The benchmark interest rate in Australia was last recorded at 3.60 percent. This dataset provides - Australia Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

As of March 2025, the average variable mortgage interest rate for Australian owner-occupier borrowers with outstanding loans was around *** percent. In comparison, the average investor interest rate for outstanding loans was approximately *** percent. New loan interest rates for owner-occupiers and investors were slightly lower that month, at *** and *** percent, respectively.

In August 2025, the average variable mortgage interest rate for owner-occupiers in Australia was **** percent. That same month, the average owner-occupier fixed mortgage interest rate was around **** percent lower than the average variable mortgage interest rate.

In 2019, the real interest rate in Australia amounted to **** percent. Between 1961 and 2019, the figure dropped by **** percentage points, though the decline followed an uneven course rather than a steady trajectory.

Graph and download economic data for Interest Rates: 3-Month or 90-Day Rates and Yields: Interbank Rates: Total for Australia (IR3TIB01AUM156N) from Jan 1968 to Oct 2025 about interbank, Australia, 3-month, yield, interest rate, interest, and rate.

Key information about Australia Long Term Interest Rate

• Australia Government Bond Yield: Australian Government: 10 Years was reported at 4.23 % pa in Oct 2025, compared with 4.30 % pa in the previous month.
• Australia Long Term Interest Rate data is updated monthly, available from Jul 1969 to Oct 2025.
• The data reached an all-time high of 16.50 % pa in Aug 1982 and a record low of 0.80 % pa in Oct 2020.
• Long Term Interest Rate is reported by reported by Reserve Bank of Australia.

• In the latest reports, Australia Short Term Interest Rate: Month End: Bank Acceptance Bills Rates: 90 days was reported at 3.66 % pa in Nov 2025.
• The cash rate (Policy Rate: Month End: Cash Target Rate) was set at 3.60 % pa in Nov 2025.
• Australia Exchange Rate against USD averaged 1.53 (USD/AUD) in Oct 2025.

Australia Real Interest Rate data was reported at 1.647 % pa in 2019. This records a decrease from the previous number of 3.370 % pa for 2018. Australia Real Interest Rate data is updated yearly, averaging 3.307 % pa from Dec 1961 (Median) to 2019, with 59 observations. The data reached an all-time high of 10.090 % pa in 1991 and a record low of -6.018 % pa in 1974. Australia Real Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Australia – Table AU.World Bank.WDI: Interest Rates. Real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.;International Monetary Fund, International Financial Statistics and data files using World Bank data on the GDP deflator.;;

On November 8, 2023, the Reserve Bank of Australia (RBA) increased the interest rate by **** percentage points, bringing the interest rate to **** percent. This was the thirteenth interest rate increase by the RBA since November 4, 2020, which saw the interest rate drop to a record *** percent.

Australia Lending Interest Rate data was reported at 5.101 % pa in 2019. This records a decrease from the previous number of 5.261 % pa for 2018. Australia Lending Interest Rate data is updated yearly, averaging 7.269 % pa from Dec 1960 (Median) to 2019, with 60 observations. The data reached an all-time high of 16.458 % pa in 1989 and a record low of 5.000 % pa in 1960. Australia Lending Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Australia – Table AU.World Bank.WDI: Interest Rates. Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.;International Monetary Fund, International Financial Statistics and data files.;;

Graph and download economic data for Interest Rates, Discount Rate for Australia (INTDSRAUM193N) from Jul 1969 to Apr 2013 about Australia, interest rate, interest, and rate.

Key information about Australia Short Term Interest Rate

• Australia Short Term Interest Rate: Month End: Bank Acceptance Bills Rates: 90 days was reported at 3.66 % pa in Nov 2025, compared with 3.64 % pa in the previous month.
• Australia Short Term Interest Rate data is updated monthly, available from Jun 1969 to Nov 2025.
• The data reached an all-time high of 21.75 % pa in May 1974 and a record low of 0.01 % pa in Jan 2021.
• Short Term Interest Rate is reported by reported by Reserve Bank of Australia.

• In the latest reports, Australia Government Bond Yield: Australian Government: 10 Years was reported at 4.23 % pa in Oct 2025.
• The cash rate (Policy Rate: Month End: Cash Target Rate) was set at 3.60 % pa in Nov 2025.
• Australia Exchange Rate against USD averaged 1.53 (USD/AUD) in Oct 2025.

As of November 2024, the average owner-occupier home loan interest rate was the highest in the Australian state of Western Australia, with an average rate of around **** percent. In comparison, the average mortgage interest rate in Victoria was at around **** percent.

A comparison of the Australian target cash rate and the overnight interbank lending rate shows that, after around a decade of being identical, the economic impact of the coronavirus (COVID-19) pandemic led to the actual overnight lending rate being lower than the Reserve Bank of Australia's target rate. This means that banks are lending to each other at lower rates than the "official" interest rate. One reason for this is the that the Reserve bank has made money available to banks in several new ways over this period (such as repo agreements where banks can pledge assets for short term funds), increasing liquidity in the banking system. As of June 2025, the overnight interbank cash rate and the target cash rate stood at **** and **** percent, respectively.

View monthly updates and historical trends for Australia Long-Term Interest Rates. Source: Organisation for Economic Co-operation and Development. Track e…

Graph and download economic data for Interest Rates: Immediate Rates (< 24 Hours): Call Money/Interbank Rate: Total for Australia (IRSTCI01AUQ156N) from Q3 1990 to Q3 2025 about interbank, overnight, Australia, interest rate, interest, and rate.

The Reserve Bank of Australia's (RBA) cash rate target in-part determines interest rates on financial products.

Dataset underlying the Seniors First reverse mortgage comparison widget. Displays indicative rate types, features, and eligibility details for multiple Australian reverse-mortgage providers. Data is aggregated and refreshed periodically for consumer education.

Graph and download economic data for Interest Rates: 3-Month or 90-Day Rates and Yields: Bank Bills: Total for Australia (IR3TBB01AUA156N) from 1968 to 2023 about bills, Australia, 3-month, yield, interest rate, banks, depository institutions, interest, and rate.

As at November 2024, the average fixed interest rate for a 1-year standard investor residential mortgage in Australia was *** percent. In comparison, the average fixed rate for a 5-year standard mortgage was *** percent.

Graph and download economic data for Interest Rates: Long-Term Government Bond Yields: 10-Year: Main (Including Benchmark) for Australia (IRLTLT01AUA156N) from 1970 to 2024 about long-term, Australia, 10-year, bonds, yield, government, interest rate, interest, and rate.