Which Lenders Have Passed on the RBA Rate Cut?
When the Reserve Bank of Australia (RBA) cuts rates, borrowers hope for lower repayments. Lower interest means welcome savings for many.
The RBA has just cut rates again. On 12 August 2025, the cash rate was lowered yet again. It is now at 3.60%, a further 0.25% reduction.
If you have a $700,000 variable rate home or investment loan of 30 years, it will translate to $110 reduction in your minimum monthly repayments or $1,320 a year (all amounts in AUD).
While some lenders pass on cuts quickly, others don’t. So, which lenders passed on the recent RBA rate cut? Which ones are holding out? Let’s dive in.
Which Lenders Have Passed on the RBA Rate Cut?
The table below shows which lenders passed on the RBA cash rate cut as of August 2025.
Even if lenders pass on the rate cut, check your repayments. They may not adjust automatically. Lenders typically offer a choice. You can maintain current repayments or lower them.
| Lender | Interest Rate Cut | Effective Date | Automated Repayment Adjustment by Lender |
|---|---|---|---|
AMMF | 0.25% | 22 August | |
AMP Bank | 0.25% | 25 August | Yes |
ANZ | 0.25% | 22 August | No |
AAA | 0.25% (only for RBA Tracker Product) | 13 August | Yes |
ASCF Commercial | Yet to be announced | ||
Bank of China | Yet to be announced | ||
Bank of Melbourne | 0.25% | 26 August | Yes |
Bank of Queensland | 0.25% | 26 August | Yes |
Bank of Sydney | 0.25% | 26 August | |
BankSA | 0.25% | 26 August | Yes |
Bankwest | 0.25% | 22 August | Yes |
BC Invest | Yet to be announced | ||
Bendigo Bank | 0.25% | 26 August | |
Better Choice Home Loans | Yet to be announced | ||
Commonwealth Bank | 0.25% | 22 August | No |
FINSURE Loans PLUS | Yet to be announced | ||
FINSURE Thrive | Yet to be announced | ||
FINSURE Thrive Commercial | Yet to be announced | ||
Firefighters Mutual Bank | Yet to be announced | ||
Firstmac | 0.25% | 26 August | Yes |
Great Southern Bank | 0.25% | 26 August | |
Health Professionals Bank | Yet to be announced | ||
Hejaz Islamic Credit Solutions | Yet to be announced | ||
Heritage | 0.25% | 26 August | Yes |
HSBC | 0.25% | 26 August | |
ING | 0.25% | 26 August | |
La Trobe | Yet to be announced | ||
Liberty FS | Yet to be announced | ||
MA Money | Yet to be announced | ||
Macquarie Bank | 0.25% | 15 August | Yes |
Mortgage Ezy | 0.25% | 29 August | |
Myloan Elect | Yet to be announced | ||
NAB | 0.25% | 25 August | Yes |
Pepper Money | 0.25% | 28 August | |
Qudos Bank | 0.25% | 21 August | No |
Smart Select | Yet to be announced | ||
St George | 0.25% | 26 August | Yes |
Suncorp | 0.25% | 22 August | |
Teachers Mutual Bank | 0.25% | 21 August | Yes |
Ubank | 0.25% | 21 August | |
UniBank | 0.25% | 1 September | |
Virgin Money | 0.25% | 29 August | |
Westpac | 0.25% | 26 August | Yes |
Disclaimer: The information in the table is correct as of 12 August 2025 and might be subject to change. Please be advised that lender interest rates are subject to change without notice. The rates presented in the table are indicative and may be updated by lenders at their discretion.
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