The Reserve Bank of Australia (RBA) has held the cash rate at 4.35% at its August 2026 meeting.
For borrowers, the decision keeps the cash rate unchanged for now, but that doesn't necessarily mean home loan rates will stay the same.
The RBA's decision is only one part of the picture. Lenders may still adjust home loan rates, policies and offers independently, 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 August 2026 hold?
Last updated: August 11th 2026, 2:55PM AEST
The RBA left the cash rate unchanged at 4.35% in August.
While there is no cash rate change for lenders to respond to, a hold doesn't necessarily mean home loan rates will remain unchanged.
Lenders may 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 lenders confirm any changes following the August decision.
Lender | Response to June hold | Updated |
|---|---|---|
Commonwealth Bank | No changes announced | 11 August 2026 |
NAB | No changes announced | 11 August 2026 |
ANZ | No changes announced | 11 August 2026 |
Westpac | No changes announced | 11 August 2026 |
AMP | No changes announced | 11 August 2026 |
Aussie Bridge | No changes announced | 11 August 2026 |
Aussie Boost | No changes announced | 11 August 2026 |
Aussie Activate | No changes announced | 11 August 2026 |
Aussie Elevate | No changes announced | 11 August 2026 |
Aussie Select | No changes announced | 11 August 2026 |
Bank of Melbourne | No changes announced | 11 August 2026 |
BankSA | No changes announced | 11 August 2026 |
Bankwest | No changes announced | 11 August 2026 |
BOQ | No changes announced | 11 August 2026 |
Great Southern | No changes announced | 11 August 2026 |
Heritage | No changes announced | 11 August 2026 |
ING | No changes announced | 11 August 2026 |
Firstmac | No changes announced | 11 August 2026 |
Liberty | No changes announced | 11 August 2026 |
Macquarie | No changes announced | 11 August 2026 |
MeBank | No changes announced | 11 August 2026 |
Newcastle Permanent | No changes announced | 11 August 2026 |
St George | No changes announced | 11 August 2026 |
Suncorp | No changes announced | 11 August 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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