Lenders' Interest Rates

Lenders' interest rates are published 25 business days after the end of each month.

Housing Rates

Business Rates

Lenders' Rates Table

Housing and Business Rates[a]
January 2026
Loan purpose Outstanding loans
% per annum
New loans
% per annum
Housing (Table F6)
Owner-occupier5.505.50
– Principal-and-interest5.485.42
– Interest-only6.156.36
Investment5.745.66
– Principal-and-interest5.685.59
– Interest-only5.875.77
Business (Table F7)
Small business6.866.70
Medium business5.515.58
Large business5.074.82

a) Includes loans at variable and fixed interest rates

Sources: APRA; RBA

For more details see Statistical Table F6 – Housing Lending Rates and Statistical Table F7 – Business Lending Rates.