--- title: Indicator lending rates, Reserve Bank of Australia resource: https://publicdata.au/d/rba-indicator-lending-rates/ publisher: Reserve Bank of Australia licence: RBA copyright notice licence_url: https://www.rba.gov.au/copyright/ version: 2026-09-07 rows: 812 fields: 31 source: https://www.rba.gov.au/statistics/tables/csv/f5-data.csv source_sha256: 6e4643a9f7a2083a8f80b069a25ffafad6b6da59ab636f9037bedf5df2b43576 language: en-AU operator: National Digital not_endorsed: true --- # Indicator lending rates, Reserve Bank of Australia Advertised housing, personal and business lending rates at the end of each month since January 1959, including the standard variable home loan rate, credit card rates and small business rates. Updated monthly. Published by Reserve Bank of Australia under RBA copyright notice and republished here in other formats, with cells typed and suppressed values made null. Reserve Bank of Australia has not endorsed this site. 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. ## Download Latest version, redirects to `https://publicdata.au/d/rba-indicator-lending-rates/v/2026-09-07/`: - csv: https://publicdata.au/d/rba-indicator-lending-rates/latest/data.csv (66 KB) - xlsx: https://publicdata.au/d/rba-indicator-lending-rates/latest/data.xlsx (50 KB) - json: https://publicdata.au/d/rba-indicator-lending-rates/latest/data.json (1.1 MB) - parquet: https://publicdata.au/d/rba-indicator-lending-rates/latest/data.parquet (38 KB) - sqlite: https://publicdata.au/d/rba-indicator-lending-rates/latest/data.sqlite (156 KB) - duckdb: https://publicdata.au/d/rba-indicator-lending-rates/latest/data.duckdb (300 KB) - ndjson: https://publicdata.au/d/rba-indicator-lending-rates/latest/data.ndjson (1.1 MB) - arrow: https://publicdata.au/d/rba-indicator-lending-rates/latest/data.arrow (30 KB) - csv.gz: https://publicdata.au/d/rba-indicator-lending-rates/latest/data.csv.gz (12 KB) Pinned version 2026-09-07: `https://publicdata.au/d/rba-indicator-lending-rates/v/2026-09-07/data.`. Dated versions never change. ## Query 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. Rows: https://publicdata.au/api/v1/datasets/rba-indicator-lending-rates/rows. Counts and sums: https://publicdata.au/api/v1/datasets/rba-indicator-lending-rates/aggregate. - Rows: https://publicdata.au/api/v1/datasets/rba-indicator-lending-rates/rows?date=eq.2026-08-31&limit=5 - Aggregate: 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 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`. Operators: `eq.value`, `neq.value`, `gt.value`, `gte.value`, `lt.value`, `lte.value`, `like.*text*`, `ilike.*text*`, `in.(a,b,c)`, `is.null`. - `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//` before `rows` or `aggregate` for an answer that never changes. `/api/v1/datasets//versions` lists the loaded versions. 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 for this dataset: https://publicdata.au/d/rba-indicator-lending-rates/openapi.json ## Explore Charts and dashboards in the browser: https://publicdata.au/d/rba-indicator-lending-rates/explore/. A dashboard can be shared as a link or embedded. ## Fields | 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. | Key: `date`. ## Versions - 2026-09-07: 812 rows, 31 fields, sha256 6e4643a9f7a2. https://publicdata.au/d/rba-indicator-lending-rates/v/2026-09-07/ Machine-readable: https://publicdata.au/d/rba-indicator-lending-rates/versions.json, https://publicdata.au/d/rba-indicator-lending-rates/changes.json, https://publicdata.au/d/rba-indicator-lending-rates/datapackage.json, https://publicdata.au/d/rba-indicator-lending-rates/schema.json, https://publicdata.au/d/rba-indicator-lending-rates/history.tar.zst ## Same subject, other publishers - [Daily fuel prices by service station, Northern Territory, 2017 to 2024](https://publicdata.au/d/nt-fuel-prices-history/) (NT) - [Fuel price changes at every service station, Queensland, latest month](https://publicdata.au/d/qld-fuel-prices/) (Qld) - [Petroleum and gas reserves by field, Queensland](https://publicdata.au/d/qld-petroleum-gas-reserves/) (Qld) - [Liquor and gaming licences, South Australia, September 2018](https://publicdata.au/d/sa-liquor-gaming-licences-2018/) (SA) - [Poker machine expenditure by venue, Victoria, 2008-09 to 2021-22](https://publicdata.au/d/vic-gaming-expenditure-by-venue-history/) (Vic) ## Attribution and citation Source: Reserve Bank of Australia, statistical table F5 Indicator Lending Rates, sourced 30 September 2026 from https://www.rba.gov.au/statistics/tables/, republished under sections 4 and 5 of the RBA copyright notice, https://www.rba.gov.au/copyright/. The RBA does not endorse this site or any use of this data. The RBA publishes this data free of charge at rba.gov.au. Three business lending series are sourced by the RBA from the Australian Prudential Regulation Authority under CC BY 3.0 AU, and the securitised housing loan series from the RBA Securitisation System. The licence requires the publisher's attribution. We ask that you also name publicdata.au and link to the version you used. Plain text: Source: Reserve Bank of Australia, statistical table F5 Indicator Lending Rates, sourced 30 September 2026 from https://www.rba.gov.au/statistics/tables/, republished under sections 4 and 5 of the RBA copyright notice, https://www.rba.gov.au/copyright/. The RBA does not endorse this site or any use of this data. The RBA publishes this data free of charge at rba.gov.au. Three business lending series are sourced by the RBA from the Australian Prudential Regulation Authority under CC BY 3.0 AU, and the securitised housing loan series from the RBA Securitisation System. Serialised and versioned by National Digital at publicdata.au, https://publicdata.au/d/rba-indicator-lending-rates/v/2026-09-07/ Harvard: Reserve Bank of Australia (2026) Indicator lending rates, Reserve Bank of Australia, version 2026-09-07 [data set], RBA copyright notice, sourced 30 September 2026. Serialised and versioned by National Digital at publicdata.au. Available at: https://publicdata.au/d/rba-indicator-lending-rates/v/2026-09-07/ Markdown: Data: [Indicator lending rates, Reserve Bank of Australia](https://www.rba.gov.au/copyright/), Reserve Bank of Australia, [RBA copyright notice](https://www.rba.gov.au/copyright/), sourced 30 September 2026. Files: [publicdata.au](https://publicdata.au/d/rba-indicator-lending-rates/v/2026-09-07/) by [National Digital](https://nationaldigital.com.au/). ## 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 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. ## What this site did to the data Cells were typed, headers were renamed to snake_case and the encoding was made UTF-8. Rows were left alone. Nothing is derived. The publisher's file is beside every version as `source.csv`. ## Improve this dataset This page is built from [register/rba-indicator-lending-rates.yaml](https://github.com/National-Digital/publicdata.au/blob/main/register/rba-indicator-lending-rates.yaml) on GitHub, and a fix to it is welcome as a pull request. https://publicdata.au/contribute/ explains how.