Here are the changes the main banks have made to retail interest rates on Thursday, July 23, 2026

Here are the changes the main banks have made to retail interest rates on Thursday, July 23, 2026, so far.

For home loans:

Bank of Queensland has trimmed its wto and three year fixed rates for owner occupiers and investors by between -11 bps and -40 bps and this applies to both P&I loans and interest-only loans. BOQ's "Offer" specials are among the lowest fixed rates for these terms in the market at this time, and are marginally better now, after this trimming.

For savings accounts:

No changes to report today.

For term deposits:

No changes here either.