Which lenders have changed their home loan rates? September 2026
In the September 2026 round, 36 of the 38 lenders we track recorded a change to their home loan rates, each of 0.25%. The median effective date was 9 October 2026. Bank of QLD moved first, effective 2 October 2026, 7 days ahead of the median. We have not recorded a change in this round for 2 lenders: AFG Home Loans - Bright and Suncorp. Last updated 14 October 2026.
What is a home loan reference rate?
Most lenders price their variable rate home loans using a reference rate. Individual loans are then priced off the reference rate by offering customers a discount. When a lender changes a reference rate, it is required under the National Credit Code to notify affected customers of the change to their interest rate.
Changes to home loan reference rates are typically made when the Reserve Bank of Australia ('RBA') changes the official cash rate, although lenders can and sometimes do change their reference rates independently of the RBA. This page is designed to give you an overview of current and historical rate changes.
Rate changes are grouped by lender and listed alphabetically, showing the last 3 changes we have recorded for each lender, most recent first within each lender. Dates shown are the date the change takes effect.
Has your lender put your rate up?
When a lender lifts its reference rate, the discount on your loan does not move with it — so your rate goes up and the deal you originally negotiated quietly gets worse. We will tell you what your lender has done, what the rest of our panel of 40+ lenders has done, and whether your current rate still stacks up. No cost, and no obligation to switch.
Rate changes by lender
AFG Home Loans - Alpha rate changes
AFG Home Loans - Alpha increased its home loan rates by 0.25% effective 9 October 2026 (September 2026 round).
+0.25% effective 9 October 2026
+0.25% effective 15 May 2026
+0.25% effective 27 March 2026
See current AFG Home Loans - Alpha rates and comparison rates
AFG Home Loans - Bright rate changes
AFG Home Loans - Bright increased its home loan rates by 0.25% effective 10 February 2026 (February 2026 round), 3 days before the median for that round.
+0.25% effective 10 February 2026
See current AFG Home Loans - Bright rates and comparison rates
AFG Home Loans - Retro rate changes
AFG Home Loans - Retro increased its home loan rates by 0.25% effective 8 October 2026 (September 2026 round), 1 day before the median for that round.
+0.25% effective 8 October 2026
+0.25% effective 14 May 2026
+0.25% effective 30 March 2026
See current AFG Home Loans - Retro rates and comparison rates
ANZ rate changes
ANZ increased its home loan rates by 0.25% effective 9 October 2026 (September 2026 round).
+0.25% effective 9 October 2026
+0.25% effective 15 May 2026
+0.25% effective 27 March 2026
Auswide Bank rate changes
Auswide Bank increased its home loan rates by 0.25% effective 8 October 2026 (September 2026 round), 1 day before the median for that round.
+0.25% effective 8 October 2026
Bank Australia rate changes
Bank Australia increased its home loan rates by 0.25% effective 15 October 2026 (September 2026 round), 6 days after the median for that round.
+0.25% effective 15 October 2026
+0.25% effective 20 May 2026
+0.25% effective 1 April 2026
Bank of China rate changes
Bank of China increased its home loan rates by 0.25% effective 8 October 2026 (September 2026 round), 1 day before the median for that round.
+0.25% effective 8 October 2026
Bank of Melbourne rate changes
Bank of Melbourne increased its home loan rates by 0.25% effective 9 October 2026 (September 2026 round).
+0.25% effective 9 October 2026
Bank of QLD rate changes
Bank of QLD increased its home loan rates by 0.25% effective 2 October 2026 (September 2026 round), 7 days before the median for that round.
+0.25% effective 2 October 2026
+0.25% effective 6 February 2026
Bank of Sydney rate changes
Bank of Sydney increased its home loan rates by 0.25% effective 15 October 2026 (September 2026 round), 6 days after the median for that round.
+0.25% effective 15 October 2026
+0.25% effective 14 April 2026
+0.25% effective 17 February 2026
Bank SA rate changes
Bank SA increased its home loan rates by 0.25% effective 9 October 2026 (September 2026 round).
+0.25% effective 9 October 2026
+0.25% effective 15 May 2026
+0.25% effective 31 March 2026
Bankwest rate changes
Bankwest increased its home loan rates by 0.25% effective 9 October 2026 (September 2026 round).
+0.25% effective 9 October 2026
+0.25% effective 15 May 2026
+0.25% effective 27 March 2026
Beyond Bank rate changes
Beyond Bank increased its home loan rates by 0.25% effective 13 October 2026 (September 2026 round), 4 days after the median for that round.
+0.25% effective 13 October 2026
Commonwealth Bank rate changes
Commonwealth Bank increased its home loan rates by 0.25% effective 9 October 2026 (September 2026 round).
+0.25% effective 9 October 2026
+0.25% effective 15 May 2026
+0.25% effective 27 March 2026
Firefighters Mutual Bank rate changes
Firefighters Mutual Bank increased its home loan rates by 0.25% effective 8 October 2026 (September 2026 round), 1 day before the median for that round.
+0.25% effective 8 October 2026
See current Firefighters Mutual Bank rates and comparison rates
Great Southern Bank rate changes
Great Southern Bank increased its home loan rates by 0.25% effective 7 October 2026 (September 2026 round), 2 days before the median for that round.
+0.25% effective 7 October 2026
+0.25% effective 15 May 2026
+0.25% effective 27 March 2026
Health Professionals Bank rate changes
Health Professionals Bank increased its home loan rates by 0.25% effective 8 October 2026 (September 2026 round), 1 day before the median for that round.
+0.25% effective 8 October 2026
+0.25% effective 1 June 2026
+0.25% effective 26 March 2026
See current Health Professionals Bank rates and comparison rates
HSBC rate changes
HSBC increased its home loan rates by 0.25% effective 12 October 2026 (September 2026 round), 3 days after the median for that round.
+0.25% effective 12 October 2026
+0.25% effective 18 May 2026
+0.25% effective 30 March 2026
ING rate changes
ING increased its home loan rates by 0.25% effective 9 October 2026 (September 2026 round).
+0.25% effective 9 October 2026
+0.25% effective 15 May 2026
+0.25% effective 27 March 2026
Liberty Financial rate changes
Liberty Financial increased its home loan rates by 0.25% effective 9 October 2026 (September 2026 round).
+0.25% effective 9 October 2026
Macquarie Bank rate changes
Macquarie Bank increased its home loan rates by 0.25% effective 15 October 2026 (September 2026 round), 6 days after the median for that round.
+0.25% effective 15 October 2026
+0.25% effective 22 May 2026
+0.25% effective 2 April 2026
ME rate changes
ME increased its home loan rates by 0.25% effective 3 October 2026 (September 2026 round), 6 days before the median for that round.
+0.25% effective 3 October 2026
MyState rate changes
MyState increased its home loan rates by 0.25% effective 8 October 2026 (September 2026 round), 1 day before the median for that round.
+0.25% effective 8 October 2026
NAB rate changes
NAB increased its home loan rates by 0.25% effective 8 October 2026 (September 2026 round), 1 day before the median for that round.
+0.25% effective 8 October 2026
Newcastle Permanent rate changes
Newcastle Permanent increased its home loan rates by 0.25% effective 9 October 2026 (September 2026 round).
+0.25% effective 9 October 2026
+0.25% effective 15 May 2026
+0.25% effective 27 March 2026
P&N Bank rate changes
P&N Bank increased its home loan rates by 0.25% effective 13 October 2026 (September 2026 round), 4 days after the median for that round.
+0.25% effective 13 October 2026
People First Bank rate changes
People First Bank increased its home loan rates by 0.25% effective 13 October 2026 (September 2026 round), 4 days after the median for that round.
+0.25% effective 13 October 2026
+0.25% effective 19 May 2026
Pepper Money rate changes
Pepper Money increased its home loan rates by 0.25% effective 9 October 2026 (September 2026 round).
+0.25% effective 9 October 2026
QBank rate changes
QBank increased its home loan rates by 0.25% effective 15 October 2026 (September 2026 round), 6 days after the median for that round.
+0.25% effective 15 October 2026
Resimac rate changes
Resimac increased its home loan rates by 0.25% effective 9 October 2026 (September 2026 round).
+0.25% effective 9 October 2026
St George Bank rate changes
St George Bank increased its home loan rates by 0.25% effective 9 October 2026 (September 2026 round).
+0.25% effective 9 October 2026
+0.25% effective 15 May 2026
+0.25% effective 31 March 2026
Teachers Mutual Bank rate changes
Teachers Mutual Bank increased its home loan rates by 0.25% effective 8 October 2026 (September 2026 round), 1 day before the median for that round.
+0.25% effective 8 October 2026
UBank rate changes
UBank increased its home loan rates by 0.25% effective 8 October 2026 (September 2026 round), 1 day before the median for that round.
+0.25% effective 8 October 2026
+0.25% effective 14 May 2026
+0.25% effective 26 March 2026
UniBank rate changes
UniBank increased its home loan rates by 0.25% effective 8 October 2026 (September 2026 round), 1 day before the median for that round.
+0.25% effective 8 October 2026
Westpac rate changes
Westpac increased its home loan rates by 0.25% effective 9 October 2026 (September 2026 round).
+0.25% effective 9 October 2026
+0.25% effective 15 May 2026
+0.25% effective 31 March 2026
Lenders we have not recorded a change for in the September 2026 round
AFG Home Loans - Bright and Suncorp. This means we have not received or confirmed a rate change notice from these lenders for this round. It does not mean they have held their rates — they may have changed them without a notice reaching us, or the change may not be confirmed yet. If one of these is your lender, check your own correspondence or ask us and we will find out.
How this page is compiled
Rate changes are recorded from lender notifications received through the AFG aggregator panel and published once the change is confirmed. A change shown as 0.25% means the rate moved by 0.25 — for example from 6.09% to 6.34% — not by a quarter of one per cent of the rate. Figures are the change to the lender’s rates, not the rate on any particular loan — the rate a borrower pays depends on the discount that applies to their loan, so a lender’s change does not move every product by the same amount. Current product rates, with their comparison rates, are on each lender page. Where this page compares how quickly lenders moved, the comparison is against the median effective date of the lenders we recorded a change for in the same round. Where a lender is not listed for a round, we have no confirmed change on record for it. Lenders are listed alphabetically and the order they appear in carries no ranking. Last updated 14 October 2026.
Contact Sydney mortgage broker
With over 20 years of experience we can tell you what your lender has done, what the rest of the panel has done, and whether your current rate still stacks up. Based in the Sydney CBD, Get a Better Rate partners with over 40 home loan providers, with an in-depth knowledge of the Australian home loan landscape.
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