Lender Variable Rate Changes AMP AFM ANZ Bankwest BMC CBA Choice lend Citibank GE White Label Heritage HLCA Homeloans Homeside ING Latrobe Liberty Macquarie NAB Pepper RAMS Resi RHG St George Suncorp The Rock Westpac Widbay Xplore
RBA Drops Rates from November 2008                                 Ex Panel Lender         Ex Panel Lender            
Old Variable Rate 8.62% Not Advised 8.32% 8.25% 8.00% 8.32%   8.74% MDR 8.35% plus broker margin 8.13% Not Advised 7.74% 8.59% 7.74%     8.37% 8.36% Not Advised 8.19% Not Advised N/A 8.36% 8.41%   8.36% Not Advised Not Advised
Drop in Rate 0.75% Not Advised 0.58% 0.60% 0.82% 0.58%   0.65% 0.58% off delivery rate 0.58% Not Advised 0.60% 0.62% 0.55%     0.75% 0.62% Not Advised 0.60% Not Advised N/A 0.62% 0.61% Not Advised 0.65% Not Advised Not Advised
New Standard Variable Rate 7.87% Not Advised 7.74% 7.65% 7.18% 7.74%   8.09% 7.77% off delivery rate 7.55% Not Advised 7.14% 7.97% 7.19%     7.62% 7.74% Not Advised 7.59% Not Advised N/A 7.74% 7.80% Not Advised 7.71% Not Advised Not Advised
Effective Date of drop 17-Nov Not Advised 14-Nov 10-Nov 14-Nov 10-Nov   17-Nov 27-Nov 14-Nov Not Advised 12-Nov 14-Nov 14-Nov     14-Nov 14-Nov Not Advised 10-Nov Not Advised N/A 14-Nov 10-Nov Not Advised 10-Nov Not Advised Not Advised
RBA Drops rates 1% from 2/12/2008 AMP AFM ANZ Bankwest BMC CBA Choice lend Citibank GE White Label Heritage HLCA Homeloans Homeside ING Latrobe Liberty Macquarie NAB Pepper RAMS Resi RHG St George Suncorp The Rock Westpac Widbay Xplore
Drop in Rate 0.88% Not Advised 0.83% 0.85% 0.75% 1.00%   0.90% 0.9% off delivery rate 1.00% Not Advised 0.90% 1.00% 1.00%     0.83% 1.00% Not Advised 0.90% Not Advised 0.80% 0.85% 0.90% Not Advised 0.80% Not Advised Not Advised
New Standard Variable Rate 6.99% Not Advised 6.91% 6.80% 6.43% 6.74%   7.19% 6.87% delivery rate 6.55% Not Advised 6.24% 6.97% 6.19%     6.79% 6.74% Not Advised 6.69% Not Advised 6.89% 6.89% 6.90% Not Advised 6.91% Not Advised Not Advised
Effective Date of Drop 19-Dec Not Advised 12-Dec 12-Dec 8-Dec 12-Dec   15-Dec 30-Dec 19-Dec Not Advised 9-Dec 12-Dec 19-Dec     19-Dec 12-Dec Not Advised 8-Dec Not Advised 18-Dec 8-Dec 15-Dec Not Advised 8-Dec Not Advised Not Advised
RBA Drops rates 1% from 3/02/2009 AMP AFM ANZ Bankwest BMC CBA Choice lend Citibank GE White Label Heritage HLCA Homeloans Homeside ING Latrobe Liberty Macquarie NAB Pepper RAMS Resi RHG St George Suncorp The Rock Westpac Widbay Xplore
Drop in Rate 1.00% Not Advised 1.00% 1.00% 1.00% 1.00%   1.20% 0.00% 1.00% Not Advised 0.85% 1.00% 1.00%     1.00% 1.00% Not Advised 1.00% Not Advised 1.00% 1.00% 1.00% Not Advised 1.00% Not Advised Not Advised
New Standard Variable Rate 5.99% Not Advised 5.91% 5.80% 5.43% 5.74%   5.99% 6.87% 5.55% Not Advised 5.39% 5.97% 5.19%     5.79% * 5.74% Not Advised 5.69% Not Advised 5.89%* 5.89% 5.90% Not Advised 5.91% Not Advised Not Advised
Effective Date of Drop 13-Feb Not Advised 13-Feb 20-Feb 10-Feb 13-Feb   16-Feb 20-Feb 20-Feb Not Advised 18-Feb 13-Feb 16-Feb     20-Feb 13-Feb Not Advised 9-Feb Not Advised 23-Feb 13-Feb 23-Feb Not Advised 9-Feb Not Advised Not Advised
RBA Drops rates 0.25% from 07/04/2009 AMP AFM ANZ Bankwest BMC CBA Choice lend Citibank GE White Label Heritage HLCA Homeloans Homeside ING Latrobe Liberty Macquarie NAB Pepper RAMS Resi RHG St George Suncorp The Rock Westpac Widbay Xplore
Drop in Rate 0.10% Not Advised 0.10% 0.10% 0.30% 0.10%   0.00% 0.10% 0.25% Not Advised 0.10% 0.20% 0.10%     0.10% 0.00% Not Advised 0.10% 0.10% 0.10% 0.10% 0.10% 0.00% 0.10% Not Advised 0.00%
New Standard Variable Rate 5.89% Not Advised 5.81% 5.70% 5.40% 5.64%   5.99% 6.77% 5.30% Not Advised 5.29% 5.77% 5.09%     5.69% 5.74% Not Advised 5.59% 5.32% 5.88% 5.79% 5.80% 5.99% 5.81% Not Advised 5.48%
Effective Date of Drop 25-Apr Not Advised 20-Apr 20-Apr 17-Apr 17-Apr   16-Feb 24-Apr 24-Apr Not Advised 17-Apr 17-Apr 17-Apr     27-Apr 13-Feb Not Advised 16-Apr 16-Apr 30-Apr 17-Apr 16-Apr 20-Apr 20-Apr Not Advised 20-Apr
RBA Increases rates 0.25% from 06/10/2009 AMP AFM ANZ Bankwest BMC CBA Choice lend Citibank GE White Label Heritage HLCA Homeloans Homeside ING Latrobe Liberty Macquarie NAB Pepper RAMS Resi RHG St George Suncorp The Rock Westpac Widebay Xplore
Increase in Rate 0.25% 0.25% 0.25% 0.25% 0.25% 0.10% Prior + 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%     0.25% 0.25% 0.25% 0.35% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
New Standard Variable Rate 6.14% On all funders 6.06% 5.95% 5.99% 5.99% 5.30% 6.24% 7.02% 5.70% 6.09% 5.54% 6.02% 5.34%     5.94% 5.99% On all Products 5.94% 5.57% 6.13% 6.04% 6.05% 6.24% 6.06% 6.12% 5.73%
Effective Date of Increase 12-Oct 10-Oct 12-Oct 12-Oct 13-Oct 13-Oct 12-Oct 19-Oct 12-Oct 15-Oct 10-Oct 12-Oct 9-Oct 12-Oct     13-Oct 12-Oct 12-Oct 13-Oct 12-Oct 9-Oct 12-Oct 12-Oct 16-Oct 12-Oct 14-Oct 14-Oct
RBA Increases rates 0.25% from 03/11/2009 AMP AFM ANZ Bankwest BMC CBA Choice lend Citibank GE White Label Heritage HLCA Homeloans Homeside ING Latrobe Liberty Macquarie NAB Pepper RAMS Resi RHG St George Suncorp The Rock Westpac Widebay Xplore
Increase in Rate 0.25% 0.25% 0.25% 0.25% 0.30% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.30% 0.25% 0.25%     0.25% 0.25% Not communicated 0.25% 0.15% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
New Standard Variable Rate 6.39% On all funders 6.31% 6.20% 6.34% 6.24% 5.55% 6.49% 7.27% 5.95% On all Funders 5.84% 6.27% 5.59%     6.19% 6.24% n/a 6.19% 5.72% 6.38% 6.29% 6.30% 6.49% 6.31% 6.37% 5.98%
Effective Date of Increase 5-Nov 6-Nov 9-Nov 9-Nov 10-Nov 9-Nov 6-Nov 11-Nov 11-Nov 11-Nov 6-Nov 9-Nov 6-Nov 9-Nov     6-Nov 9-Nov n/a 10-Nov 6-Nov 6-Nov 6-Nov 9-Nov 9-Nov 6-Nov 6-Nov 9-Nov
RBA Increases rates 0.25% from 01/12/2009 AMP AFM ANZ Bankwest BMC CBA Choice lend Citibank GE White Label Heritage HLCA Homeloans Homeside ING Latrobe Liberty Macquarie NAB Pepper RAMS Resi RHG St George Suncorp The Rock Westpac Widebay Xplore
Increase in Rate 0.30% TBA 0.35% 0.35% TBA 0.37% 0.25% TBA 0.40% TBA TBA 0.25% 0.25% 0.35% TBA TBA 0.37% 0.25% TBA TBA TBA TBA 0.39% 0.39% TBA 0.45% 0.35% TBA
New Standard Variable Rate 6.69%   6.66% 6.55%   6.61% 5.80%   7.67%     6.09% 6.52% 5.94%     6.56% 6.49%         6.68% 6.69%   6.76% 6.72%  
Effective Date of Increase 9-Dec   7-Dec 8-Dec   9-Dec 7-Dec   9-Dec     8-Dec 4-Dec 8-Dec     8-Dec 7-Dec         8-Dec 7-Dec   4-Dec 10-Dec  
Please note that some lenders have dropped different products by different percentages.
* Rates quoted may vary slightly on different products with this lender. Perentage drop or increase is based on standard variable product.