Please see below an update of the lenders’ recent rate reductions after the RBA cash rate reduced the cash rate by 0.25% on the 12th of August 2025 (Last update 14/08/2025 10:00AM).
| Lender | Rate Cut Amount | Effective Date |
| AFG Commercial Powered by Thinktank | 0.25% | 25/08/2025 |
| AFG Home Loans – Alpha | 0.25% | 27/08/2025 |
| AFG Home Loans – Edge | 0.25% | 09/09/2025 |
| AFG Home Loans – Align | 0.25% | 25/08/2025 |
| AFG Home Loans – Bright | 0.25% | 28/08/2025 |
| AFG Home Loans – Options | 0.25% | 28/08/2025 |
| AFG Home Loans – Retro | 0.25% | 25/08/2025 |
| AMP Bank | 0.25% | 25/08/2025 |
| ANZ | 0.25% | 22/08/2025 |
| BCU Bank | 0.25% | 02/09/2025 |
| Australia Military Bank | 0.25% | 26/08/2025 |
| Auswide Bank | 0.25% | 28/08/2025 |
| Bank Australia | 0.25% | 21/08/2025 |
| Bank of China | 0.25 | 22/08/2025 |
| Bank of QLD | 0.25% | 29/08/2025 |
| Bank of Sydney | 0.25% | 26/08/2025 |
| Bankwest | 0.25% | 22/08/2025 |
| Better Mortgage Management | under review | |
| Beyond Bank | 0.25% | 26/08/2025 |
| Bluestone | 0.25% | 01/09/2025 |
| Commonwealth Bank | 0.25% | 22/08/2025 |
| Credit Union SA | 0.25% | 26/08/2025 |
| Firefighters Mutual Bank | 0.25% | 21/08/2025 |
| Firstmac | 0.25% | 26/08/2025 |
| Funding | n/a | |
| Granite Home Loans | 0.25% | 01/09/2025 |
| Great Southern Bank | 0.25% | 26/08/2025 |
| HSBC | 0.25% | 25/08/2025 |
| Health Professionals Bank | 0.25% | 21/08/2025 |
| Heartland Reverse Mortgages | under review | |
| Heritage Bank | 0.25% | 26/08/2025 |
| HomeStart Finance | 0.25% | 28/08/2025 |
| Hume Bank | 0.25% | 01/09/2025 |
| IMB Ltd | 0.25% | 26/08/2025 |
| ING | 0.25% | 26/08/2025 |
| Keystart | 0.25% | 22/08/2025 |
| La Trobe Financial | under review | |
| Liberty Financial | 0.25% | 27/09/2025 |
| ME Bank | 0.25% | 30/08/2025 |
| MA Money | 0.25% | 18/08/2025 |
| Macquarie Bank | 0.25% | 15/08/2025 |
| MyState | 0.25% | 28/08/2025 |
| NAB | 0.25% | 25/08/2025 |
| Newcastle Permanent | 0.25% | 26/08/2025 |
| P&N Bank | 0.25% | 2/09/2025 |
| Pepper Money | 0.25% | 28/08/2025 |
| People’s Choice | 0.25% | 26/08/2025 |
| RedZed | 0.25% | 15/08/2025 |
| Resimac | 0.25% | 28/08/2025 |
| St George Bank/BOM/Bank of SA | 0.25% | 29/08/2025 |
| Suncorp | 0.25% | 22/08/2025 |
| Teachers Mutual Bank | 0.25% | 21/08/2025 |
| UniBank | 0.25% | 21/08/2025 |
| Ubank | 0.25% | 21/08/2025 |
| Virgin Money | 0.25% | 29/08/2025 |
| Westpac | 0.25% | 29/08/2025 |