Category: Interest Rates

Following the Reserve Bank of Australia’s (RBA) 3 November 2026 decision to increase the official cash rate by 0.25% p.a., we will be updating interest rates across some Home Loans and selected Savings Accounts.

Here’s a summary of what’s changing and when these updates take effect.

What’s changing?

Savings Accounts

Effective from 12 November 2026, interest rates on selected Savings Accounts will increase as follows:

U30 SUPER CHARGE

• Interest rates for balances up to $10,000.00 per account will increase by 0.25% p.a., from 5.50% p.a. to 5.75% p.a.

Savings Plus

The following interest rate tiers will increase by 0.15% p.a.:

• Balances between $50,000.00 and $99,999.99 will increase from 1.90% p.a. to 2.05% p.a.
• Balances between $100,000.00 and $249,999.99 will increase from 4.65% p.a. to 4.80% p.a.

Effective from 1 December 2026, the interest rate on Bonus Saver, Bonus Rate only will increase as follows:

Bonus Saver

• The Bonus Rate (where account conditions are met) will increase by 0.25% p.a., from 4.75% p.a. to 5.00% p.a., taking the total interest rate to 5.05% p.a.

Variable Rate Home Loans

Effective from 12 November 2026, interest rates on selected Variable Rate Home Loan products will increase as follows:

Existing Variable Rate Home Loans

• Interest rates for existing Variable Rate Home Loans will increase by 0.25% p.a.

New Variable Rate Home Loans

• Goldrate Home Loan rates will increase by 0.25% p.a.
• Police Value Home Loan rates will increase by 0.25% p.a.
• First Home Loan rates will increase by 0.25% p.a.
• Essential Workers Home Loan rates will increase by 0.25% p.a.

Equity Maximiser

Effective from 12 November 2026, interest rates on Equity Maximiser products will increase as follows:

• Interest rates for Equity Maximiser Loan and Equity Maximiser Transactional accounts will increase by 0.25% p.a. to 6.95% p.a.

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Information and interest rates are current as at the date of publication and are subject to change. All other interest rates remain under review, this includes including Term Deposits, Fixed Rate Home Loans and Personal Lending.

For more information on changes to our interest rates, and relevant comparison rates, visit our Interest Rates page.

Terms and conditions, lending and eligibility criteria apply and are available here.

We’ve made some changes to selected new business Home Loan interest rates, effective Tuesday, 3 November 2026.

What’s changing?

Home Loans

Effective from 3 November 2026, interest rates on selected new business Home Loan products will increase as follows:

• 1 Year Fixed Rates will increase by 0.15% p.a.
• 2 Year Fixed Rates will increase by 0.15% p.a.
• 3 Year Fixed Rates will increase by 0.35% p.a.
• 5 Year Fixed Rates will increase by 0.15% p.a.

These changes apply across First Home Loans, Goldrate Home Loans, Police Value Home Loans and Essential Workers Home Loans.

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Information and interest rates are current as at the date of publication and are subject to change.

For more information on changes to our interest rates, and relevant comparison rates, visit our Interest Rates page.

Terms and conditions, lending and eligibility criteria apply and are available here.

Following the Reserve Bank of Australia’s (RBA) 29 September 2026 decision to increase the official cash rate by 0.25% p.a., we will be updating interest rates across some Home Loans and Savings Accounts.

Here’s a summary of what’s changing and when these updates take effect.

What’s changing?

Savings Accounts

Effective from 15 October 2026, interest rates on selected Savings Accounts will increase as follows:

U30 SUPER CHARGE

• Interest rates for balances up to $10,000 per account will increase by 0.25% p.a., from 5.25% p.a. to 5.50% p.a.

Savings Plus

The following interest rate tiers will increase by 0.25% p.a.:

• Balances between $50,000 and $99,999.99 will increase from 1.65% p.a. to 1.90% p.a.
• Balances between $100,000 and $249,999.99 will increase from 4.40% p.a. to 4.65% p.a.

Retirement Plus

• Interest rates will increase by 0.25% p.a., from 2.25% p.a. to 2.50% p.a.

Effective from 1 November 2026, interest rates on selected Savings Accounts will increase as follows:

Bonus Saver

• The Bonus Rate (where account conditions are met) will increase by 0.25% p.a., from 4.50% p.a. to 4.75% p.a.

Dynamo/Flex Savings

• The Bonus Rate will increase by 0.25% p.a., from 2.25% p.a. to 2.50% p.a.

Variable Rate Home Loans

Effective from 15 October 2026, interest rates on selected Variable Rate Home Loan products will increase as follows:

Existing Variable Rate Home Loans

• Interest rates for existing Variable Rate Home Loans will increase by 0.25% p.a.

New Variable Rate Home Loans

• Goldrate Home Loan rates will increase by 0.25% p.a.
• Police Value Home Loan rates will increase by 0.25% p.a.
• First Home Loan rates will increase by 0.25% p.a.

Equity Maximiser

Effective from 15 October 2026, interest rates on Equity Maximiser products will increase as follows:

• Interest rates for Equity Maximiser Loan and Equity Maximiser Transactional accounts will increase by 0.25% p.a.

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Information and interest rates are current as at the date of publication and are subject to change. All other interest rates remain under review, this includes including Term Deposits, Fixed Rate Home Loans and Personal Lending.

For more information on changes to our interest rates, and relevant comparison rates, visit our Interest Rates page.

Terms and conditions, lending and eligibility criteria apply and are available here.

We’ve made some changes to selected new business Home Loan interest rates, effective Friday, 2 October 2026.

What’s changing?

Home Loans

Effective from 2 October 2026, interest rates on selected new business Home Loan products will increase as follows:

Police Value Home Loans

• 3 Year Fixed Rates for Owner Occupied Principal & Interest lending with an LVR^ up to 90% will increase by 0.25% p.a.
• 3 Year Fixed Rates for Investment Principal & Interest lending with an LVR^ up to 80% will increase by 0.25% p.a.
• No changes will apply to higher LVR tiers.

First Home Loans

• 3 Year Fixed Rates will increase by 0.25% p.a.

Goldrate Home Loans

• 3 Year Fixed Rates for Owner Occupied and Investment lending with an LVR^ up to 80% will increase by 0.25% p.a.
• No changes will apply to higher LVR tiers.

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Information and interest rates are current as at the date of publication and are subject to change.

For more information on changes to our interest rates, and relevant comparison rates, visit our Interest Rates page.

Terms and conditions, lending and eligibility criteria apply and are available here.

^LVR stands for loan-to-value ratio. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage.

We’ve made some changes to selected new business Home Loan interest rates, effective Thursday, 10 September 2026.

Here’s a summary of what’s changing.

What’s changing?

Home Loans

Effective from September 10, 2026, interest rates on selected new business home loan products will decrease as follows:

First Home Loan

• 3 Year Fixed Rates for Owner Occupied Principal and Interest lending with an LVR^ greater than 80% and up to 98% will decrease by 0.30% p.a.
• 3 Year Fixed Rates for Owner Occupied Interest Only lending with an LVR^ greater than 80% and up to 98% will decrease by 0.30% p.a.
• No changes will apply to existing loans or current applications.

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Information and interest rates are current as at the date of publication and are subject to change.

For more information on changes to our interest rates, and relevant comparison rates, visit our Interest Rates page.

Terms and conditions, lending and eligibility criteria apply and are available here.

^LVR stands for loan-to-value ratio. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage.

We’ve made some changes to selected new business Home Loan interest rates, Savings Plus interest rates and Term Deposit interest rates, effective Thursday, 3 September 2026.

Here’s a summary of what’s changing.

What’s changing?

Home Loans

Effective from September 3, 2026, interest rates on selected new business home loan products will decrease as follows:

Goldrate Home Loans

• Variable Rates for owner occupied and investment lending up to 80% LVR^ will decrease by 0.10% p.a.
• 3 Year Fixed Rates for owner occupied and investment lending up to 80% LVR will decrease by 0.30% p.a.
• No changes will apply to higher LVR tiers or existing home loans.

Police Value Home Loans

• Variable Rates for owner occupied lending up to 90% LVR will decrease by 0.10% p.a.
• Variable Rates for investment lending up to 80% LVR will decrease by 0.10% p.a.
• 3 Year Fixed Rates for owner occupied lending up to 90% LVR will decrease by 0.30% p.a.
• 3 Year Fixed Rates for investment lending up to 80% LVR will decrease by 0.30% p.a.
• No changes will apply to higher LVR tiers or existing home loans.

Savings Plus

Effective from September 3, 2026, interest rates on all Savings Plus tiers will decrease by 0.10% p.a. as follows:

• Tier 1: 1.00% p.a. → 0.90% p.a.
• Tier 2: 1.75% p.a. → 1.65% p.a.
• Tier 3: 4.50% p.a. → 4.40% p.a.
• Tier 4: 0.50% p.a. → 0.40% p.a.

Term Deposits*

Effective from September 3, 2026, the 4 Month Term Deposit rate will increase from 5.10% p.a. to 5.25% p.a.

*Interest is paid at maturity and rates may differ slightly depending on interest payment frequency.

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Information and interest rates are current as at the date of publication and are subject to change.

For more information on changes to our interest rates, and relevant comparison rates, visit our Interest Rates page.

Terms and conditions, lending and eligibility criteria apply and are available here.

^LVR stands for loan-to-value ratio. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage.

We’ve made some changes to our Term Deposit pricing, effective Friday July 31, 2026.

Here’s a summary of what’s changing and when these updates take effect.

What’s changing?

Term Deposits*

Effective July 31, 2026, Term Deposit interest rates will increase as follows:

• 4 months: increasing from 4.30% p.a. to 5.10% p.a.
• 9 months: increasing from 5.10% p.a. to 5.25% p.a.

*Interest is paid at maturity, and rates may differ slightly depending on interest payment frequency.

Information and interest rates are current as at the date of publication and are subject to change.

For more information on changes to our interest rates, visit our Interest Rates page.

Terms and conditions and eligibility criteria apply and are available here.

Following the Reserve Bank of Australia’s (RBA) May 2026 decision to increase the official cash rate by 0.25% p.a., we will be updating interest rates across our Home Loans and Savings Accounts. Here’s a summary of what’s changing and when these updates take effect.

What’s changing?

Savings Accounts

We will increase some of our interest rates on the following products;

The rates for each balance tier apply to the entire account balance, up to the limits stated.

Variable Rate Home Loans

• For existing borrowers: Effective May 15, 2026, interest rates for existing variable rate home loans will increase by 0.25% p.a.
• For new borrowers: Effective May 15, 2026, interest rates for new variable rate home loans — including Goldrate, Police Value (Owner Occupied and Investment), First, and Essential Workers home loans — will increase by 0.25% p.a., reflecting the RBA increase.

Overdrafts

• Effective May 15, 2026, the interest rate for Equity Maximiser Loan and Equity Maximiser Trans accounts will increase by 0.25% p.a. from 6.20% p.a. to 6.45% p.a.

Information and interest rates are current as at the date of publication and are subject to change.

For more information on changes to our interest rates, and relevant comparison rates, visit our Interest Rates page.

Terms and conditions, lending and eligibility criteria apply and are available here.

We’ve made some changes to our Fixed Rate Home Loans and Term Deposit pricing, effective Tuesday May 5, 2026.

Here’s a summary of what’s changing and when these updates take effect.

What’s changing?

Term Deposits*

Effective May 5, 2026, Term Deposit interest rates will increase as follows:

• 6 months: increasing from 4.65% p.a. to 4.85% p.a.
• 12 months: increasing from 4.70% p.a. to 5.00% p.a.

*Interest is paid at maturity and rates may differ slightly depending on interest payment frequency.

Home Loans

Fixed Rate Home Loans (including Owner Occupier, Investor, Principal & Interest and Interest Only loans)

• Effective May 5, 2026, interest rates for new fixed home loans will increase across all fixed terms and all LVR tiers.

Information and interest rates are current as at the date of publication and are subject to change.

For more information on changes to our interest rates, and relevant comparison rates, visit our Interest Rates page.

Terms and conditions, lending and eligibility criteria apply and are available here.

Following the Reserve Bank of Australia’s (RBA) March 2026 decision to increase the official cash rate by 0.25% p.a., we will be updating interest rates across our Home Loans, Savings Accounts and Term Deposits. Here’s a summary of what’s changing and when these updates take effect.

What’s changing?

Savings Accounts

We will increase some of our interest rates on the following products;

• U30 SUPER CHARGE interest rates will increase by 0.25% p.a. to 5.00% p.a. effective from March 20, 2026
• The Savings Plus interest rates will increase effective from March 20, 2026, with changes applying as follows:
  • Tier 2 balances between $50,000 and $99,999 will increase by 0.25% p.a. from 1.25% p.a. to 1.50% p.a.
  • Tier 3 balances between $100,000 and $249,999 will increase by 0.25% p.a. from 4.00% p.a. to 4.25% p.a.
• Bonus Saver (Bonus Rate only) will increase by 0.25% p.a. to 4.25% p.a. effective from April 1, 2026.

The rates for each balance tier apply to the entire account balance, up to the limits stated.

Term Deposits*

Effective March 20, 2026, Term Deposit rates will increase as follows:

• 3 months: increasing from 4.15% p.a. to 4.30% p.a.
• 4 months: increasing from 4.00% p.a. to 4.30% p.a.
• 5 months: increasing from 4.00% p.a. to 4.30% p.a.
• 6 months: increasing from 4.20% p.a. to 4.65% p.a.
• 7 months: increasing from 4.00% p.a. to 4.65% p.a.
• 9 months: increasing from 4.55% p.a. to 4.85% p.a.
• 12 months: increasing from 4.50% p.a. to 4.70% p.a.
• 24 months: increasing from 4.40% p.a. to 4.60% p.a.
• 36 months: increasing from 4.00% p.a. to 4.20% p.a.
• 48 months: increasing from 3.60% p.a. to 4.20% p.a.
• 60 months: increasing from 3.50% p.a. to 4.20% p.a.

*Rates may differ slightly depending on interest payment frequency.

Home Loans

Fixed Rate Home Loans (including Owner Occupier, Investor, Principal & Interest and Interest Only loans)

• Effective March 20, 2026, interest rates for new fixed home loans will increase across all fixed terms and all LVR tiers.

Variable Rate Home Loans

• For existing borrowers: Effective March 27, 2026, interest rates for existing variable rate home loans will increase by 0.25% p.a.
• For new borrowers: Effective March 27, 2026, interest rates for new variable rate home loans — including Goldrate, Police Value, Customs Value, First, and Essential Workers home loans (Owner Occupied and Investment) — will increase by 0.25% p.a., reflecting the RBA increase.

Information and interest rates are current as at the date of publication and are subject to change.

For more information on changes to our interest rates, and relevant comparison rates, visit our Interest Rates page.

Terms and conditions, lending and eligibility criteria apply and are available here.