Home Loan Interest Rates Paid: methodology

What this metric measures

The average interest rate borrowers are actually paying on home loans. The headline line is existing owner-occupier loans; choose a loan type to compare investors, new loans, variable and fixed rates, and interest-only against principal-and-interest.

Why it matters: The standard variable rate is a headline figure few borrowers pay exactly. What households really pay, and how new borrowers' rates differ from existing ones, drives the squeeze on household budgets.

Source & provenance

Publisher

RBA Table F6 — Housing Lending Rates, all institutions. The headline line is the average rate on existing owner-occupier loans.

Update frequency

monthly

Licence

CC BY 4.0

How the score is computed

The score is a 0–100 normalisation of the latest observation, compared to a baseline window. The traffic-light rating (RAG) reflects both the absolute level and the recent trend.

Direction

Context-dependent

Trend window

24 months

Baseline

Last 10 years

{
  "neutral": true
}