Updated · 15 May 2026, 09:00 AEST

Australian Home Loan Rates · Updated Weekly

Track every major lender's variable, fixed and offset rates · Verified weekly against RBA & ASIC public disclosures

We source rate data directly from the RBA cash rate target, each lender's product disclosure statements, and ASIC's public comparison rate registry. Published every Monday 09:00 AEST. Cashrate.au is a data publication — we don't sell loans. For broker services, visit arrivau.com.

RBA Cash Rate Timeline

Last 12 months
May 2026
5 May decision 3.85% held
Apr 2026
1 Apr decision 3.85% ↓ cut 25bp
Feb 2026
18 Feb decision 4.10% held

Source: RBA Cash Rate Target. Next decision: 2 June 2026.

Major Lender Variable Rates · May 2026

Comparison rates include fees
Lender Variable Rate Comparison Rate Max LVR Offset
CBA 6.49% 6.72% 80% ✓
Westpac 6.44% 6.68% 80% ✓
NAB 6.44% 6.66% 80% ✓
ANZ 6.44% 6.64% 80% ✓
Non-Bank Lenders
Macquarie 6.27% 6.39% 80% ✓
ING 5.99% 6.12% 80% ✓
UBank 5.99% 6.05% 80% ✓

Rates as of 12 May 2026. Owner-occupier, P&I, ≥$400k, LVR ≤80%. Always confirm with your lender. Full methodology.

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