The 51 basis point gap in Australian home loan rates
What the average outstanding owner-occupier rate and the lowest advertised variable rate each measure, where the gap between them comes from, and how to read it.
Read the noteA little context for your next conversation
Home loan news.
A clearer perspective.
Short, dated notes on the Australian mortgage market.
The figures, the context and the sources behind them.
What 4,861 self-reported mortgage rates show
Where the mortgage rates 4,861 homeowners reported to Ratey sat against two published benchmarks, and the limitations that travel with the finding.
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The cash rate rose 75 basis points in five months
What the RBA cash rate target did over the first half of 2026, what that changes for a loan you already have, and what it cannot tell you about your own rate.
Read the noteA snapshot, with a date.
Published rates change. Each note keeps its sources and review date attached so you can see the context of the figures. These notes provide general information about the market.
From one number to your whole picture
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Your mortgage, equity and borrowing power. Together in Ratey.