Rates Announcement – 5 November 2026

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.

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.