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.

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.;;

Bank Lending Rate in Australia remained unchanged at 10.26 percent in July. This dataset provides - Australia Bank Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

As of the end of March 2025, the average mortgage interest rate for Australian owner-occupier borrowers was around *** percent. In comparison, the average investor interest rate was approximately *** percent. These rates refer to outstanding housing loans from banks and registered financial corporations. New loans financed in that month had even similar interest rates, at *** percent for owner-occupiers and *** percent for investors, respectively.

Lending interest rate (%) in Australia was reported at 5.101 % in 2019, according to the World Bank collection of development indicators, compiled from officially recognized sources. Australia - Lending interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on September of 2025.

Australia Lending Rate: Small Business: Variable: Others: Overdraft data was reported at 10.510 % pa in Mar 2025. This records a decrease from the previous number of 10.630 % pa for Feb 2025. Australia Lending Rate: Small Business: Variable: Others: Overdraft data is updated monthly, averaging 9.960 % pa from Feb 1976 (Median) to Mar 2025, with 590 observations. The data reached an all-time high of 21.050 % pa in Dec 1989 and a record low of 6.510 % pa in Apr 2022. Australia Lending Rate: Small Business: Variable: Others: Overdraft data remains active status in CEIC and is reported by Reserve Bank of Australia. The data is categorized under Global Database’s Australia – Table AU.M004: Lending Rate.

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.

Australia Lending Rate: Housing Loans: Banks: Variable: Investor: Standard data was reported at 5.098 % pa in Jul 2020. This stayed constant from the previous number of 5.098 % pa for Jun 2020. Australia Lending Rate: Housing Loans: Banks: Variable: Investor: Standard data is updated monthly, averaging 5.794 % pa from Aug 2015 (Median) to Jul 2020, with 60 observations. The data reached an all-time high of 5.944 % pa in May 2019 and a record low of 5.098 % pa in Jul 2020. Australia Lending Rate: Housing Loans: Banks: Variable: Investor: Standard data remains active status in CEIC and is reported by Reserve Bank of Australia. The data is categorized under Global Database’s Australia – Table AU.M003: Lending Rate.

Interest rate spread (lending rate minus deposit rate, %) in Australia was reported at 3.5427 % in 2019, according to the World Bank collection of development indicators, compiled from officially recognized sources. Australia - Interest rate spread (lending rate minus deposit rate, %) - actual values, historical data, forecasts and projections were sourced from the World Bank on September of 2025.

Australia Lending Rate: Personal Loans: Revolving Credit: Home Equity Loans data was reported at 6.198 % pa in Feb 2020. This stayed constant from the previous number of 6.198 % pa for Jan 2020. Australia Lending Rate: Personal Loans: Revolving Credit: Home Equity Loans data is updated monthly, averaging 7.220 % pa from Jan 1991 (Median) to Feb 2020, with 350 observations. The data reached an all-time high of 16.000 % pa in Apr 1991 and a record low of 5.606 % pa in Aug 2015. Australia Lending Rate: Personal Loans: Revolving Credit: Home Equity Loans data remains active status in CEIC and is reported by Reserve Bank of Australia. The data is categorized under Global Database’s Australia – Table AU.M004: Lending Rate.

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.

Australia Lending Rate: Housing Loans: Banks: 3 Year Fixed data was reported at 6.030 % pa in Mar 2025. This stayed constant from the previous number of 6.030 % pa for Feb 2025. Australia Lending Rate: Housing Loans: Banks: 3 Year Fixed data is updated monthly, averaging 6.690 % pa from Sep 1990 (Median) to Mar 2025, with 415 observations. The data reached an all-time high of 15.500 % pa in Sep 1990 and a record low of 2.140 % pa in Apr 2021. Australia Lending Rate: Housing Loans: Banks: 3 Year Fixed data remains active status in CEIC and is reported by Reserve Bank of Australia. The data is categorized under Global Database’s Australia – Table AU.M004: Lending Rate.

Forecast: Bank Lending Interest Rate in Australia 2024 - 2028 Discover more data with ReportLinker!

Graph and download economic data for Interest Rates: 3-Month or 90-Day Rates and Yields: Bank Bills: Total for Australia (IR3TBB01AUM156N) from Jan 1968 to Dec 2023 about bills, Australia, 3-month, yield, banks, interest rate, depository institutions, interest, and rate.

This dataset provides values for LENDING RATE reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

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 Jul 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 4.42 % pa in Feb 2025, compared with 4.48 % pa in the previous month.
• Australia Long Term Interest Rate data is updated monthly, available from Jul 1969 to Feb 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 4.12 % pa in Feb 2025.
• The cash rate (Policy Rate: Month End: Cash Target Rate) was set at 4.10 % pa in Feb 2025.
• Australia Exchange Rate against USD averaged 1.49 (USD/AUD) in Jun 2023.

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.

As at *************, 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.

The average for 2023 based on 5 countries was 7.66 percent. The highest value was in Vanuatu: 8.94 percent and the lowest value was in Fiji: 4.97 percent. The indicator is available from 1960 to 2024. Below is a chart for all countries where data are available.