Indicator lending rates, Reserve Bank of Australia
liveStatistical table F5, Indicator Lending Rates, from the Reserve Bank of Australia. One row per month end from 31 January 1959 with the rate, per cent per annum, on standard, discounted, interest-only and three year fixed housing loans from banks for owner-occupiers and investors, on mortgage manager housing loans, on standard and low rate credit cards, on fixed and variable unsecured personal loans, home equity and margin loans, on small business term, overdraft and fixed loans, on large business credit outstanding, and the average outstanding variable rate on securitised housing loans.
Also called: Table F5 Indicator Lending Rates, Standard variable home loan rate history, Mortgage interest rates history Australia, Credit card interest rates RBA, Small business lending rates.
- What is an indicator lending rate?
- The advertised, or indicator, rate at the end of each month for a standard product from a sample of lenders: standard and discounted variable and three year fixed housing loans for owner-occupiers and investors, credit cards, unsecured personal loans, margin and home equity loans, and small and large business loans. The RBA describes them as indicative and likely to be revised. The series began at different dates, so early rows have many null cells.
- Which series come from other sources?
- The weighted average rates on small and large business credit outstanding are compiled by APRA, and the average outstanding rates on securitised housing loans come from the RBA Securitisation System. Each field description names its source as the RBA states it.
- Under what licence is RBA data republished here?
- The RBA excludes its numerical data from the CC BY 4.0 licence that covers the rest of its site, and instead permits it to be used, reproduced, published and communicated to the public for personal or commercial use under sections 4 and 5 of its copyright notice, with attribution and no claim of endorsement. The RBA does not endorse this site or any use of this data, and it publishes the same figures free of charge at rba.gov.au. Every file here carries that attribution.
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Any agent that connects to publicdata.au/mcp can find this dataset, read its 31 fields, count and filter across all 812 rows and diff its versions. Every answer names the version and carries RBA's attribution. No key.
Then ask it: What does Indicator lending rates, Reserve Bank of Australia hold, and what changed in the newest version?
claude mcp add --transport http publicdata https://publicdata.au/mcpOne command. No key, no account, no sign-up.
Settings, then Connectors, then Add custom connector, and paste https://publicdata.au/mcp.
On the web and in the desktop app.
https://publicdata.au/mcpStreamable HTTP. Cursor, VS Code or any client that connects to a remote MCP server.
Using https://publicdata.au/llms.txt, how many people died on Queensland roads in 2025, by month?For an assistant that reads the web and has no connector.
The dashboard above, live. Click to filter, add panels, share a link or embed a frame.
Query APIFilter and count from a URLaggregate?group=date&metric=avg.housing_bank_variable_standard_owner_occupier&date=eq.2026-08-31
Banks' standard variable home loan rate for owner-occupiers at the newest month end (%): 8.77 2026-08-31.
Download it as Excel, CSV, JSON and 6 more formats
Pick a format and a version. Excel is picked first because it opens in the tools most offices have. The URL is yours to keep. A dated version never changes.
In your own tools
Use it in Excel, R, Python and more
Excel and Power BI read the CSV from its address and refresh from it. The R and Python packages take any dataset on this site by its slug, so a new dataset needs no new release. The DuckDB file attaches read-only over HTTPS, and a query reads only the blocks it touches.
The dated URL in the code never changes. https://publicdata.au/d/rba-indicator-lending-rates/latest/ redirects to the newest version.
https://publicdata.au/d/rba-indicator-lending-rates/latest/data.csvIn Excel choose Data, then From Web, and paste this address. Excel keeps it, so Refresh All reads the newest version. A sheet holds about a million rows; past that, load the query to the Data Model.
https://publicdata.au/d/rba-indicator-lending-rates/latest/data.csvIn Power BI Desktop choose Get data, then Web, paste this address and choose Anonymous when asked how to sign in. A scheduled refresh reads the same address, so the report follows each new version.
library(publicdataau)
df <- pd_read("rba-indicator-lending-rates")
pd_attribution(df)install.packages("publicdataau"). pd_read() fetches the version's Parquet file; pd_rows() and pd_aggregate() ask the query API instead, and pd_connect() attaches the DuckDB file.
import publicdata_au as pd_au
df = pd_au.read("rba-indicator-lending-rates")
df.attrs["publicdata"]["attribution"]pip install "publicdata-au[pandas]". read() fetches the version's Parquet file; rows() and aggregate() ask the query API, and connect() attaches the DuckDB file.
INSTALL httpfs; LOAD httpfs;
ATTACH 'https://publicdata.au/d/rba-indicator-lending-rates/v/2026-09-07/data.duckdb' AS rba_indicator_lending_rates (READ_ONLY);
SELECT date, count(*) FROM rba_indicator_lending_rates.records GROUP BY 1 ORDER BY 2 DESC;The DuckDB file attaches read-only over HTTPS and only the blocks a query touches are read. Parquet works the same way: FROM read_parquet(url).
const res = await fetch("https://publicdata.au/api/v1/datasets/rba-indicator-lending-rates/aggregate?group=date&metric=avg.housing_bank_variable_standard_owner_occupier&date=eq.2026-08-31");
const { rows, publicdata } = await res.json();
console.log(rows, publicdata.attribution);The query API answers a page on any site as well as Node, with no key. It returns the rows and the attribution the licence asks for.
What is in it
Column names are made snake_case and the publisher's original header is kept beside each one. Blank cells are null. Nothing is added, removed, ranked or summarised.
| Field | Type | Publisher's header | Note |
|---|---|---|---|
| date | date | Series ID | The date of the observation. |
| small_business_variable_term | number | FILRSBVRT | Lending rates; Small business; Variable; Term. Units: Per cent per annum. RBA series FILRSBVRT, source RBA. |
| small_business_variable_overdraft | number | FILRSBVOO | Lending rates; Small business; Variable; Overdraft. Units: Per cent per annum. RBA series FILRSBVOO, source RBA. |
| housing_bank_variable_standard_owner_occupier | number | FILRHLBVS | Lending rates; Housing loans; Banks; Variable; Standard; Owner-occupier. Units: Per cent per annum. RBA series FILRHLBVS, source RBA. |
| housing_bank_variable_discounted_owner_occupier | number | FILRHLBVD | Lending rates; Housing loans; Banks; Variable; Discounted; Owner-occupier. Units: Per cent per annum. RBA series FILRHLBVD, source RBA. |
| housing_bank_variable_interest_only_owner_occupier | number | FILRHLBVO | Lending rates; Housing loans; Banks; Variable; Standard interest-only; Owner-occupier. Units: Per cent per annum. RBA series FILRHLBVO, source RBA. |
| housing_bank_3yr_fixed_owner_occupier | number | FILRHL3YF | Lending rates; Housing loans; Banks; 3-year fixed; Owner-occupier. Units: Per cent per annum. RBA series FILRHL3YF, source RBA. |
| housing_bank_variable_standard_investor | number | FILRHLBVSI | Lending rates; Housing loans; Banks; Variable; Standard; Investor. Units: Per cent per annum. RBA series FILRHLBVSI, source RBA. |
| housing_bank_variable_discounted_investor | number | FILRHLBVDI | Lending rates; Housing loans; Banks; Variable; Discounted; Investor. Units: Per cent per annum. RBA series FILRHLBVDI, source RBA. |
| housing_bank_variable_interest_only_investor | number | FILRHLBVDO | Lending rates; Housing loans; Banks; Variable; Standard interest-only; Investor. Units: Per cent per annum. RBA series FILRHLBVDO, source RBA. |
| housing_bank_3yr_fixed_investor | number | FILRHL3YFI | Lending rates; Housing loans; Banks; 3-year fixed; Investor. Units: Per cent per annum. RBA series FILRHL3YFI, source RBA. |
| credit_card_standard | number | FILRPLRCCS | Lending rates; Personal loans; Revolving credit; Credit cards; Standard rate. Units: Per cent per annum. RBA series FILRPLRCCS, source RBA. |
| credit_card_low_rate | number | FILRPLRCCL | Lending rates; Personal loans; Revolving credit; Credit cards; Low rate. Units: Per cent per annum. RBA series FILRPLRCCL, source RBA. |
| small_business_variable_other_term | number | FILRSBVOT | Lending rates; Small business; Variable; Other; Term. Units: Per cent per annum. RBA series FILRSBVOT, source RBA. |
| small_business_variable_residential_secured_overdraft | number | FILRSBVRO | Lending rates; Small business; Variable; Residential-secured; Overdraft. Units: Per cent per annum. RBA series FILRSBVRO, source RBA. |
| small_business_variable_small_overdraft | number | FILRSBVSO | Lending rates; Small business; Variable; Small overdraft. Units: Per cent per annum. RBA series FILRSBVSO, source RBA. |
| small_business_weighted_average_outstanding | number | FILRSBVWA | Lending rates; Small business; Variable; Weighted-average rate on credit outstanding. Units: Per cent per annum. RBA series FILRSBVWA, source APRA. |
| small_business_3yr_fixed | number | FILRSB3YF | Lending rates; Small business; 3-year fixed. Units: Per cent per annum. RBA series FILRSB3YF, source RBA. |
| large_business_weighted_average_variable | number | FILRLBWAV | Lending rates; Large business; Weighted-average rate on credit outstanding; Variable. Units: Per cent per annum. RBA series FILRLBWAV, source APRA. |
| large_business_weighted_average_bills | number | FILRLBWAB | Lending rates; Large business; Weighted-average rate on credit outstanding; Bills. Units: Per cent per annum. RBA series FILRLBWAB, source APRA. |
| personal_unsecured_fixed | number | FILRPLTUF | Lending rates; Personal loans; Term loans (unsecured); Fixed. Units: Per cent per annum. RBA series FILRPLTUF, source RBA. |
| personal_unsecured_variable | number | FILRPLTUV | Lending rates; Personal loans; Term loans (unsecured); Variable. Units: Per cent per annum. RBA series FILRPLTUV, source RBA. |
| home_equity_loans | number | FILRPLRCHE | Lending rates; Personal loans; Revolving credit; Home equity loans. Units: Per cent per annum. RBA series FILRPLRCHE, source RBA. |
| margin_loans | number | FILRPLRCML | Lending rates; Personal loans; Revolving credit; Margin loans. Units: Per cent per annum. RBA series FILRPLRCML, source RBA. |
| housing_mortgage_manager_variable_standard | number | FILRHLMMS | Lending rates; Housing loans; Mortgage managers; Variable; Standard. Units: Per cent per annum. RBA series FILRHLMMS, source RBA. |
| housing_mortgage_manager_variable_basic | number | FILRHLMMB | Lending rates; Housing loans; Mortgage managers; Variable; Basic. Units: Per cent per annum. RBA series FILRHLMMB, source RBA. |
| securitised_housing_average_variable | number | FILRSAVR | Lending rates; Securitised housing loans; Average outstanding variable rate. Units: Per cent per annum. RBA series FILRSAVR, source RBA; Securitisation System. |
| securitised_housing_owner_occupier_principal_interest | number | FILRSAVOPI | Lending rates; Securitised housing loans; Average outstanding variable rate; Owner-occupier; Principal & Interest. Units: Per cent per annum. RBA series FILRSAVOPI, source RBA; Securitisation System. |
| securitised_housing_owner_occupier_interest_only | number | FILRSAVOI | Lending rates; Securitised housing loans; Average outstanding variable rate; Owner-occupier; Interest Only. Units: Per cent per annum. RBA series FILRSAVOI, source RBA; Securitisation System. |
| securitised_housing_investor_principal_interest | number | FILRSAVIPI | Lending rates; Securitised housing loans; Average outstanding variable rate; Investor; Principal & Interest. Units: Per cent per annum. RBA series FILRSAVIPI, source RBA; Securitisation System. |
| securitised_housing_investor_interest_only | number | FILRSAVIIO | Lending rates; Securitised housing loans; Average outstanding variable rate; Investor; Interest Only. Units: Per cent per annum. RBA series FILRSAVIIO, source RBA; Securitisation System. |
Download this table as a data dictionary (Excel), or read it as a Frictionless Table Schema at schema.json. The key is date.
A sample of 10 rows
From the latest version, newest first by date, then in the publisher's order, with every field. A blank cell is shown as null.
| date | small_business_variable_term | small_business_variable_overdraft | housing_bank_variable_standard_owner_occupier | housing_bank_variable_discounted_owner_occupier | housing_bank_variable_interest_only_owner_occupier | housing_bank_3yr_fixed_owner_occupier | housing_bank_variable_standard_investor | housing_bank_variable_discounted_investor | housing_bank_variable_interest_only_investor | housing_bank_3yr_fixed_investor | credit_card_standard | credit_card_low_rate | small_business_variable_other_term | small_business_variable_residential_secured_overdraft | small_business_variable_small_overdraft | small_business_weighted_average_outstanding | small_business_3yr_fixed | large_business_weighted_average_variable | large_business_weighted_average_bills | personal_unsecured_fixed | personal_unsecured_variable | home_equity_loans | margin_loans | housing_mortgage_manager_variable_standard | housing_mortgage_manager_variable_basic | securitised_housing_average_variable | securitised_housing_owner_occupier_principal_interest | securitised_housing_owner_occupier_interest_only | securitised_housing_investor_principal_interest | securitised_housing_investor_interest_only |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026-08-31 | 9 | 10.76 | 8.77 | 6.8 | 9.29 | 6.74 | 9.35 | 7.13 | 9.59 | 6.82 | 20.99 | 13.49 | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null |
| 2026-07-31 | 9 | 10.76 | 8.77 | 6.8 | 9.29 | 6.74 | 9.35 | 7.13 | 9.59 | 6.82 | 20.99 | 13.49 | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null |
| 2026-06-30 | 9 | 10.76 | 8.77 | 6.8 | 9.29 | 6.74 | 9.35 | 7.13 | 9.59 | 6.82 | 20.99 | 13.49 | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null |
| 2026-05-31 | 9 | 10.76 | 8.77 | 6.8 | 9.29 | 6.73 | 9.35 | 7.13 | 9.59 | 6.83 | 20.99 | 13.49 | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null |
| 2026-04-30 | 8.75 | 10.51 | 8.52 | 6.55 | 9.04 | 6.73 | 9.1 | 6.88 | 9.34 | 6.83 | 20.99 | 13.49 | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null |
| 2026-03-31 | 8.75 | 10.51 | 8.52 | 6.55 | 9.04 | 6.39 | 9.1 | 6.88 | 9.34 | 6.49 | 20.99 | 13.49 | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null |
| 2026-02-28 | 8.5 | 10.26 | 8.27 | 6.3 | 8.79 | 6.24 | 8.85 | 6.63 | 9.09 | 6.34 | 20.99 | 13.49 | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null |
| 2026-01-31 | 8.25 | 10.01 | 8.02 | 6.05 | 8.54 | 5.99 | 8.6 | 6.38 | 8.84 | 6.13 | 20.99 | 13.49 | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null |
| 2025-12-31 | 8.25 | 10.01 | 8.02 | 6.05 | 8.54 | 5.77 | 8.6 | 6.38 | 8.84 | 5.94 | 20.99 | 13.49 | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null |
| 2025-11-30 | 8.25 | 10.01 | 8.02 | 6.05 | 8.54 | 5.56 | 8.6 | 6.38 | 8.84 | 5.75 | 20.99 | 13.49 | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null | null |
The first row as JSON
As it appears in data.json.
GET https://publicdata.au/d/rba-indicator-lending-rates/latest/data.json
{
"date": "1959-01-31",
"small_business_variable_term": null,
"small_business_variable_overdraft": null,
"housing_bank_variable_standard_owner_occupier": 5.0,
"housing_bank_variable_discounted_owner_occupier": null,
"housing_bank_variable_interest_only_owner_occupier": null,
"housing_bank_3yr_fixed_owner_occupier": null,
"housing_bank_variable_standard_investor": null,
"housing_bank_variable_discounted_investor": null,
"housing_bank_variable_interest_only_investor": null,
"housing_bank_3yr_fixed_investor": null,
"credit_card_standard": null,
"credit_card_low_rate": null,
"small_business_variable_other_term": null,
"small_business_variable_residential_secured_overdraft": null,
"small_business_variable_small_overdraft": null,
"small_business_weighted_average_outstanding": null,
"small_business_3yr_fixed": null,
"large_business_weighted_average_variable": null,
"large_business_weighted_average_bills": null,
"personal_unsecured_fixed": null,
"personal_unsecured_variable": null,
"home_equity_loans": null,
"margin_loans": null,
"housing_mortgage_manager_variable_standard": null,
"housing_mortgage_manager_variable_basic": null,
"securitised_housing_average_variable": null,
"securitised_housing_owner_occupier_principal_interest": null,
"securitised_housing_owner_occupier_interest_only": null,
"securitised_housing_investor_principal_interest": null,
"securitised_housing_investor_interest_only": null
}
Query it without downloading
The query API returns only the rows you ask for, as JSON, NDJSON or CSV, from the same typed rows as the files. It needs no key. Build a query here and run it, then copy the URL or the code into your own work.
How filters work
Each filter is field=operator.value in the query string, and every filter must match. A number or date field compares as a number or date, and a text field compares as text. Values are case-sensitive except with ilike. Prefix not. to negate a filter, as not.eq.value.
| Operator | What it matches |
|---|---|
| eq.value | Equal to the value. |
| neq.value | Not equal to the value. A blank cell does not match. |
| gt.value | Greater than the value. |
| gte.value | Greater than or equal to the value. |
| lt.value | Less than the value. |
| lte.value | Less than or equal to the value. |
| like.*text* | Matches a pattern where * stands for any run of characters. Case-sensitive. |
| ilike.*text* | The same as like, ignoring case. |
| in.(a,b,c) | Equal to any value in the list. A value cannot contain a comma. |
| is.null | Blank in the source, or suppressed by the publisher. |
| Parameter | What it does |
|---|---|
| select | Fields to return, comma-separated. Every field when absent. |
| order | field.asc or field.desc, comma-separated. The publisher's row order when absent. |
| limit | Rows per page, 1 to 10,000. 100 when absent. |
| offset | Rows to skip. The next URL in each answer sets it for you. |
| group | On aggregate, fields to group by, comma-separated. |
| metric | On aggregate, count, sum.field, avg.field, min.field or max.field, comma-separated. count when absent. |
| format | json, ndjson or csv. JSON carries the provenance header, and the others carry it in response headers. |
Without a version the API answers from the newest loaded version, and that answer changes when the publisher releases again. Put versions/<date>/ before rows or aggregate for an answer that never changes. /api/v1/datasets/<slug>/versions lists the loaded versions. The 1 newest version is loaded; versions lists them.
The API allows 60 requests in 10 seconds from one address. Above that it answers 429 for 10 seconds with a Retry-After header, a RateLimit-Policy header and a JSON body that gives the limit. Every API answer carries the same RateLimit-Policy. A client should wait the Retry-After seconds, or read the files, which have no limit. openapi.json describes this dataset's query paths for client generators and agents.
https://publicdata.au/mcp is a remote MCP server over Streamable HTTP with the same tools, defined in the same place, so a tool added to the pages is added here too. It needs no key and no account. The row tools are held to the query API's limit of 60 queries in 10 seconds from one address, and each call is two queries because it also counts the matching rows. Add it to Claude Code with claude mcp add --transport http publicdata https://publicdata.au/mcp, add the URL in Claude as a custom connector, or give it to any client that connects to remote MCP servers. Each queryable dataset is also a resource at https://publicdata.au/d/<slug>/fields.json, which lists its fields with their types, the publisher's descriptions, their ranges and the values they hold, so an agent can read a dataset's shape before it writes a query.
What changed
One version for every release the publisher has made since this site started following the dataset. The date is the day the file changed on the portal.
- 2026-09-07 812 rows31 fieldsutf-8-sig6e4643a9f7a2
versions.json · changes.json · history.tar.zst (26 KB, every version's Parquet and manifest)
Questions
How do I download Indicator lending rates as a CSV file?
Open https://publicdata.au/d/rba-indicator-lending-rates/latest/data.csv. It redirects to the newest dated version, which is https://publicdata.au/d/rba-indicator-lending-rates/v/2026-09-07/data.csv today. The same path serves Excel, JSON, Parquet, SQLite, DuckDB, NDJSON, Arrow. A dated URL never changes, so use it when the file must stay the same.
Can I open Indicator lending rates in Excel?
Yes. https://publicdata.au/d/rba-indicator-lending-rates/v/2026-09-07/data.xlsx is a workbook with the 812 rows on a records sheet, the field list on a second sheet and the provenance on a third. The CSV also opens in Excel. https://publicdata.au/d/rba-indicator-lending-rates/v/2026-09-07/data.csv.gz is the CSV at about a tenth of the size.
What years does Indicator lending rates cover?
The current version covers 1959 to 2025. Each release from RBA becomes a new dated version here, and earlier versions stay online.
How often is Indicator lending rates updated?
RBA releases it monthly. This site checks the portal every week and adds a dated version when the file changes.
Can I use Indicator lending rates commercially?
Yes. RBA copyright notice allows commercial use, redistribution and derived works as long as the attribution is kept. The attribution string is in this page's side column and inside every file.
Is this the official source for Indicator lending rates?
No. The publisher is Reserve Bank of Australia, and its page is https://www.rba.gov.au/copyright/. This site republishes the publisher's file without changing its content. The original sits beside every version as source.csv with its SHA-256, so the two can be compared.
What this site did to the data. Cells were typed, headers were renamed and the encoding was made UTF-8. Rows were left alone. The publisher's file sits beside every version as source.csv so the change can be checked.