Panel · generated from the data file's history

Lender panel changes

Every change to the 51-lender panel, newest first: rates refreshed, lenders added or removed, policy fields corrected against the lender's own workbook. Nothing here is written by hand — the list is diffed from the panel data file's commit history, so it can't say something the data didn't do. Rates are currently as at 3 Sep 2026.

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September 2026

FMC

Firstmac policy updated

4 Sep 2026 · max LVR 95% → 90% · 150fd31

Policy
NAB

National Australia Bank policy updated

4 Sep 2026 · rental shading 80% → 90% · 150fd31

Policy
CBA

Commonwealth Bank policy updated

4 Sep 2026 · assessment floor 5.25% → 5.4% · 150fd31

Policy
GSB

Great Southern Bank variable rate down to 6.04%

4 Sep 2026 · from 6.14% · 150fd31

Rate
FMC

Firstmac policy updated

4 Sep 2026 · max LVR 90% → 95% · 4f1279d

Policy
CBA

Commonwealth Bank policy updated

4 Sep 2026 · assessment floor 5.4% → 5.25% · 4f1279d

Policy
GSB

Great Southern Bank variable rate up to 6.14%

4 Sep 2026 · from 6.04% · 4f1279d

Rate
GSB

Great Southern Bank variable rate down to 6.04%

3 Sep 2026 · from 6.14% · 3845ebe

Rate
FMC

Firstmac policy updated

3 Sep 2026 · max LVR 95% → 90% · 20caa1e

Policy
CBA

Commonwealth Bank policy updated

3 Sep 2026 · assessment floor 5.25% → 5.4% · 20caa1e

Policy
GSB

Great Southern Bank variable rate up to 6.14%

3 Sep 2026 · from 6.04% · 20caa1e

Rate
GSB

Great Southern Bank variable rate down to 6.04%

3 Sep 2026 · from 6.14% · fe94635

Rate
BKW

Bankwest variable rate up to 6.24%

3 Sep 2026 · from 6.19% · 6f8270c

Rate
BFR

Bank First policy updated

3 Sep 2026 · bonus / overtime shading 50% → 80% · 0ef2b19

Policy
GSB

Great Southern Bank policy updated

3 Sep 2026 · bonus / overtime shading 50% → 80% · 0ef2b19

Policy
NRMA

NRMA Home Loans policy updated

3 Sep 2026 · HEM multiplier ×0.95 → ×1 · rental shading 85% → 80% · credit-card factor 3% → 3.8% · 0ef2b19

Policy
UTY

Unity Bank policy updated

3 Sep 2026 · bonus / overtime shading 50% → 80% · 0ef2b19

Policy
VIR

Virgin Money policy updated

3 Sep 2026 · bonus / overtime shading 50% → 80% · 0ef2b19

Policy
UNL

Unloan policy updated

3 Sep 2026 · bonus / overtime shading 50% → 80% · credit-card factor 3% → 3.8% · 0ef2b19

Policy
HMS

Homestar Finance policy updated

3 Sep 2026 · HEM multiplier ×0.95 → ×1 · rental shading 85% → 80% · credit-card factor 2.5% → 3.8% · 0ef2b19

Policy
MOH

Mortgage House policy updated

3 Sep 2026 · HEM multiplier ×0.95 → ×1 · rental shading 85% → 80% · credit-card factor 2.5% → 3.8% · 0ef2b19

Policy
RED

Reduce Home Loans policy updated

3 Sep 2026 · HEM multiplier ×0.95 → ×1 · rental shading 85% → 80% · credit-card factor 2.5% → 3.8% · 0ef2b19

Policy
LCA

Loans.com.au policy updated

3 Sep 2026 · HEM multiplier ×0.95 → ×1 · rental shading 85% → 80% · credit-card factor 2.5% → 3.8% · 0ef2b19

Policy
WEL

Well Money policy updated

3 Sep 2026 · HEM multiplier ×0.95 → ×1 · rental shading 85% → 80% · credit-card factor 2.5% → 3.8% · 0ef2b19

Policy
ATH

Athena policy updated

3 Sep 2026 · HEM multiplier ×0.95 → ×1 · rental shading 85% → 80% · credit-card factor 2.5% → 3.8% · 0ef2b19

Policy
FMC

Firstmac policy updated

3 Sep 2026 · HEM multiplier ×0.95 → ×1 · rental shading 85% → 80% · credit-card factor 2.5% → 3.8% · 0ef2b19

Policy
RES

Resimac policy updated

3 Sep 2026 · HEM multiplier ×0.95 → ×1 · rental shading 85% → 80% · credit-card factor 2.5% → 3.8% · 0ef2b19

Policy
LIB

Liberty Financial policy updated

3 Sep 2026 · HEM multiplier ×0.95 → ×1 · rental shading 85% → 80% · credit-card factor 2.5% → 3.8% · 0ef2b19

Policy
PEP

Pepper Money policy updated

3 Sep 2026 · HEM multiplier ×0.95 → ×1 · rental shading 85% → 80% · credit-card factor 2.5% → 3.8% · 0ef2b19

Policy
BCU

BCU Bank policy updated

3 Sep 2026 · bonus / overtime shading 50% → 80% · credit-card factor 3% → 3.8% · 0ef2b19

Policy
PLB

Police Bank policy updated

3 Sep 2026 · bonus / overtime shading 50% → 80% · credit-card factor 3% → 3.8% · 0ef2b19

Policy
PNB

P&N Bank policy updated

3 Sep 2026 · bonus / overtime shading 50% → 80% · credit-card factor 3% → 3.8% · 0ef2b19

Policy
IMB

IMB Bank policy updated

3 Sep 2026 · bonus / overtime shading 50% → 80% · credit-card factor 3% → 3.8% · 0ef2b19

Policy
GRB

Greater Bank policy updated

3 Sep 2026 · bonus / overtime shading 50% → 80% · credit-card factor 3% → 3.8% · 0ef2b19

Policy
NCP

Newcastle Permanent policy updated

3 Sep 2026 · bonus / overtime shading 50% → 80% · credit-card factor 3% → 3.8% · 0ef2b19

Policy
PCU

People's Choice CU policy updated

3 Sep 2026 · bonus / overtime shading 50% → 80% · credit-card factor 3% → 3.8% · 0ef2b19

Policy
SUN

Suncorp Bank policy updated

3 Sep 2026 · bonus / overtime shading 50% → 80% · credit-card factor 3% → 3.8% · 0ef2b19

Policy
UBK

uBank policy updated

3 Sep 2026 · bonus / overtime shading 50% → 80% · credit-card factor 3% → 3.8% · 0ef2b19

Policy
BSA

BankSA policy updated

3 Sep 2026 · HEM multiplier ×1.05 → ×1 · bonus / overtime shading 50% → 80% · rental shading 75% → 80% · 0ef2b19

Policy
BOM

Bank of Melbourne policy updated

3 Sep 2026 · HEM multiplier ×1.05 → ×1 · bonus / overtime shading 50% → 80% · rental shading 75% → 80% · 0ef2b19

Policy
STG

St. George Bank policy updated

3 Sep 2026 · HEM multiplier ×1.05 → ×1 · bonus / overtime shading 50% → 80% · rental shading 75% → 80% · 0ef2b19

Policy
ING

ING Australia policy updated

3 Sep 2026 · HEM multiplier ×1.05 → ×1 · bonus / overtime shading 50% → 80% · rental shading 75% → 80% · 0ef2b19

Policy
RATE

Rates refreshed for 19 lenders

3 Sep 2026 · 14 down, 5 up · lowest variable now 5.84% · b2e3185

Rates
QUD

Qudos Bank policy updated

3 Sep 2026 · max LVR 95% → 98% · max loan $2M → $5M · bonus / overtime shading 50% → 100% · credit-card factor 3.8% → 3.82% · 266de21

Policy
BAU

Bank Australia policy updated

3 Sep 2026 · assessment floor 5.25% → 7.25% · bonus / overtime shading 50% → 80% · credit-card factor 3.8% → 3.82% · 266de21

Policy
CFB

Community First Bank policy updated

3 Sep 2026 · assessment floor 5.25% → 7.25% · HEM multiplier ×1 → ×1.05 · bonus / overtime shading 50% → 80% · credit-card factor 3.8% → 3.75% · 266de21

Policy
BLS

Bluestone policy updated

3 Sep 2026 · assessment buffer 3% → 2% · max LVR 85% → 90% · HEM multiplier ×0.95 → ×1 · credit-card factor 2.5% → 3.8% · 266de21

Policy
GWY

Gateway Bank policy updated

3 Sep 2026 · max LVR 90% → 95% · 266de21

Policy
BYD

Beyond Bank policy updated

3 Sep 2026 · bonus / overtime shading 50% → 80% · rental shading 80% → 90% · self-employed shading 85% → 100% · casual shading 85% → 100% · 266de21

Policy
BKV

BankVic policy updated

3 Sep 2026 · assessment floor 5.25% → 7.25% · max LVR 90% → 95% · bonus / overtime shading 50% → 80% · credit-card factor 3% → 3.82% · 266de21

Policy
TMU

Teachers Mutual Bank policy updated

3 Sep 2026 · bonus / overtime shading 50% → 80% · self-employed shading 85% → 100% · casual shading 85% → 100% · 266de21

Policy
WBC

Westpac policy updated

3 Sep 2026 · rental shading 75% → 95% · 266de21

Policy
ANZ

ANZ Bank policy updated

3 Sep 2026 · HEM multiplier ×1.05 → ×1 · 89e5298

Policy
NAB

National Australia Bank policy updated

3 Sep 2026 · bonus / overtime shading 50% → 80% · 3264847

Policy
MYS

MyState Bank policy updated

3 Sep 2026 · assessment floor 5.25% → 6% · bonus / overtime shading 50% → 80% · rental shading 80% → 100% · credit-card factor 3% → 3.8% · 933391a

Policy
AWB

Auswide Bank policy updated

3 Sep 2026 · assessment floor 5.25% → 7% · 933391a

Policy
ME

ME Bank policy updated

3 Sep 2026 · assessment floor 5.25% → 5.75% · bonus / overtime shading 50% → 80% · rental shading 80% → 90% · credit-card factor 3% → 3.8% · casual shading 85% → 92.3% · 933391a

Policy
BKW

Bankwest policy updated

3 Sep 2026 · HEM multiplier ×1.05 → ×1 · 933391a

Policy
LAT

La Trobe Financial policy updated

2 Sep 2026 · assessment buffer 3% → 2% · HEM multiplier ×0.95 → ×1 · credit-card factor 2.5% → 3.8% · b01b289

Policy
AMP

AMP Bank policy updated

2 Sep 2026 · HEM multiplier ×1.05 → ×1 · b01b289

Policy
MAC

Macquarie Bank policy updated

2 Sep 2026 · HEM multiplier ×1.05 → ×1 · bonus / overtime shading 50% → 80% · b01b289

Policy
NAB

National Australia Bank policy updated

2 Sep 2026 · assessment floor 5.25% → 5.75% · HEM multiplier ×1.05 → ×1 · rental shading 75% → 80% · b01b289

Policy
LAT

La Trobe Financial policy updated

2 Sep 2026 · assessment floor 5.25% → 5.3% · e377e0f

Policy
AWB

Auswide Bank policy updated

2 Sep 2026 · bonus / overtime shading 50% → 80% · rental shading 80% → 100% · credit-card factor 3% → 3.8% · e377e0f

Policy
BKW

Bankwest policy updated

2 Sep 2026 · assessment floor 5.25% → 5.4% · rental shading 75% → 90% · e377e0f

Policy
AMP

AMP Bank policy updated

2 Sep 2026 · assessment floor 5.25% → 6.5% · bonus / overtime shading 50% → 80% · casual shading 80% → 88.5% · e377e0f

Policy
MAC

Macquarie Bank policy updated

2 Sep 2026 · assessment floor 5.25% → 5.3% · e377e0f

Policy
ANZ

ANZ Bank policy updated

2 Sep 2026 · assessment floor 5.25% → 5.1% · max LVR 95% → 92% · bonus / overtime shading 50% → 80% · rental shading 75% → 90% · e377e0f

Policy

August 2026

BFR

Bank First added to the panel

9 Aug 2026 · Variable rate 6.24% · regional · a0adf43

Added
QUD

Qudos Bank added to the panel

9 Aug 2026 · Variable rate 6.13% · regional · a0adf43

Added
BAU

Bank Australia added to the panel

9 Aug 2026 · Variable rate 6.13% · regional · a0adf43

Added
GSB

Great Southern Bank added to the panel

9 Aug 2026 · Variable rate 6.14% · regional · a0adf43

Added

July 2026

CFB

Community First Bank added to the panel

8 Jul 2026 · Variable rate 5.95% · regional · 16ac34e

Added
NRMA

NRMA Home Loans added to the panel

8 Jul 2026 · Variable rate 5.94% · nonbank · 16ac34e

Added
UTY

Unity Bank added to the panel

8 Jul 2026 · Variable rate 5.9% · regional · 16ac34e

Added
VIR

Virgin Money added to the panel

8 Jul 2026 · Variable rate 5.84% · subsidiary · 16ac34e

Added
UNL

Unloan added to the panel

8 Jul 2026 · Variable rate 5.89% · subsidiary · 16ac34e

Added
RAMS

RAMS removed from the panel

8 Jul 2026 · Closed to new applications · db14064

Removed
RATE

Rates refreshed for 40 lenders

8 Jul 2026 · 4 down, 36 up · lowest variable now 5.84% · b59031e

Rates

June 2026

AWB

Auswide Bank variable rate up to 6.09%

8 Jun 2026 · from 5.89% · ab76841

Rate
AWB

Auswide Bank added to the panel

8 Jun 2026 · Variable rate 5.89% · regional · c9558cd

Added

May 2026

PANEL

Panel launched with 42 lenders

15 May 2026 · Initial lender panel · d44247c

Launch