The Reserve Bank of Australia (RBA) has hiked the cash rate by 25 basis points in November, pushing the official cash rate to a new high of 2.85%.

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 November 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 1 November 2022.

To view last month's rate changes, go here.

This page is updated regularly. Last updated on 15 November.

Featured

Big 4 

Banks

Non-bank lenders

  • Aussie interest rate rise 
  • Firstmac interest rate rise 
  • Freedom Lend interest rate rise (pending)
  • Homeloans.com.au (pending)
  • Homestar Finance interest rate rise (pending)
  • La Trobe Financial interest rate rise (pending)
  • Liberty Financial interest rate rise (pending)
  • Mortgage House interest rate rise (pending)
  • Nano Digital Home Loans interest rate rise
  • Pepper Money interest rate rise (pending)
  • RAMS interest rate rise
  • Reduce Home Loans interest rate rise (pending)
  • Resi interest rate rise (pending)
  • Resimac interest rate rise 
  • State Custodians interest rate rise (pending)
  • TicToc interest rate rise
  • Unloan interest rate rise (pending)
  • Virgin Money interest rate rise
  • Yellow Brick Road (pending)

AMP Bank

  • Rate Change: +25bps on variable rates
  • Date Effective: 11 November

Aussie

  • Rate Change: +25bps on variable rates
  • Date Effective: 3 November

Auswide

  • Rate Change: +25bps on variable rates
  • Date Effective: 15 November

ANZ

  • Rate Change: +25bps on variable rates
  • Date Effective: 11 November

Bank Australia

  • Rate Change: +25bps on variable rates
  • Date Effective: 10 November

Bankwest

  • Rate Change: +25bps on variable rates
  • Date Effective: 11 November

Bank of Queensland

  • Rate Change: +25bps on variable rates
  • Date Effective: 11 November

Bank of Melbourne

  • Rate Change: +25bps on variable rates
  • Date Effective: 15 November

Bank SA

  • Rate Change: +25bps on variable rates
  • Date Effective: 15 November

Bendigo Bank

  • Rate Change: +25bps on variable rates
  • Date Effective: 11 November

CommBank

  • Rate Change: +25bps on variable rates
  • Date Effective: 11 November

Credit Union SA

  • Rate Change: +25bps on variable rates
  • Date Effective: 09 November

Firstmac

  • Rate Change: +25bps on variable rates
  • Date Effective: 4 November

Great Southern Bank 

  • Rate Change: +25bps on variable rates
  • Date Effective: 09 November

Heritage Bank

  • Rate Change: +25bps on variable rates
  • Date Effective: 10 November

IMB Bank

  • Rate Change: +25bps on variable rates
  • Date Effective: 14 November

ING

  • Rate Change: +25bps on variable rates
  • Date Effective: 8 November

loans.com.au

  • Rate Change: +25bps on variable rates
  • Date Effective: 4 November

Macquarie

  • Rate Change: +25bps on variable rates
  • Date Effective: 16 November

ME Bank

  • Rate Change: +25bps on variable rates
  • Date Effective: 12 November

MyState Bank

  • Rate Change: +25bps on variable rates
  • Date Effective: 15 November

NAB

  • Rate Change: +25bps on standard variable rates
  • Date Effective: 11 November

Newcastle Permanent

  • Rate Change: +25bps on variable rates
  • Date Effective: 11 November

Qudos Bank

  • Rate Change: +25bps on variable rates
  • Date Effective: 17 November

RACQ

  • Rate Change: +25bps on variable rates
  • Date Effective: 6 December

RAMS

  • Rate Change: +25bps on variable rates
  • Date Effective: 15 November

Resimac

  • Rate Change: +25bps on variable rates
  • Date Effective: 10 November

St. George

  • Rate Change: +25bps on standard variable rates
  • Date Effective: 15 November

Suncorp

  • Rate Change: +25bps on variable rates
  • Date Effective: 11 November

Tic:Toc

  • Rate Change: +25bps on variable rates
  • Date Effective: 18 November

Virgin Money

  • Rate Change: +25bps on variable rates
  • Date Effective: 11 November

Westpac

  • Rate Change: +25bps on standard variable rates
  • Date Effective: 15 November

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