Citoyen
  • Home
  • Countries
  • Categories
  • Comparison
  • Rankings
  • Briefings
  • Deep dives
  • Reform tracker
  • Calendar
  • Sources
  • About
​
​
​
​
​
​
​
  • Home
  • Countries
  • Search
  • Deep dives
Housing

Australia · Standard variable mortgage rate (Australia)

Standard variable interest rate on owner-occupier housing loans published by Australian banks, monthly (Reserve Bank of Australia). Most Australian mortgages are variable: every move of the RBA cash rate passes through to repayments within weeks, which is why each rate decision makes the news. It is the banks' advertised reference rate: most borrowers pay less after discounts.· Advertised reference rate: most borrowers pay less after discounts
9%
Oct 2026
+1.0 ptsvs Oct 2025
min 4.5 Mar 2020max 17.0 Jun 1989
%
Frequency
Range
Chart view
Source: Reserve Bank of Australia, Reserve Bank of Australia, indicator lending rates (F5)· Data Oct 2026
Banks’ standard variable rate, owner-occupiers, monthlyAdvertised reference rate: most borrowers pay less after discountsUpd. 11/2026
Download imageSource