The Reserve Bank of Australia (RBA) has held the cash rate at 4.35% at its June 2026 meeting.
For borrowers, a rate hold may provide greater certainty in the short term.
However, the RBA's decision is only one part of the picture. Lenders may still adjust home loan rates, policies and offers, which can affect what's available to borrowers.
We'll continue updating this tracker as lenders announce changes, so you can stay informed about what the latest developments may 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 June 2026 hold?
Last updated: June 16th 2026, 3:35PM AEST
The RBA left the cash rate unchanged at 4.35% in June, meaning lenders do not need to make changes to variable home loan rates in response to today's decision.
However, a hold does not necessarily mean lenders will leave rates unchanged.
Some lenders may continue to adjust rates, offers and lending policies independently of the RBA as they compete for new customers and respond to market conditions.
We'll update this page throughout the day as lenders confirm their positions following the June decision.
Lender | Response to June hold | Updated |
|---|---|---|
Commonwealth Bank | No changes announced | 16 June 2026 |
NAB | No changes announced | 16 June 2026 |
ANZ | No changes announced | 16 June 2026 |
Westpac | No changes announced | 16 June 2026 |
AMP | No changes announced | 16 June 2026 |
Aussie Bridge | No changes announced | 16 June 2026 |
Aussie Boost | No changes announced | 16 June 2026 |
Aussie Activate | No changes announced | 16 June 2026 |
Aussie Elevate | No changes announced | 16 June 2026 |
Aussie Select | No changes announced | 16 June 2026 |
Bank of Melbourne | No changes announced | 16 June 2026 |
BankSA | No changes announced | 16 June 2026 |
Bankwest | No changes announced | 16 June 2026 |
BOQ | No changes announced | 16 June 2026 |
Great Southern | No changes announced | 16 June 2026 |
Heritage | No changes announced | 16 June 2026 |
HSBC | No changes announced | 16 June 2026 |
ING | No changes announced | 16 June 2026 |
Firstmac | No changes announced | 16 June 2026 |
Liberty | No changes announced | 16 June 2026 |
Macquarie | No changes announced | 16 June 2026 |
MeBank | No changes announced | 16 June 2026 |
Newcastle Permanent | No changes announced | 16 June 2026 |
St George | No changes announced | 16 June 2026 |
Suncorp | No changes announced | 16 June 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 |
|---|---|---|
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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