The Reserve Bank of Australia (RBA) has officially cut the cash rate by 25 basis points (0.25% in plain english) in February, taking it down from 4.35% to 4.10% p.a.
House & Home loans will provide updates following each lender’s announcements. This will be highlighted and underlined. We will be updating the list every 24 hours.
To re-assess your home and investment loans to see if you are still on the best deal contact your team member here
Residential Lenders
Finance One(Still Waiting)
Global Capital Commercial(Still Waiting)
Go Loan Suite(Still Waiting)
IMB Commercial(Still Waiting)
Judo Bank(Still Waiting)
Keystart(Still Waiting)
LaTrobe Financial(Still Waiting)
MoneyPlace(Still Waiting)
Mortgage Ezy(Still Waiting)
Mortgage Mart(Still Waiting)
Nodify(Still Waiting)
NOW Finance(Still Waiting)
Orde Financial(Still Waiting)
OwnHome(Still Waiting)
Plenti(Still Waiting)
Prime Capital(Still Waiting)
Prospa(Still Waiting)
Wisr(Still Waiting)
ANZ interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 18 February 2025
Effective date: 28 February
Athena interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 18 February 2025
Effective date: 18 February
CBA interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 18 February 2025
Effective date: 28 February
NAB interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 18 February 2025
Effective date: 28 February
Westpac interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 18 February 2025
Effective date: 4 March
ST George interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 18 February 2025
Effective date: 4 March
Bankwest interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 18 February 2025
Effective date: 28 February
Suncorp interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 18 February 2025
Effective date: 28 February
ING interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 18 February 2025
Effective date: 4 March
Auswide interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 18 February 2025
Effective date: 28 February
Bank Australia interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 18 February 2025
Effective date: 04 March
BankFirst interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 18 February 2025
Effective date: 4 March
BOQ interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 19 February 2025
Effective date: 07 March
Firstmac interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 19 February 2025
Effective date: 04 March
Great SB interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 18 February 2025
Effective date: 4 March
Homestar interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 19 February 2025
Effective date: 28 February
Macquarie interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 18 February 2025
Effective date: 28 February
ME Bank interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 18 February 2025
Effective date: 8 March
Pepper interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 18 February 2025
Effective date: 5 March
Resimac interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 18 February 2025
Effective date: 4 March
TMB interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 19 February 2025
Effective date: 28 February
Ubank interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 18 February 2025
Effective date: 27 February
Unibank interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 18 February 2025
Effective date: 28 February
AMP interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 20 February 2025
Effective date: 28 February for new
Effective date: 3 March for existing
Beyond Bank interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 20 February 2025
Effective date: 4 March
P&N Bank interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 20 February 2025
Effective date: 5 March
Bluestone interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 20 February 2025
Effective date: 7 March
Bendigo Bank interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 21 February 2025
Effective date: 7 March
Australian Unity interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 20 February 2025
Effective date: 3 March
MyState interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 19 February 2025
Effective date: 4 March
Heritage Bank interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Applies to: 2&3 year fixed home loans
Announcement date: 20 February 2025
Effective date: 4 March
Axis Lending interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 26 February 2025
Effective date: 5 March
Red Z interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 14 February 2025
Effective date: 14 February
Australian Military interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 20 February 2025
Effective date: 4 March
Better Choice interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 26 February 2025
Effective date: 7 March
BMM interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 27 February 2025
Effective date: immediately
Granite interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 27 February 2025
Effective date: 28 February
MA Money interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 27 February 2025
Effective date: 17 March
Liberty interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Applies to: Fixed rate home loans
Announcement date: 5 March 2025
Effective date: 7 March
Bluebay interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 5 March 2025
Effective date: 5 March
Brighten interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 27 February 2025
Effective date: 10 March
Liberty interest rate cut
Rate cut: 0.25%
Applies to: Variable-rate home loans
Announcement date: 5 March 2025
Effective date: 7 March