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]
July 2025
Loan purpose Outstanding loans
% per annum
New loans
% per annum
Housing (Table F6)
Owner-occupier5.765.75
– Principal-and-interest5.735.68
– Interest-only6.456.47
Investment6.015.94
– Principal-and-interest5.955.87
– Interest-only6.166.05
Business (Table F7)
Small business7.056.60
Medium business5.655.57
Large business5.194.89

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.