Category: Interest Rates

Following the Reserve Bank of Australia’s (RBA) February 2026 decision to increase the official cash rate by 0.25% p.a., we will be updating the interest rates for our Savings Accounts, Term Deposits and Home Loans. 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 4.75% p.a. effective from February 16, 2026
• The Savings Plus interest rate for balances between $100,000 and $249,999 will increase by 0.25% p.a. to 4.00% p.a. effective from February 16, 2026
• Retirement Plus will increase by 0.25% p.a. to 2.25% p.a. effective from February 16, 2026
• Dynamo/Flex (Bonus Rate only) will increase by 0.25% p.a. to 2.25% p.a. effective from March 1, 2026
• Bonus Saver (Bonus Rate only) will increase by 0.25% p.a. to 4.00% p.a. effective from March 1, 2026.

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

Term Deposits

• Effective 16 February, 2026, 3-Month Term Deposit interest rates for Term Deposits with Interest Paid at Maturity will increase to 4.15% p.a.
• Effective 16 February, 2026, 6-Month Term Deposit interest rates for Term Deposits with Interest Paid at Maturity will increase to 4.20% p.a.

Home Loans

All Variable Rate Home Loans

• For new borrowers: Effective February 16, 2026, interest rates for new variable rate home loans will increase by 0.25% p.a.
• For existing borrowers: Effective February 16, 2026, interest rates for existing variable rate home loans will increase by 0.25% p.a.

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

• Effective February 16, 2026, for new fixed rate home loans, the 1/2-year fixed rates will increase by 0.1% p.a., and the 3-year fixed rate will increase by 0.15% p.a.

Overdrafts

• Effective February 16, 2026, the interest rate for Easy Access Overdraft will increase by 0.25% p.a. from 13.85% p.a. to 14.10% p.a.
• Effective February 16, 2026, the interest rate for Equity Maximiser Loan and Equity Maximiser Trans accounts will increase by 0.25% p.a. from 5.95% p.a. to 6.20% 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.

Rates are changing for some of our fixed rate home loans, effective Friday January 16, 2026!

• 3-Year Fixed Rate Owner Occupier & Investment, Principal & Interest, and Interest Only Home Loans have changed.
• 2-Year Fixed Rate Owner Occupier & Investment, Principal & Interest, and Interest Only Home Loans have changed.
• 1-Year Fixed Rate Owner Occupier & Investment, Principal & Interest, and Interest Only Home Loans have changed.

For more information on changes to our Home Loan interest rates, and relevant comparison rates, visit our Home Loan and Interest Rate pages.

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

Rates are changing for some of our fixed rate home loans, effective Thursday December 4, 2025!

• 3-Year Fixed Rate Owner Occupier & Investment, Principal & Interest, and Interest Only Home Loans have changed.
• 2-Year Fixed Rate Owner Occupier & Investment, Principal & Interest, and Interest Only Home Loans have changed.
• 1-Year Fixed Rate Owner Occupier & Investment, Principal & Interest, and Interest Only Home Loans have changed.

For more information on changes to our Home Loan interest rates, and relevant comparison rates, visit our Home Loan and Interest Rate pages.

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

We’re dropping interest rates on some of our fixed rate interest only home loans, effective Friday November 14, 2025!

• 3-Year Fixed Rate Interest Only Home Loans have now been reduced.
• 2-Year Fixed Rate Interest Only Home Loans have now been reduced.
• 1-Year Fixed Rate Interest Only Home Loans have now been reduced.

For more information on changes to our Home Loan interest rates, and relevant comparison rates, visit our Home Loan and Interest Rate pages.

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

We’re dropping interest rates on some of our fixed rate home loans, effective Wednesday October 1, 2025!

• 2-Year Fixed Rate Owner Occupier & Investment, Principal & Interest Home Loans have now been reduced.
• 1-Year Fixed Rate Owner Occupier & Investment, Principal & Interest Home Loans have now been reduced.

For more information on changes to our Home Loan interest rates, and relevant comparison rates, visit our Home Loan and Interest Rate pages.

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

Following the Reserve Bank of Australia’s (RBA) decision to reduce the official cash rate by 0.25% p.a. we’re reducing our variable home loan interest rates by 0.25% p.a.

What’s changing?

Home Loans
All Variable Rate Home Loans

For new borrowers: Effective August 22, 2025, we will decrease the interest rates for new variable rate home and investment loan borrowers by 0.25% p.a.

For existing borrowers: Effective August 22, 2025, we will decrease the variable interest rates for existing owner-occupied and investment home loans by 0.25% p.a. affecting repayments from August 22, 2025.

Savings Accounts
We are reducing some of our interest rates on the following products;

• U30 SUPER CHARGE interest rates will be decreasing by 0.25% p.a. to 4.50% p.a. effective from August 22, 2025
• Some Savings Plus tiers will be decreasing by 0.25% p.a effective from August 22, 2025
  • Accounts with balances $50,000 to $99,999 will be 1.25% p.a.
  • Accounts with balances $100,000 to $249,999 will be 3.75% p.a.
• Bonus Saver (Bonus Rate only) will be decreasing by 0.25% p.a. to 3.75 % p.a. effective from September 1, 2025

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

We’re making some changes to our interest rates, effective April 4, 2025.

We’re decreasing our 2 year Fixed Rate for Owner Occupier and Investment, Principal and Interest Home Loans by 0.50% p.a.  For more information visit Home Loan Interest Rates.