% per annum - Source frequency: monthly · Methodology · Corrections
Supporting data for Standard Variable Mortgage Rate. It adds detail to that headline metric and is not counted in the national scores.
Australia's fixed mortgage rate (3-year) was 7.0% as of September 2026. The 3-year fixed interest rate on new owner-occupier housing loans from banks, from the RBA's indicator lending rates. Fixed rates are what borrowers pay to lock in certainty; their gap to variable rates shows how the market expects rates to move. Data is sourced from RBA Table F5 - Banks; 3-year fixed housing loan, owner-occupier and updated monthly.
The 3-year fixed interest rate on new owner-occupier housing loans from banks, from the RBA's indicator lending rates.
Fixed rates are what borrowers pay to lock in certainty; their gap to variable rates shows how the market expects rates to move.
Lower is better
Source: RBA Table F5 - Banks; 3-year fixed housing loan, owner-occupier
This data is sourced programmatically from official statistical APIs and data feeds (RBA Table F5 - Banks; 3-year fixed housing loan, owner-occupier), updated monthly. Our pipeline fetches the machine-readable version automatically and converts it to the standardised format shown here.
See all sources and methodology on the data sources page.
