Key points
  • The RBA lifted the official cash rate to 4.60% on 29 September 2026. 
  • Borrowers should expect higher repayments in the coming months as lenders pass on the full rate hike.
  • 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 4.35% to 4.60%.  

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

Which banks and lenders are hiking variable interest rates?

All hikes below refer to lenders’ responses to the RBA’s rate hike on 29 September 2026

Key notes:

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

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AMP interest rate hike (pending)

ANZ interest rate hike (pending)

Athena interest rate hike (pending)

Australian Military Bank interest rate hike (pending)

Australian Mutual Bank interest rate hike (pending)

Auswide Bank interest rate hike (pending)

Bank Australia interest rate hike (pending)

Bank First interest rate hike (pending)

Bank of Melbourne interest rate hike (pending)

Bank of Queensland (BOQ) interest rate hike (pending)

Bank of Sydney interest rate hike (pending)

Bank of Us interest rate hike (pending)

Bank First interest rate hike (pending)

BankSA interest rate hike (pending)

BankVic interest rate hike (pending)

Bankwest interest rate hike (pending)

BCU interest rate hike (pending)

Bendigo Bank interest rate hike (pending)

Beyond Bank interest rate hike (pending)

Commonwealth Bank interest rate hike (pending)

Credit Union SA interest rate hike (pending)

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)

Goulburn Murray Credit Union interest rate hike (pending)

Great Southern Bank interest rate hike (pending)

Greater Bank interest rate hike (pending)

Heritage Bank interest rate hike (pending)

Homeloans.com.au interest rate hike (pending)

Homestar Finance interest rate hike (pending)

Horizon Bank interest rate hike (pending)

HSBC interest rate hike (pending)

Hume Bank interest rate hike (pending)

IMB Bank interest rate hike (pending)

ING interest rate hike (pending)

Loans.com.au interest rate hike (pending)

Macquarie Bank interest rate hike (pending)

ME Bank interest rate hike (pending)

Mortgage House interest rate hike (pending)

MOVE Bank interest rate hike (pending)

MyState Bank interest rate hike (pending)

NAB interest rate hike (pending)

Newcastle Permanent interest rate hike (pending)

OneTwo Home Loans interest rate hike (pending)

P&N Bank interest rate hike (pending)

People First Bank interest rate hike (pending)

Pepper Money interest rate hike (pending)

Police Credit Union interest rate hike (pending)

QBank interest rate hike (pending)

Qudos Bank interest rate hike (pending)

RACQ Bank interest rate hike (pending)

Reduce Home Loans interest rate hike (pending)

Resimac interest rate hike (pending)

St George interest rate hike (pending)

State Custodians interest rate hike (pending)

Summerland Bank interest rate hike (pending)

Suncorp Bank interest rate hike (pending)

Teachers Mutual Bank interest rate hike (pending)

The Mutual Bank interest rate hike (pending)

Tiimely Home interest rate hike (pending)

Ubank interest rate hike (pending)

UniBank interest rate hike (pending)

Unloan interest rate hike (pending)

Up interest rate hike (pending)

Virgin Money interest rate hike (pending)

Well Home Loans interest rate hike (pending)

Westpac interest rate hike (pending) 

Wlth interest rate hike (pending)

Yard interest rate hike (pending)

Yellow Brick Road interest rate hike (pending)

ANZ interest rate hike

  • September 2026 rate hike: Pending

  • Applies to:

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Commonwealth Bank interest rate hike

  • September 2026 rate hike: Pending

  • Applies to:

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  • Announcement date:

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NAB interest rate hike

  • September 2026 rate hike: Pending

  • Applies to:

  • Effective date:

  • Announcement date:

  • Other info:

Westpac interest rate hike

  • September 2026 rate hike: Pending

  • Applies to:

  • Effective date:

  • Announcement date:

  • Other info: