

BCU Bank interest rate hike

Bendigo Bank interest rate hike

Beyond Bank interest rate hike

Commonwealth Bank interest rate hike

Community First Bank interest rate hike

Credit Union SA interest rate hike

Defence Bank interest rate hike (pending)

Firstmac interest rate hike (pending)

G&C Mutual Bank interest rate hike (pending)

Gateway Bank interest rate hike (pending)

Geelong Bank interest rate hike

Goulburn Murray Credit Union interest rate hike

Great Southern Bank interest rate hike

Greater Bank interest rate hike

Heritage Bank interest rate hike

Homeloans.com.au interest rate hike

Homestar Finance interest rate hike

Horizon Bank interest rate hike (pending)

HSBC Bank interest rate hike

Hume Bank interest rate hike (pending)

IMB interest rate hike

ING interest rate hike

Loans.com.au interest rate hike (pending)

Macquarie Bank interest rate hike

ME Bank interest rate hike

Mortgage House interest rate hike (pending)

MOVE Bank interest rate hike (pending)

MyState Bank interest rate hike

NAB interest rate hike

Newcastle Permanent interest rate hike

OneTwo Home Loans interest rate hike (pending)

P&N Bank interest rate hike

People's Choice interest rate hike

Pepper Money interest rate hike

Police Credit Union interest rate hike (pending)

QBank interest rate hike

Qudos Bank interest rate hike

RACQ Bank interest rate hike

RAMS interest rate hike (pending)

Reduce Home Loans interest rate hike (pending)

Regional Australia Bank interest rate hike

St George interest rate hike

State Custodians interest rate hike (pending)

Summerland Bank interest rate hike (pending)

Suncorp Bank interest rate hike

Teachers Mutual Bank interest rate hike

The Mutual Bank interest rate hike

Tiimely Home interest rate hike (pending)

UBank interest rate hike

UniBank interest rate hike

Unloan interest rate hike

Up interest rate hike (pending)

Virgin Money interest rate hike

Well Home Loans interest rate hike (pending)

Westpac interest rate hike

Wlth interest rate hike (pending)

Yard interest rate hike (pending)

Yellow Brick Road interest rate hike (pending)

AMP Bank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date: 23 March
Other info:

AMP Bank home loan rates

Arab Bank Australia interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Effective date: 31 March
Other info:

Australian Military Bank interest rate hike

Rate hike: 25 basis points
Applies to: Existing variable-rate home loans
Announcement date: 19 March
Effective date: 1 April
Other info:

Auswide Bank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 19 March
Effective date: 26 March
Other info:

ANZ interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 17 March
Effective date: 27 March
Other info:

ANZ home loan rates

Bank Australia interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date: 1 April
Other info:

Bank First interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 19 March
Effective date: 2 April
Other info:

Bank of Melbourne interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 17 March
Effective date: 31 March
Other info:

Bank of Queensland interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date: 20 March
Other info:

Bank of Queensland home loan rates

Bank of Sydney interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date:19 March
Effective date: 14 April
Other info:

Bank of Us interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 19 March
Effective date: 2 April
Other info:

BankSA interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 17 March
Effective date: 31 March
Other info:

BankVic interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 17 March
Effective date: 31 March
Other info:

Bankwest interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 17 March
Effective date: 27 March
Other info:

Bankwest home loan rates

BCU Bank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 17 March
Effective date: 30 March
Other info:

Bendigo Bank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date: 25 March
Other info:

Bendigo Bank home loan rates

Commonwealth Bank interest rate hike

Rate hike: 25 basis points
Applies to: Home loan variable interest rates
Announcement date: 17 March
Effective date: 27 March
Other info:

C ommonwealth Bank home loan rates

Community First Bank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date:
Effective date:
Other info:

Credit Union SA interest rate hike

Rate hike : 25 basis points
Applies to: Variable-rate home loans
Effective date: 1 April
Other info:

Geelong Bank interest rate hike

Rate hike : 25 basis points
Applies to: Variable-rate home loans
Effective date: 30 March
Other info:

Goulburn Murray Credit Union interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Effective date: 10 April
Other info:

Great Southern Bank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 19 March
Effective date: 27 March
Other info:

Greater Bank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date: 2 April
Other info:

Heritage Bank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date: 27 March
Other info:

Homeloans.com.au interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date: 27 March
Other info:

Homestar Finance interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date:18 March
Other info:

HSBC interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date: 30 March
Other info:

HSBC home loan rates

ING Bank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date: 27 March
Other info:

ING Bank home loan rates

Macquarie Bank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 17 March
Effective date: 2 April
Other info:

Macquarie home loan rates

ME Bank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date: 21 March
Other info:

ME Bank home loan rates

MyState Bank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date: 26 March
Other info:

NAB interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 17 March
Effective date: 27 March
Other info:

NAB home loan rates

Newcastle Permanent interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date:18 March
Effective date: 27 March
Other info:

Newcastle Permanent home loan rates

Northern Inland Credit Union interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Effective date: 1 April
Other info:

P&N Bank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 20 March
Effective date: 30 March
Other info:

P&N Bank home loan rates

Pepper Money interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Effective date: 27 March
Other info:

People's Choice interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date: 27 March
Other info:

QBank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Effective date: 30 March
Other info:

Qudos Bank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date: 1 April
Other info:

RACQ Bank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date: 31 March
Other info:

Regional Australia Bank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date: 7 April
Other info:

St George interest rate hike

Rate hike: 25 bps
Applies to: Variable rate home loans
Announcement date: 17 March
Effective date: 31 March
Other info:

St George home loan rates

Suncorp Bank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date: 27 March
Other info:

Suncorp Bank home loan rates

Teachers Mutual Bank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date: 26 March
Other info:

The Mutual Bank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date: 9 April
Other info:

UBank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date:18 March
Effective date: 26 March
Other info:

UniBank interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date: 26 March
Other info:

Unloan interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Announcement date: 18 March
Effective date: 27 March
Other info:

Unloan home loan rates

Virgin Money interest rate hike

Rate hike: 25 basis points
Applies to: Variable-rate home loans
Effective date: 21 March
Other info:

Westpac interest rate hike

Rate hike: 25 basis points
Applies to: Variable home loan interest rates
Announcement date: 17 March
Effective date: 31 March
Other info:

Westpac home loan rates

See more Savings.com.au in Google

Get email updates

Helpful Links

Home Loan Interest Rates Investment Home Loans Variable-Rate Home Loans Fixed-Rate Home Loans Mortgage repayment calculator How much can I borrow calculator?First Home Buyer Loans

Free Property Report

Comprehensive property information at your fingertips.

Free Property Report

Expert interviews

Hear from the experts shaping Australia's financial future.

Shane Oliver

Chief Economist, AMP

Anna Bligh

CEO, Australian Banking Association (ABA)

Warren Hogan

Economist, Judo Bank

Important information

Savings.com.au provides general information and comparison services to help you make informed financial decisions. We do not cover every product or provider in the market. Our service is free to you because we receive compensation from product providers for sponsored placements, advertisements, and referrals. Importantly, these commercial relationships do not influence our editorial integrity.

For more detailed information, please refer to our How We Get Paid, Managing Conflicts of Interest, and Editorial Guidelines pages.

Editorial Integrity

At Savings.com.au, we are passionate about helping Australians make informed financial decisions. Our dedicated editorial team works tirelessly to provide you with accurate, relevant, and unbiased information. We pride ourselves on maintaining a strict separation between our editorial and commercial teams, ensuring that the content you read is based purely on merit and not influenced by commercial interests.

Learn more about our commitment to editorial integrity in our Editorial Guidelines.

Advertiser Disclosure

Our service is free for you, thanks to support from our partners through sponsored placements, ads, and referrals. We earn compensation by promoting products, referring you, or when you click on a product link. You might also see ads in emails, sponsored content, or directly on our site.

For more details, see How We Get Paid.

Product Coverage and Sort Order

We strive to cover a broad range of products, providers, and services; however, we do not cover the entire market. Products in our comparison tables are sorted based on various factors, including product features, interest rates, fees, popularity, and commercial arrangements.

Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes.

Additionally, certain products may present forms designed to refer you to associated companies (e.g. our mortgage broker partner) who may be able to assist you with products from the brand you selected. We may receive a fee for this referral.

You can customise your search using our sorting and filtering tools to prioritise what matters most to you, although we do not compare all features and some results associated with commercial arrangements may still appear.

For more details, visit How We Get Paid and Managing Conflicts of Interest.

Comparison Rate Warning and Base Criteria

For home loans, the base criteria include a $500,000 loan amount over 30 years. For car loans, the base criteria include a $30,000 loan over 5 years. For personal loans, the base criteria include a $20,000 loan over 5 years. These rates are only examples and may not include all fees and charges.

*For home loans, the comparison rate is based on a $150,000 loan over 25 years. *For car and personal loans, the comparison rate is based on a $30,000 loan over 5 years. Warning: these comparison rates are true only for the examples shown and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Monthly Repayment Figures

Monthly repayment figures are estimates that exclude fees. These estimates are based on the advertised rates for the specified term and loan amount. Actual repayments will depend on your circumstances and interest rate changes.

Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you.

Related Brands

Savings.com.au is proudly part of the InfoChoice Group, which includes InfoChoice.com.au, YourMortgage.com.au, and YourInvestmentPropertyMag.com.au. The InfoChoice Group is associated with the Firstmac Group.

We may include products and services from loans.com.au, CarLoans.com.au, and OnlineAuto.com.au, all associated with the Firstmac Group. Importantly, these brands are treated like any other commercial partner.

Learn more about how we manage conflicts of interest.

General Advice Disclosure

The information provided by Savings.com.au is general in nature and does not take into account your personal objectives, financial situation, or needs. We recommend seeking independent financial advice before making any financial decisions. Before acquiring any financial product, obtain and read the relevant Product Disclosure Statement (PDS), Target Market Determination (TMD), and any other offer documents.

Rates and product information should be confirmed with the relevant credit provider. For more information, read Savings.com.au’s Financial Services and Credit Guide (FSCG).