Which lenders have changed their home loan rates? November 2026
In the November 2026 round, 39 of the 40 lenders we track recorded a change to their home loan rates, each of 0.25%. The median effective date was 13 November 2026. Bank of QLD moved first, effective 7 November 2026, 6 days ahead of the median. We have not recorded a change in this round for 1 lender: Suncorp. Last updated 15 November 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 - Align rate changes
AFG Home Loans - Align changed its home loan rates by 0.25% effective 10 November 2026 (November 2026 round), 3 days before the median for that round.
0.25% effective 10 November 2026
+0.25% effective 6 October 2026
See current AFG Home Loans - Align rates and comparison rates
AFG Home Loans - Alpha rate changes
AFG Home Loans - Alpha changed its home loan rates by 0.25% effective 12 November 2026 (November 2026 round), 1 day before the median for that round.
0.25% effective 12 November 2026
+0.25% effective 9 October 2026
+0.25% effective 15 May 2026
See current AFG Home Loans - Alpha rates and comparison rates
AFG Home Loans - Bridge rate changes
AFG Home Loans - Bridge changed its home loan rates by 0.25% effective 9 November 2026 (November 2026 round), 4 days before the median for that round.
0.25% effective 9 November 2026
See current AFG Home Loans - Bridge rates and comparison rates
AFG Home Loans - Bright rate changes
AFG Home Loans - Bright changed its home loan rates by 0.25% effective 11 November 2026 (November 2026 round), 2 days before the median for that round.
0.25% effective 11 November 2026
+0.25% effective 10 February 2026
See current AFG Home Loans - Bright rates and comparison rates
AFG Home Loans - Options rate changes
AFG Home Loans - Options changed its home loan rates by 0.25% effective 13 November 2026 (November 2026 round).
0.25% effective 13 November 2026
See current AFG Home Loans - Options rates and comparison rates
AFG Home Loans - Retro rate changes
AFG Home Loans - Retro changed its home loan rates by 0.25% effective 12 November 2026 (November 2026 round), 1 day before the median for that round.
0.25% effective 12 November 2026
+0.25% effective 8 October 2026
+0.25% effective 14 May 2026
See current AFG Home Loans - Retro rates and comparison rates
ANZ rate changes
ANZ changed its home loan rates by 0.25% effective 13 November 2026 (November 2026 round).
0.25% effective 13 November 2026
+0.25% effective 9 October 2026
+0.25% effective 15 May 2026
Auswide Bank rate changes
Auswide Bank changed its home loan rates by 0.25% effective 12 November 2026 (November 2026 round), 1 day before the median for that round.
0.25% effective 12 November 2026
+0.25% effective 8 October 2026
Bank Australia rate changes
Bank Australia changed its home loan rates by 0.25% effective 19 November 2026 (November 2026 round), 6 days after the median for that round.
0.25% effective 19 November 2026
+0.25% effective 15 October 2026
+0.25% effective 20 May 2026
Bank of China rate changes
Bank of China changed its home loan rates by 0.25% effective 16 November 2026 (November 2026 round), 3 days after the median for that round.
0.25% effective 16 November 2026
+0.25% effective 8 October 2026
Bank of Melbourne rate changes
Bank of Melbourne changed its home loan rates by 0.25% effective 13 November 2026 (November 2026 round).
0.25% effective 13 November 2026
+0.25% effective 9 October 2026
Bank of QLD rate changes
Bank of QLD changed its home loan rates by 0.25% effective 7 November 2026 (November 2026 round), 6 days before the median for that round.
0.25% effective 7 November 2026
+0.25% effective 2 October 2026
+0.25% effective 6 February 2026
Bank of Sydney rate changes
Bank of Sydney changed its home loan rates by 0.25% effective 17 November 2026 (November 2026 round), 4 days after the median for that round.
0.25% effective 17 November 2026
+0.25% effective 15 October 2026
+0.25% effective 14 April 2026
Bank SA rate changes
Bank SA changed its home loan rates by 0.25% effective 13 November 2026 (November 2026 round).
0.25% effective 13 November 2026
+0.25% effective 9 October 2026
+0.25% effective 15 May 2026
Bankwest rate changes
Bankwest changed its home loan rates by 0.25% effective 13 November 2026 (November 2026 round).
0.25% effective 13 November 2026
+0.25% effective 9 October 2026
+0.25% effective 15 May 2026
Beyond Bank rate changes
Beyond Bank changed its home loan rates by 0.25% effective 17 November 2026 (November 2026 round), 4 days after the median for that round.
0.25% effective 17 November 2026
+0.25% effective 13 October 2026
Commonwealth Bank rate changes
Commonwealth Bank changed its home loan rates by 0.25% effective 13 November 2026 (November 2026 round).
0.25% effective 13 November 2026
+0.25% effective 9 October 2026
+0.25% effective 15 May 2026
Firefighters Mutual Bank rate changes
Firefighters Mutual Bank changed its home loan rates by 0.25% effective 12 November 2026 (November 2026 round), 1 day before the median for that round.
0.25% effective 12 November 2026
+0.25% effective 8 October 2026
See current Firefighters Mutual Bank rates and comparison rates
Granite Home Loans rate changes
Granite Home Loans changed its home loan rates by 0.25% effective 9 November 2026 (November 2026 round), 4 days before the median for that round.
0.25% effective 9 November 2026
+0.15% effective 6 October 2026
Great Southern Bank rate changes
Great Southern Bank changed its home loan rates by 0.25% effective 11 November 2026 (November 2026 round), 2 days before the median for that round.
0.25% effective 11 November 2026
+0.25% effective 7 October 2026
+0.25% effective 15 May 2026
Health Professionals Bank rate changes
Health Professionals Bank changed its home loan rates by 0.25% effective 12 November 2026 (November 2026 round), 1 day before the median for that round.
0.25% effective 12 November 2026
+0.25% effective 8 October 2026
+0.25% effective 1 June 2026
See current Health Professionals Bank rates and comparison rates
HSBC rate changes
HSBC changed its home loan rates by 0.25% effective 16 November 2026 (November 2026 round), 3 days after the median for that round.
0.25% effective 16 November 2026
+0.25% effective 12 October 2026
+0.25% effective 18 May 2026
ING rate changes
ING changed its home loan rates by 0.25% effective 13 November 2026 (November 2026 round).
0.25% effective 13 November 2026
+0.25% effective 9 October 2026
+0.25% effective 15 May 2026
Liberty Financial rate changes
Liberty Financial changed its home loan rates by 0.25% effective 13 November 2026 (November 2026 round).
0.25% effective 13 November 2026
+0.25% effective 9 October 2026
Macquarie Bank rate changes
Macquarie Bank changed its home loan rates by 0.25% effective 19 November 2026 (November 2026 round), 6 days after the median for that round.
0.25% effective 19 November 2026
+0.25% effective 15 October 2026
+0.25% effective 22 May 2026
ME rate changes
ME changed its home loan rates by 0.25% effective 7 November 2026 (November 2026 round), 6 days before the median for that round.
0.25% effective 7 November 2026
+0.25% effective 3 October 2026
MyState rate changes
MyState changed its home loan rates by 0.25% effective 12 November 2026 (November 2026 round), 1 day before the median for that round.
0.25% effective 12 November 2026
+0.25% effective 8 October 2026
NAB rate changes
NAB changed its home loan rates by 0.25% effective 13 November 2026 (November 2026 round).
0.25% effective 13 November 2026
+0.25% effective 8 October 2026
Newcastle Permanent rate changes
Newcastle Permanent changed its home loan rates by 0.25% effective 13 November 2026 (November 2026 round).
0.25% effective 13 November 2026
+0.25% effective 9 October 2026
+0.25% effective 15 May 2026
P&N Bank rate changes
P&N Bank changed its home loan rates by 0.25% effective 12 November 2026 (November 2026 round), 1 day before the median for that round.
0.25% effective 12 November 2026
+0.25% effective 13 October 2026
People First Bank rate changes
People First Bank changed its home loan rates by 0.25% effective 17 November 2026 (November 2026 round), 4 days after the median for that round.
0.25% effective 17 November 2026
+0.25% effective 13 October 2026
+0.25% effective 19 May 2026
Pepper Money rate changes
Pepper Money changed its home loan rates by 0.25% effective 13 November 2026 (November 2026 round).
0.25% effective 13 November 2026
+0.25% effective 9 October 2026
QBank rate changes
QBank changed its home loan rates by 0.25% effective 19 November 2026 (November 2026 round), 6 days after the median for that round.
0.25% effective 19 November 2026
+0.25% effective 15 October 2026
Resimac rate changes
Resimac changed its home loan rates by 0.25% effective 13 November 2026 (November 2026 round).
0.25% effective 13 November 2026
+0.25% effective 9 October 2026
St George Bank rate changes
St George Bank changed its home loan rates by 0.25% effective 13 November 2026 (November 2026 round).
0.25% effective 13 November 2026
+0.25% effective 9 October 2026
+0.25% effective 15 May 2026
Teachers Mutual Bank rate changes
Teachers Mutual Bank changed its home loan rates by 0.25% effective 12 November 2026 (November 2026 round), 1 day before the median for that round.
0.25% effective 12 November 2026
+0.25% effective 8 October 2026
UBank rate changes
UBank changed its home loan rates by 0.25% effective 10 November 2026 (November 2026 round), 3 days before the median for that round.
0.25% effective 10 November 2026
+0.25% effective 8 October 2026
+0.25% effective 14 May 2026
UniBank rate changes
UniBank changed its home loan rates by 0.25% effective 12 November 2026 (November 2026 round), 1 day before the median for that round.
0.25% effective 12 November 2026
+0.25% effective 8 October 2026
Westpac rate changes
Westpac changed its home loan rates by 0.25% effective 13 November 2026 (November 2026 round).
0.25% effective 13 November 2026
+0.25% effective 9 October 2026
+0.25% effective 15 May 2026
Lenders we have not recorded a change for in the November 2026 round
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 15 November 2026.
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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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