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RBA cash rate and lender responses

See how four unnamed major lenders responded to recent RBA rate rises, including the size of each change and when it took effect. These are announced variable-rate changes, not actual home loan rates.

What happened after each RBA rate rise?

Compare the size and effective date of each unnamed lender’s variable-rate change.

Latest rate
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Each card is one RBA rate rise. The four coloured entries show how much each lender changed its variable rates and when that change took effect. Compare lenders within the same card. Illustrative $700,000 example (not a published average): 30 years remaining, principal and interest, with a 6.00% starting loan rate before the February rise. “Extra over 30 years” compares the repayment total at the rate after each rise with the 6.00% starting-rate total, assuming that post-rise rate stayed unchanged for the full 30 years. It is an illustration, not a forecast of actual interest or repayments.

3 February 2026

RBA: +0.25 percentage points · cash rate 3.85%

About $113/month extraEstimated payment: $4,197 → $4,310/month.
Extra over 30 years at 6.25%: $40,740

Lender A+0.25 percentage pointsEffective 13 February
Lender B+0.25 percentage pointsEffective 13 February
Lender C+0.25 percentage pointsEffective 13 February
Lender D+0.25 percentage pointsEffective 17 February

17 March 2026

RBA: +0.25 percentage points · cash rate 4.10%

About $114/month extra from this riseEstimated payment: $4,310 → $4,424/month.
Extra over 30 years at 6.50%: $81,944

Lender A+0.25 percentage pointsEffective 27 March
Lender B+0.25 percentage pointsEffective 27 March
Lender C+0.25 percentage pointsEffective 27 March
Lender D+0.25 percentage pointsEffective 31 March

5 May 2026

RBA: +0.25 percentage points · cash rate 4.35%

About $116/month extra from this riseEstimated payment: $4,424 → $4,540/month.
Extra over 30 years at 6.75%: $123,600

Lender A+0.25 percentage pointsEffective 15 May
Lender B+0.25 percentage pointsEffective 15 May
Lender C+0.25 percentage pointsEffective 15 May
Lender D+0.25 percentage pointsEffective 15 May

29 September 2026

RBA: +0.25 percentage points · cash rate 4.60%

About $117/month extra from this riseEstimated payment: $4,540 → $4,657/month.
Extra over 30 years at 7.00%: $165,695

Lender A+0.25 percentage pointsEffective 9 October
Lender B+0.25 percentage pointsEffective 9 October
Lender C+0.25 percentage pointsEffective 9 October
Lender D+0.25 percentage pointsEffective 9 October

The RBA held the cash rate at its June and August 2026 decisions; those decisions are not shown as rate rises above.