The Reserve Bank of Australia (RBA) has increased the cash rate by 0.25 percentage points to 4.60% at its September 2026 meeting, marking the fourth rate rise this year.
For borrowers, a higher cash rate may lead to higher home loan rates and repayments if lenders choose to pass on some or all of the increase.
The RBA's decision is only one part of the picture. Lenders decide whether, when and how much of a cash rate change to pass on and can adjust their home loan rates, policies and offers independently.
We'll continue updating this tracker as lenders announce their responses to the RBA's decision, so you can stay informed about what the latest changes could mean for your home loan and property plans.
At Aussie, our brokers compare over 25 lenders+** and more than 4,000 home loan options to help you understand what's available in today's market and how different rates could affect your borrowing power, repayments and refinancing opportunities.
What are lenders doing after the September 2026 hike?
Last updated: October 6th 2026, 1:39 PM AEST
The RBA increased the cash rate by 0.25 percentage points to 4.60% in September.
If lenders pass on some or all of the increase, borrowers with variable-rate home loans may see their interest rates and repayments rise. However, lenders set their own rates and may choose when and how much of the RBA increase to pass on.
Lenders may also continue to adjust variable and fixed rates, offers and lending policies independently of the RBA as they respond to funding costs, competition and broader market conditions.
We'll update this page as our lender panel confirm any changes following the September decision.
Lender | Response to September hike | Updated | Effective |
|---|---|---|---|
Commonwealth Bank | + 0.25% | 30 September 2026 | 9 October 2026 |
NAB | + 0.25% | 30 September 2026 | 9 October 2026 |
ANZ | + 0.25% | 30 September 2026 | 9 October 2026 |
Westpac | + 0.25% | 30 September 2026 | 9 October 2026 |
AMP | + 0.25% | 1 October 2026 | 5 October 2026 |
Aussie Bridge | No changes announced | 29 September 2026 | |
Aussie Boost | No changes announced | 29 September 2026 | |
Aussie Activate | + 0.25% | 6 October 2026 | 9 October 2026 |
Aussie Elevate | + 0.25% | 6 October 2026 | 9 October 2026 |
Aussie Select | + 0.25% | 1 October 2026 | 2 October 2026 |
Bank of Melbourne | + 0.25% | 30 September 2026 | 9 October 2026 |
BankSA | + 0.25% | 30 September 2026 | 9 October 2026 |
Bankwest | + 0.25% | 30 September 2026 | 9 October 2026 |
BOQ | + 0.25% | 30 September 2026 | 2 October 2026 |
Great Southern | + 0.25% | 1 October 2026 | 7 October 2026 |
ING | + 0.25% | 1 October 2026 | 9 October 2026 |
Firstmac | + 0.25% | 6 October 2026 | 7 October 2026 |
Liberty | No changes announced | 29 September 2026 | |
Macquarie | + 0.25% | 29 September 2026 | 15 October 2026 |
MeBank | + 0.25% | 30 September 2026 | 3 October 2026 |
Newcastle Permanent | + 0.25% | 1 October 2026 | 9 October 2026 |
St George | + 0.25% | 30 September 2026 | 9 October 2026 |
Suncorp | + 0.25% | 1 October 2026 | 9 October 2026 |
Historical rate changes
Keeping track of interest rate changes can be tricky. That's why we've created the list below to help you understand what changes have been made historically.
Date | RBA Cash Rate (%) | Change |
|---|---|---|
29-Sep-2026 | 4.60 | ↑ +0.25 |
4-May-2026 | 4.35 | ↑ +0.25 |
17-Mar-2026 | 4.10 | ↑ +0.25 |
3-Feb-2026 | 3.85 | ↑ +0.25 |
13-Aug-2025 | 3.60 | ↓ -0.25 |
21-May-2025 | 3.85 | ↓ -0.25 |
18-Feb-2025 | 4.10 | ↓ -0.25 |
8-Nov-2023 | 4.35 | ↑ +0.25 |
7-Jun-2023 | 4.10 | ↑ +0.25 |
3-May-2023 | 3.85 | ↑ +0.25 |
8-Mar-2023 | 3.60 | ↑ +0.25 |
8-Feb-2023 | 3.35 | ↑ +0.25 |
7-Dec-2022 | 3.10 | ↑ +0.25 |
2-Nov-2022 | 2.85 | ↑ +0.25 |
5-Oct-2022 | 2.60 | ↑ +0.25 |
7-Sep-2022 | 2.35 | ↑ +0.50 |
3-Aug-2022 | 1.85 | ↑ +0.50 |
6-Jul-2022 | 1.35 | ↑ +0.50 |
8-Jun-2022 | 0.85 | ↑ +0.50 |
4-May-2022 | 0.35 | ↑ +0.25 |
4-Nov-2020 | 0.10 | ↓ -0.15 |
20-Mar-2020 | 0.25 | ↓ -0.25 |
4-Mar-2020 | 0.50 | ↓ -0.25 |
2-Oct-2019 | 0.75 | ↓ -0.25 |
3-Jul-2019 | 1.00 | ↓ -0.25 |
5-Jun-2019 | 1.25 | ↓ -0.25 |
3-Aug-2016 | 1.50 | ↓ -0.25 |
4-May-2016 | 1.75 | ↓ -0.25 |
6-May-2015 | 2.00 | ↓ -0.25 |
4-Feb-2015 | 2.25 | ↓ -0.25 |
7-Aug-2013 | 2.50 | ↓ -0.25 |
8-May-2013 | 2.75 | ↓ -0.25 |
5-Dec-2012 | 3.00 | ↓ -0.25 |
3-Oct-2012 | 3.25 | ↓ -0.25 |
6-Jun-2012 | 3.50 | ↓ -0.25 |
2-May-2012 | 3.75 | ↓ -0.50 |
7-Dec-2011 | 4.25 | ↓ -0.25 |
2-Nov-2011 | 4.50 | ↓ -0.25 |
3-Nov-2010 | 4.75 | ↑ +0.25 |
5-May-2010 | 4.50 | ↑ +0.25 |
7-Apr-2010 | 4.25 | ↑ +0.25 |
3-Mar-2010 | 4.00 | ↑ +0.25 |
2-Dec-2009 | 3.75 | ↑ +0.25 |
4-Nov-2009 | 3.50 | ↑ +0.25 |
7-Oct-2009 | 3.25 | ↑ +0.25 |
8-Apr-2009 | 3.00 | ↓ -0.25 |
4-Feb-2009 | 3.25 | ↓ -1.00 |
3-Dec-2008 | 4.25 | ↓ -1.00 |
5-Nov-2008 | 5.25 | ↓ -0.75 |
8-Oct-2008 | 6.00 | ↓ -1.00 |
3-Sep-2008 | 7.00 | ↓ -0.25 |
5-Mar-2008 | 7.25 | ↑ +0.25 |
6-Feb-2008 | 7.00 | ↑ +0.25 |
7-Nov-2007 | 6.75 | ↑ +0.25 |
8-Aug-2007 | 6.50 | ↑ +0.25 |
8-Nov-2006 | 6.25 | ↑ +0.25 |
2-Aug-2006 | 6.00 | ↑ +0.25 |
3-May-2006 | 5.75 | ↑ +0.25 |
2-Mar-2005 | 5.50 | ↑ +0.25 |
3-Dec-2003 | 5.25 | ↑ +0.25 |
5-Nov-2003 | 5.00 | ↑ +0.25 |
5-Jun-2002 | 4.75 | ↑ +0.25 |
8-May-2002 | 4.50 | ↑ +0.25 |
5-Dec-2001 | 4.25 | ↓ -0.25 |
3-Oct-2001 | 4.50 | ↓ -0.25 |
5-Sep-2001 | 4.75 | ↓ -0.25 |
4-Apr-2001 | 5.00 | ↓ -0.50 |
7-Mar-2001 | 5.50 | ↓ -0.25 |
7-Feb-2001 | 5.75 | ↓ -0.50 |
2-Aug-2000 | 6.25 | ↑ +0.25 |
3-May-2000 | 6.00 | ↑ +0.25 |
5-Apr-2000 | 5.75 | ↑ +0.25 |
2-Feb-2000 | 5.50 | ↑ +0.50 |
3-Nov-1999 | 5.00 | ↑ +0.25 |
2-Dec-1998 | 4.75 | ↓ -0.25 |
30-Jul-1997 | 5.00 | ↓ -0.50 |
23-May-1997 | 5.50 | ↓ -0.50 |
11-Dec-1996 | 6.00 | ↓ -0.50 |
6-Nov-1996 | 6.50 | ↓ -0.50 |
31-Jul-1996 | 7.00 | ↓ -0.50 |
14-Dec-1994 | 7.50 | ↑ +1.00 |
24-Oct-1994 | 6.50 | ↑ +1.00 |
17-Aug-1994 | 5.50 | ↑ +0.75 |
30-Jul-1993 | 4.75 | ↓ -0.50 |
23-Mar-1993 | 5.25 | ↓ -0.50 |
8-Jul-1992 | 5.75 | ↓ -0.75 |
6-May-1992 | 6.50 | ↓ -1.00 |
8-Jan-1992 | 7.50 | ↓ -1.00 |
6-Nov-1991 | 8.50 | ↓ -1.00 |
3-Sep-1991 | 9.50 | ↓ -1.00 |
16-May-1991 | 10.50 | ↓ -1.00 |
4-Apr-1991 | 11.50 | ↓ -0.50 |
18-Dec-1990 | 12.00 | ↓ -1.00 |
15-Oct-1990 | 13.00 | ↓ -1.00 |
2-Aug-1990 | 14.00 | — |
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