Existing loans
“Outstanding” means the loans still on lenders’ books at the end of the month. It includes borrowers who took out their loan at different times.
Australia · Interest & borrowing
Home-loan rates.
New and existing borrowers.
Compare the average interest rates on loans already on lenders’ books with loans funded during the month. Keep the borrower group and interest type the same.
August 2026 · Original monthly data · Published 8 October 2026
Lending figures describe August 2026. The RBA has flagged publication delays affecting these tables. These averages are not today’s loan offers.
What rates do home borrowers pay?
Borrower
Interest type
See the figures
Two averages, two groups
New loans
Loans funded in that month. These borrowers can differ from existing borrowers in their loan size, security, risk and other features.
A gap between the two averages is not the saving a particular borrower would get by refinancing. Fees, eligibility and loan features also matter.
All loans and variable rates
The variable-rate view compares loans whose interest rate can change. “All loans” combines fixed and variable rates. A shift in that mix can move the average even if individual loan rates do not change.
These charts use all institutions for both lines. They do not mix the narrower large-institution series into the comparison.