The Reserve Bank of Australia (RBA) has hiked the cash rate by 25 basis points in February, pushing the official cash rate to a new high of 3.35%.

But don't sit around waiting for your bank to send you an email or a letter informing you if they’ve passed on the rate increase. Your Mortgage will provide regular updates on which lenders are passing on the rate increase to variable rate home loans, as they are announced.

Which lenders have passed on the February RBA rate rise?

All interest rate increases listed below are for variable rates only and refer to lenders' responses to the RBA rate rise on February 7 2023.

This page is updated regularly. Last updated on 21 February.

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Big 4 

Banks

Non-bank lenders

Adelaide Bank

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 24 February 2023

AMP Bank

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 14 February 2023

Athena

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 15 February 2023

ANZ

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 17 February 2023

Aussie

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 15 February 2023

Auswide Bank

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 14 February 2023

Australian Unity

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 16 February 2023

Bank Australia

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 23 February 2023

Bank of Melbourne

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 21 February 2023

BankSA

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 21 February 2023

Bankwest

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 17 February 2023

Bank First

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 24 February 2023

Bank of Sydney

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 16 February 2023

Bank of Us

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 21 February 2023

Bendigo Bank

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 17 February 2023

Beyond Bank Australia

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 21 February 2023

BCU

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 22 February 2023

BOQ

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 10 February 2023

CommBank

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 17 February 2023

Credit Union SA

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 14 February 2023

Defence Bank

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 13 February 2023

Firstmac

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 10 February 2023

Freedom Lend

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 09 February 2023

G&C Mutual Bank

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 20 March 2023

Greater Bank

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 15 February 2023

Great Southern Bank

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 15 February 2023

Heritage Bank

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 22 February 2023

Homeloans.com.au

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 17 February 2023

Horizon Bank

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 08 February 2023

Illawara Credit Union

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 17 February 2023

IMB Bank

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 17 February 2023

ING 

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 14 February 2023

Loans.com.au

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 10 February 2023

Macquarie Bank

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 25 February 2023

ME Bank

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 10 February 2023

MyState Bank

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 20 February 2023

NAB

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 17 February 2023

Newcastle Permanent

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 17 February 2023

QBank 

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 23 February 2023

Qudos Bank

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 23 February 2023

RACQ Bank 

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 21 February 2023

Resimac

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 17 February 2023

St. George

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 21 February 2023

Suncorp

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 16 February 2023

Tic:Toc

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 24 February 2023

UBank

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 16 February 2023

Unloan

Rate increase: 30bps
Applies to: Variable loans
Date Effective: 24 February 2023

Virgin Money

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 10 February 2023

Westpac

Rate increase: 25bps
Applies to: Variable loans
Date Effective: 10 February 2023

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