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.

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

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.

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.

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.

Interbank Rate in Australia remained unchanged at 3.60 percent in October. This dataset provides - Australia Three Month Interbank Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

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

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.;;

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

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.

Graph and download economic data for Interest Rates: Long-Term Government Bond Yields: 10-Year: Main (Including Benchmark) for Australia (IRLTLT01AUM156N) from Jul 1969 to Sep 2025 about long-term, Australia, 10-year, bonds, yield, government, interest rate, interest, and rate.

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 Interest Rates - 10-Year Government Bond Yields - Historical chart and current data through 2025.

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

Key information about Australia Policy Rate

• Australia cash rate (Policy Rate: Month End: Cash Target Rate) was set at 4.10 % pa in Feb 2025, compared with 4.35 % pa in the previous Jan 2025.
• Australia Policy Rate averaged 4.75 % pa and is updated monthly, available from Aug 1990 to Feb 2025.
• The data reached an all-time high of 14.00 % pa in Sep 1990 and a record low of 0.10 % pa in Apr 2022.

• In the latest reports, Australia Short Term Interest Rate: Month End: Bank Acceptance Bills Rates: 90 days was reported at 4.25 % pa in Jan 2025.
• Its Long Term Interest Rate (Government Bond Yield: Australian Government: 10 Years) was reported at 4.48 % pa in Jan 2025.
• Australia Exchange Rate against USD averaged 1.49 (USD/AUD) in Jun 2023.
• Its Real Effective Exchange Rate was 100.34 in Jan 2025.

Mortgage Rate in Australia decreased to 5.51 percent in September from 5.52 percent in August of 2025. This dataset includes a chart with historical data for Australia Mortgage 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.

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.

Deposit Interest Rate in Australia remained unchanged at 2.70 percent in October. This dataset includes a chart with historical data for Deposit Interest Rate in Australia.

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.