% per annum - Source frequency: monthly · Methodology · Corrections
Supporting data for Standard Variable Mortgage Rate. It adds detail to that headline metric and is not counted in the national scores.
Australia's home loan interest rates paid was 6.2% as of August 2026. The average interest rate borrowers are actually paying on home loans. The headline line is existing owner-occupier loans; choose a loan type to compare investors, new loans, variable and fixed rates, and interest-only against principal-and-interest. The standard variable rate is a headline figure few borrowers pay exactly. What households really pay, and how new borrowers' rates differ from existing ones, drives the squeeze on household budgets. Data is sourced from RBA Table F6 — Housing Lending Rates, all institutions. The headline line is the average rate on existing owner-occupier loans. and updated monthly.
The average interest rate borrowers are actually paying on home loans. The headline line is existing owner-occupier loans; choose a loan type to compare investors, new loans, variable and fixed rates, and interest-only against principal-and-interest.
The standard variable rate is a headline figure few borrowers pay exactly. What households really pay, and how new borrowers' rates differ from existing ones, drives the squeeze on household budgets.
Context-dependent
Source: RBA Table F6 — Housing Lending Rates, all institutions. The headline line is the average rate on existing owner-occupier loans.
This data is sourced programmatically from official statistical APIs and data feeds (RBA Table F6 — Housing Lending Rates, all institutions. The headline line is the average rate on existing owner-occupier loans.), updated monthly. Our pipeline fetches the machine-readable version automatically and converts it to the standardised format shown here.
See all sources and methodology on the data sources page.
