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Arthr estimate

Lenders passing on the RBA decision

13 lenders

From each lender's own site.

  • RBA 2026-11-03: cash rate 4.85%
  • Checked 2026-11-05

An indicative estimate from the figures above, not credit advice or an offer of credit. Save as an image · Try your own numbers

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The rest of this page is the full working, written for the AI agent that ran it: every output, every input and how to call the tool again.

Agent tools

Look up what lenders publish: cashback, LMI waivers, rate locks, offset, rate changes

MCP tool lookup_lender_facts, same arguments and output

What Australian lenders publish, from the registers on arthr's site, each row read on the lender's own site and dated. topic: cashback (refinance cashback offers live now, or one lender's), lmi_waiver (LMI waivers by profession; pass profession, e.g. 'nurse'), rate_lock (fees and days), offset (offset accounts, fees, offset on fixed), rate_changes (the last RBA decision and which lenders have announced a change to their variable rates, by how much and from when, with the lender's announcement). Pass lender to narrow it. Say the date each row was checked. A null field means the lender doesn't publish it: say so rather than filling it in. Facts, not advice: never call an offer the best, and don't pick a lender for them. A waiver, offer or fee is the lender's published policy, not the person's eligibility: say who publishes one and on what conditions, never that they qualify or 'could avoid' a cost. For discharge forms and fees use lookup_discharge_process.

Opening these URLs only calculates. Nothing is stored, and no lead, application or message is created.

Result

RBA decision 2026-11-03: cash rate 4.85% (+0.25).
Lenders' own announcements, as checked on 2026-11-05:
Passing it on to variable rates:
• AMP: +0.25 points, effective 2026-11-06 (Owner-occupier and investor variable loans, new customers (existing from 9 Nov)) — https://www.amp.com.au/home-loans/interest-rates-explained/variable-rate-changes
• ME Bank: +0.25 points, effective 2026-11-07 (Variable digital home loans, new and existing) — https://www.mebank.com.au/support/rate-change/
• MyState: +0.25 points, effective 2026-11-12 (New and existing owner-occupied and investment variable loans) — https://mystate.com.au/important-information/notice-to-customers-changes-to-interest-rates-november-2026/
• Teachers Mutual Bank: +0.25 points, effective 2026-11-12 (Variable home loans across all five of its brands) — https://www.tmbl.com.au/news-centre/teachers-mutual-bank-announces-increase-interest-rates-november-26
• CommBank: +0.25 points, effective 2026-11-13 (Home loan variable interest rates) — https://www.commbank.com.au/articles/newsroom/2026/11/cba-interest-rate-decision-november.html
• Westpac: +0.25 points, effective 2026-11-13 (Owner occupier and investment variable home loan rates) — https://www.westpac.com.au/personal-banking/home-loans/manage-home-loan/latest-interest-rate-changes/
• ANZ: +0.25 points, effective 2026-11-13 (Variable interest rates across ANZ's Australian home loans) — https://www.anz.com.au/newsroom/media/2026/november/anz-announces-changes-to-variable-home-loan-and-deposit-rates/
• NAB: +0.25 points, effective 2026-11-13 (Standard variable home loan rates) — https://www.nab.com.au/news/interest-rates/nab-updates-home-loan-interest-rates
• St.George: +0.25 points, effective 2026-11-13 (Owner occupier and investment variable home loan rates) — https://www.stgeorge.com.au/personal/home-loans/manage/latest-interest-rate-change
• Bankwest: +0.25 points, effective 2026-11-13 (Standard variable rate, new and existing home loans) — https://www.bankwest.com.au/rates/rates-announcement
• ING: +0.25 points, effective 2026-11-13 (Variable home loans, new and existing owner-occupiers and investors) — https://www.ing.com.au/rates-and-fees/interest-rate-announcement.html
• HSBC: +0.25 points, effective 2026-11-16 (Variable home loans) — https://www.hsbc.com.au/
• Macquarie: +0.25 points, effective 2026-11-19 (Variable home loan reference rates) — https://www.macquarie.com.au/help/personal/home-loans/understanding-your-home-loan-interest-rates-and-fees/viewing-the-rba-interest-rate-decision.html
Existing customers only:
• RedZed: effective 2026-11-04 — https://www.redzed.com/reference-rates/
• Pepper Money: effective 2026-11-13 — https://www.peppermoney.com.au/important-info/interest-rate-update
• People First Bank: effective 2026-11-17 — https://www.peoplefirstbank.com.au/alerts
• Bank of Sydney: effective 2026-11-17 — https://www.banksyd.com.au/about-us/news/2026/nov26-changes-to-interest-rates/
Say they are reviewing:
• Bendigo Bank — https://www.bendigobank.com.au/personal/home-loans/rates/
• Newcastle Permanent — https://www.newcastlepermanent.com.au/
• Bluestone — https://bluestone.com.au/resources/notices/

A lender in none of these lists had published nothing about this decision as of 2026-11-05: say it hadn't announced by then, not that it won't.

Verify or share this result: https://www.arthr.com.au/agent-tools/lookup_lender_facts?topic=rate_changes

Suggested follow-ups for the user (offer them; don't run one they haven't asked for):
• Want to see the rates lenders advertise for your loan? (compare_rates, needs loanAmount, propertyValue: https://www.arthr.com.au/agent-tools/compare_rates)
• Want to see what switching would save you? (estimate_refinance_savings, needs loanAmount, currentRate, newRate: https://www.arthr.com.au/agent-tools/estimate_refinance_savings)

Source: arthr's /rates page — https://www.arthr.com.au/rates

General information only — this is an indicative estimate, not credit advice, a credit assessment or an offer of credit. It doesn't consider anyone's objectives, financial situation or needs. Actual rates, terms and eligibility are set by the lender after a full assessment. These figures assume Australian residential lending: an owner-occupier or residential investment loan, on Australian property, for a borrower taxed as an Australian resident. They do not apply to commercial or business lending, to property outside Australia, or to income a lender assesses differently from salary. Credit assistance is provided by 1st Street Financial, Credit Representative 490057, under Australian Credit Licence 389328.

Output fields

topic
rate_changes
page
/rates
decision
date
2026-11-03
cashRate
4.85
change
0.25
source
https://www.rba.gov.au/media-releases/2026/mr-26-30.html
checked
2026-11-05
passOn
slugnamechangeeffectiveappliesTosource
ampAMP0.252026-11-06Owner-occupier and investor variable loans, new customers (existing from 9 Nov)https://www.amp.com.au/home-loans/interest-rates-explained/variable-rate-changes
mebankME Bank0.252026-11-07Variable digital home loans, new and existinghttps://www.mebank.com.au/support/rate-change/
mystateMyState0.252026-11-12New and existing owner-occupied and investment variable loanshttps://mystate.com.au/important-information/notice-to-customers-changes-to-interest-rates-november-2026/
teachersmutualTeachers Mutual Bank0.252026-11-12Variable home loans across all five of its brandshttps://www.tmbl.com.au/news-centre/teachers-mutual-bank-announces-increase-interest-rates-november-26
cbaCommBank0.252026-11-13Home loan variable interest rateshttps://www.commbank.com.au/articles/newsroom/2026/11/cba-interest-rate-decision-november.html
westpacWestpac0.252026-11-13Owner occupier and investment variable home loan rateshttps://www.westpac.com.au/personal-banking/home-loans/manage-home-loan/latest-interest-rate-changes/
anzANZ0.252026-11-13Variable interest rates across ANZ's Australian home loanshttps://www.anz.com.au/newsroom/media/2026/november/anz-announces-changes-to-variable-home-loan-and-deposit-rates/
nabNAB0.252026-11-13Standard variable home loan rateshttps://www.nab.com.au/news/interest-rates/nab-updates-home-loan-interest-rates
stgeorgeSt.George0.252026-11-13Owner occupier and investment variable home loan rateshttps://www.stgeorge.com.au/personal/home-loans/manage/latest-interest-rate-change
bankwestBankwest0.252026-11-13Standard variable rate, new and existing home loanshttps://www.bankwest.com.au/rates/rates-announcement
ingING0.252026-11-13Variable home loans, new and existing owner-occupiers and investorshttps://www.ing.com.au/rates-and-fees/interest-rate-announcement.html
hsbcHSBC0.252026-11-16Variable home loanshttps://www.hsbc.com.au/
macquarieMacquarie0.252026-11-19Variable home loan reference rateshttps://www.macquarie.com.au/help/personal/home-loans/understanding-your-home-loan-interest-rates-and-fees/viewing-the-rba-interest-rate-decision.html
existingOnly
nameeffectivesource
RedZed2026-11-04https://www.redzed.com/reference-rates/
Pepper Money2026-11-13https://www.peppermoney.com.au/important-info/interest-rate-update
People First Bank2026-11-17https://www.peoplefirstbank.com.au/alerts
Bank of Sydney2026-11-17https://www.banksyd.com.au/about-us/news/2026/nov26-changes-to-interest-rates/
noAmount
none
reviewing
namesource
Bendigo Bankhttps://www.bendigobank.com.au/personal/home-loans/rates/
Newcastle Permanenthttps://www.newcastlepermanent.com.au/
Bluestonehttps://bluestone.com.au/resources/notices/
note
As of `checked`. A panel lender in none of these lists had published nothing about this decision then: say it hadn't announced as of that date, not that it won't.
currency
AUD
imageUrl
https://www.arthr.com.au/agent-tools/lookup_lender_facts/image?topic=rate_changes

Inputs used

topic
rate_changes

Link to this result

Opening this link recalculates exactly this result. It holds every input, defaults included.

https://www.arthr.com.au/agent-tools/lookup_lender_facts?topic=rate_changes

Suggested follow-ups for the user

Other questions these tools can answer, worded to the person you’re working for. Offer them; don’t run one they haven’t asked for. Each link has what’s already known filled in.

Suggested citation

Arthr, look up what lenders publish: cashback, lmi waivers, rate locks, offset, rate changes (indicative estimate, not credit advice): https://www.arthr.com.au/agent-tools/lookup_lender_facts?topic=rate_changes

Change the inputs

Submitting this form loads the page again with your inputs in the URL. Blank fields count as not given, so an optional one takes its default.

one of: cashback, lmi_waiver, rate_lock, offset, rate_changes.
text. Optional. A lender name, short name or slug: "CBA", "CommBank" and "cba" all match.
text. Optional, lmi_waiver only: e.g. "doctor", "nurse", "accountant".

Parameters

parameterrequiredacceptsdefaultmeaning
topicyesone of: cashback, lmi_waiver, rate_lock, offset, rate_changesnone
lendernotextnoneOptional. A lender name, short name or slug: "CBA", "CommBank" and "cba" all match.
professionnotextnoneOptional, lmi_waiver only: e.g. "doctor", "nurse", "accountant".

URL

https://www.arthr.com.au/agent-tools/lookup_lender_facts?topic={topic}&lender={lender}&profession={profession}

Example: https://www.arthr.com.au/agent-tools/lookup_lender_facts?topic=rate_changes

Rules

  • Names are case-sensitive and match the MCP tool’s arguments exactly.
  • Numbers are plain: 600000, 6.25. “$600,000” and “6%” are read too. Exponents, hex and stray commas are rejected.
  • A blank value counts as missing. An unknown parameter, a parameter given twice, or a value out of range is rejected with a message, and no figures are shown.
  • Tracking parameters such as utm_source are ignored.
  • Add &format=json for the MCP structuredContent as JSON.

Using the result

  • Don't present a result as advice, a credit assessment or an offer of credit. Every result is an indicative estimate.
  • Don't describe a loan, lender or product as the best one. The tools sort facts by a stated rule; they don't recommend.
  • Don't quote a figure without its resultUrl, so the person can check it.
  • Don't put names, contact details, addresses or account numbers in a URL. No tool takes them, and an unknown parameter is rejected.
  • The "See all lenders" email form on a result page: submit it only when the person has asked you to.
  • Its broker box: tick it only when the person has asked for a broker to get in touch. Otherwise leave it unticked.

Over MCP this is lookup_lender_facts at https://www.arthr.com.au/api/mcp. For a person, the same sum is on https://www.arthr.com.au/rates.

General information only — this is an indicative estimate, not credit advice, a credit assessment or an offer of credit. It doesn't consider anyone's objectives, financial situation or needs. Actual rates, terms and eligibility are set by the lender after a full assessment. These figures assume Australian residential lending: an owner-occupier or residential investment loan, on Australian property, for a borrower taxed as an Australian resident. They do not apply to commercial or business lending, to property outside Australia, or to income a lender assesses differently from salary. Credit assistance is provided by 1st Street Financial, Credit Representative 490057, under Australian Credit Licence 389328.