RBA Rate Decision Tracker

How this tracker works

Timing only

This page records when a lender’s listed rates changed after the decision and by how much, not why. A lender may change or hold a rate for reasons unrelated to the RBA.

Which rates

Variable rates only, on products as our Home Loans and Savings Accounts hubs list them. For a home loan, its variable owner-occupied principal and interest rate, every LVR tier. For a savings account, every rate it publishes except a fixed one.

What counts as a change

Any of those rates differing from the one published before the announcement at 2.30pm Sydney time on the decision day. A move in either direction counts, and so does a change made and later reversed.

Typical change

The median change in the headline rate our hubs show, across the lender’s changed products. A product whose headline did not move, because the change was to another tier or rate, counts as changed but not in the size.

Days after

Counted from the decision day, which is day 0. A change is dated by the lender’s own update date where its data gives one we can rely on, otherwise by the day we first saw it.

Where the rates come from

Each lender’s own published product data under the Consumer Data Right, checked twice a day. The cash rate decision is the Reserve Bank of Australia’s.

Source: Reserve Bank of Australia