Historical Interest rates in Australia

Australian Interest rates

Historical Reserve Bank ‘Cash Rate’ Interest Rates

The Australian Reserve Bank Cash Rate history can be seen at: Australian Reserve Bank Cash Rate

Historical Mortgage Interest Rates

F5 Indicator Lending Rates – Reserve Bank of Australia

Housing Loans, Banks, Standard Variable

- 5.25 % Feb-2017 : 7 months at this rate
- 5.40 % Jul-2016 : 3 months at this rate
- 5.65 % Apr-2016 : 6 months at this rate
- 5.45 % Oct-2015 : 6 months at this rate
- 5.65 % Apr-2015 : 3 months at this rate
- 5.95 % Jan-2015 : 18 months at this rate
- 6.20 % Jul-2013 : 3 months at this rate
- 6.45% Apr-2013 : 5 months at this rate
- 6.65% Nov-2012 : 2 months at this rate
- 6.85% Sep-2012 : 4 months at this rate
- 7.05% May-2012 : 1 months at this rate
- 7.40% Apr-2012 : 3 months at this rate
- 7.30% Jan-2012 : 2 months at this rate
- 7.55% Nov-2011 : 1 months at this rate
- 7.80% Oct-2011 : 12 months at this rate
- 7.40% Oct-2010 : 6 months at this rate
- 7.15% Apr-2010 : 1 months at this rate
- 6.90% Mar-2010 : 1 months at this rate
- 6.65% Feb-2010 : 3 months at this rate
- 6.30% Nov-2009 : 1 months at this rate
- 6.05% Oct-2009 : 1 months at this rate
- 5.80% Sep-2009 : 4 months at this rate
- 5.75% May-2009 : 2 months at this rate
- 5.85% Mar-2009 : 2 months at this rate
- 6.85% Jan-2009 : 2 months at this rate
- 7.75% Nov-2008 : 1 months at this rate
- 8.35% Oct-2008 : 1 months at this rate
- 9.35% Sep-2008 : 1 months at this rate
- 9.60% Aug-2008 : 2 months at this rate
- 9.45% Jun-2008 : 3 months at this rate
- 9.35% Mar-2008 : 1 months at this rate
- 9.00% Feb-2008 : 1 months at this rate
- 8.70% Jan-2008 : 1 months at this rate
- 8.55% Dec-2007 : 2 months at this rate
- 8.30% Oct-2007 : 3 months at this rate
- 8.05% Jul-2007 : 9 months at this rate
- 7.80% Oct-2006 : 3 months at this rate
- 7.55% Jul-2006 : 3 months at this rate
- 7.30% Apr-2006 : 14 months at this rate
- 7.05% Feb-2005 : 15 months at this rate
- 6.80% Nov-2003 : 1 months at this rate
- 6.55% Oct-2003 : 17 months at this rate
- 6.30% May-2002 : 1 months at this rate
- 6.05% Apr-2002 : 5 months at this rate
- 6.30% Nov-2001 : 2 months at this rate
- 6.55% Sep-2001 : 1 months at this rate
- 6.80% Aug-2001 : 5 months at this rate
- 7.30% Mar-2001 : 1 months at this rate
- 7.55% Feb-2001 : 1 months at this rate
- 8.05% Jan-2001 : 6 months at this rate
- 7.80% Jul-2000 : 3 months at this rate
- 7.55% Apr-2000 : 1 months at this rate
- 7.30% Mar-2000 : 2 months at this rate
- 6.80% Jan-2000 : 3 months at this rate
- 6.55% Oct-1999 : 4 months at this rate
- 6.50% Jun-1999 : 7 months at this rate
- 6.70% Nov-1998 : 16 months at this rate
- 7.20% Jul-1997 : 3 months at this rate
- 7.55% Apr-1997 : 3 months at this rate
- 8.25% Jan-1997 : 2 months at this rate
- 8.75% Nov-1996 : 1 months at this rate
- 9.25% Oct-1996 : 3 months at this rate
- 9.75% Jul-1996 : 2 months at this rate
- 10.50% May-1996 : 18 months at this rate
- 9.55% Nov-1994 : 1 months at this rate
- 9.50% Oct-1994 : 2 months at this rate
- 8.75% Aug-1994 : 12 months at this rate
- 9.50% Aug-1993 : 4 months at this rate
- 10.00% Apr-1993 : 9 months at this rate
- 10.50% Jul-1992 : 2 months at this rate
- 11.00% May-1992 : 4 months at this rate
- 12.00% Jan-1992 : 2 months at this rate
- 12.50% Nov-1991 : 2 months at this rate
- 13.00% Sep-1991 : 4 months at this rate
- 14.00% May-1991 : 1 months at this rate
- 14.50% Apr-1991 : 4 months at this rate
- 15.00% Dec-1990 : 1 months at this rate
- 15.50% Nov-1990 : 1 months at this rate
- 16.00% Oct-1990 : 1 months at this rate
- 16.25% Sep-1990 : 1 months at this rate
- 16.50% Aug-1990 : 5 months at this rate
- 17.00% Mar-1990 : 10 months at this rate
- 16.00% May-1989 : 3 months at this rate
- 15.50% Feb-1989 : 1 months at this rate
- 15.00% Jan-1989 : 2 months at this rate
- 14.50% Nov-1988 : 5 months at this rate
- 13.50% Jun-1988 : 5 months at this rate
- 14.00% Jan-1988 : 3 months at this rate
- 14.50% Oct-1987 : 1 months at this rate
- 15.00% Sep-1987 : 2 months at this rate
- 15.50% Jul-1987 : 16 months at this rate
- 13.50% Mar-1986 : 6 months at this rate
- 13.00% Sep-1985 : 1 months at this rate
- 12.50% Aug-1985 : 2 months at this rate
- 12.00% Jun-1985 : 3 months at this rate
- 11.50% Mar-1985 : 15 months at this rate
- 12.00% Dec-1983 : 4 months at this rate
- 12.50% Aug-1983 : 7 months at this rate
- 13.50% Jan-1983 : 10 months at this rate
- 13.00% Mar-1982 : 1 months at this rate
- 12.50% Feb-1982 : 5 months at this rate
- 12.00% Sep-1981 : 2 months at this rate
- 11.50% Jul-1981 : 7 months at this rate
- 11.00% Dec-1980 : 1 months at this rate
- 10.25% Nov-1980 : 5 months at this rate
- 9.88% Jun-1980 : 3 months at this rate
- 9.63% Mar-1980 : 1 months at this rate
- 9.13% Feb-1980 : 15 months at this rate
- 9.38% Nov-1978 : 10 months at this rate
- 9.63% Jan-1978 : 1 months at this rate
- 9.88% Dec-1977 : 23 months at this rate
- 10.38% Jan-1976 : 5 months at this rate
- 10.13% Aug-1975 : 5 months at this rate
- 10.38% Mar-1975 : 9 months at this rate
- 8.38% Jun-1974 : 9 months at this rate
- 7.00% Sep-1973 : 20 months at this rate
- 7.25% Jan-1972 : 22 months at this rate
- 5.88% Mar-1970 : 20 months at this rate
- 5.38% Jul-1968 : 40 months at this rate
- 5.13% Mar-1965 : 10 months at this rate
- 5.00% May-1964 : 14 months at this rate
- 5.50% Mar-1963 : 27 months at this rate
- 5.00% Dec-1960 : 24 months at this rate

The above rates show the following:

Mortgage Interest rates during the terms of the 4 governments between 1972 and 2007 have been:

- 1972 – 1975 : rates went UP from 7% to 10.38% (up 3.38%)
- 1975 – 1983 : rates went UP from 10.38% to 12.5% (up 2.12%)
- 1983 – 1996 : rates went DOWN from 12.5% to 10.5% (down 2.00%)
- 1996 – 2007 : rates went DOWN from 10.5% to 8.55% (down 1.95%)

The average mortgage interest rates during the two government terms between 1983 and 2007 were: