Interest rate changes

Following recent changes to the Reserve Bank of Australia cash rate and market conditions, we’re updating our interest rates on selected lending and savings products.

What’s changing

Variable home loans
Effective Tuesday, 17 February 2026, variable interest rates across our lending products will increase by 0.25% p.a. This change applies to applicable variable owner-occupied and investment home loans. If this change impacts your home loan, we’ll send you written confirmation by mail outlining your new interest rate and minimum monthly repayment amount.

New fixed rate home loans
Effective Tuesday, 10 February 2026, fixed interest rates across new owner-occupied and investment home loans will increase by 0.40% p.a.

Term Deposits and Farm Management Deposits
Effective Tuesday, 10 February 2026, our Term Deposit and Farm Management Deposit interest rates will change for new and existing customers: Interest rates will increase. The latest interest rates can be found here.

Why we review our rates

As a customer-owned bank, we regularly review interest rates to reflect changes in the RBA cash rate, funding costs, and broader market conditions. Our aim is to do this with fairness and transparency, balancing competitive returns for savers with sustainable, responsible lending for borrowers, while keeping our customers fully informed so they can plan ahead with confidence.

We’re here to help

If you’d like to talk through what these changes mean for you, our team is here to help. Call us on 1300 004 863, send us a secure message via iBank or the Hume Bank App, or visit us in branch.