Rate Changes
Home loan interest rate changes
AFG Home Loans reviews the interest rates on home loans and residential investment loans, following the Reserve Bank of Australia (RBA) announcements of changes to the official cash rate. View the most recent home loan interest rate changes for your home loan below.
Changes to your home loan
The Reserve Bank of Australia has decreased the official cash rate by 0.25% p.a. to 3.60% p.a.
Please check below for details of the revised interest rates for each AFG Home Loans product as a result of this RBA change.
If you are unsure about which AFG Home Loan product you currently have, the easiest way to find out is to check your statement. If you have a query pertaining to a specific AFG Home Loan product, please contact us using the details provided in the links below.
Retro & Link
Interest rates have been reviewed.
Retro and Link will reduce all rates by 0.25% effective on 25 August 2025. We will communicate this directly to our customers over the coming days.
For more information, please contact our Client Services team on 1800 629 948 or at clientservices@afghomeloans.com.au.
Alpha
Interest rates have been reviewed.
Alpha will reduce all variable rates by 0.25% effective on 27 August 2025.
For more information, please contact our Alpha Support Team on 1300 247 033.
Bright
Interest rates have been reviewed.
Bright will reduce rates for existing customers effective 28 August across the following:
- Owner-occupier loans, including Near Prime and Expat – 0.25% decrease
- Investor loans, including Near Prime and Expat – 0.15% decrease
- All Non-Resident loans – 0.15% decrease
- Bright Lift, bridging, construction and vacant land loans will remain unchanged
For more information, please contact our Bright Support Team on 13 14 88.
Edge
Interest rates have been reviewed.
Edge will reduce all variable rates by 0.25% effective on 9 September 2025.
For more information, please contact our Edge Support Team on 1300 543 558.
Options
Interest rates have been reviewed.
Options will reduce all variable rates by 0.25% effective on 28 August 2025.
For more information, please contact our Options Support Team on 1800 184 260.
Align
Interest rates have been reviewed.
Align will reduce all variable rates by 0.25% effective 25 August 2025.
For more information, please contact Align Customer Care on 1300 163 184.
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Interest rates have been reviewed.
We’re reviewing our rates following the recent RBA announcement. Once we have determined any changes, we will publish them here and communicate them directly to our customers.
For more information, please contact 1800 467 483 or at icon@afghomeloans.com.au.
If you’re experiencing difficulties keeping up with mortgage repayments, we may be able to help you. Visit our financial hardship page for assistance.
Be in the know
We have put together two resource sheets you can use to help you navigate through some of the questions or concerns you might have about interest rates.
