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RBA Glossary definition for SVR

SVR – Standard Variable Rate

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2 May 2023
A glossary of terms used on the RBA website

The Usual Transmission – Monetary Policy and Financial Conditions

13 Aug 2019 Speech
Christopher Kent
Speech delivered by Christopher Kent, Assistant Governor (Financial Markets), to Finance & Treasury Association, Sydney

Domestic Financial Conditions

8 Nov 2019 SMP – November 2019
Lenders decreased their SVRs for investor interest-only (IO) loans by more than for other types of housing loans. ... Graph 3.10. Table 3.1: The Cash Rate and SVRs. Basis points. Cash rate change.

The Distribution of Mortgage Rates

15 Mar 2018 Bulletin – March 2018
Michelle Bergmann and Michael Tran
Graph 1. The actual interest rates paid by borrowers are typically discounted relative to SVRs. ... Dummy variables are included to capture any differences across institutions; for example, SVRs may vary across institution.

Mortgage Insights From Securitisation Data

20 Nov 2017 Speech
Marion Kohler
Speech delivered by Marion Kohler, Head of Domestic Markets Department, to the Australian Securitisation Forum, Sydney


11 Sep 2018 Bulletin
Insights into the economy and financial system from teams throughout the Reserve Bank of Australia

Domestic Financial Markets

27 Nov 2017 SMP – November 2017
Standard variable reference rates (SVR) on housing loans have been stable in recent months. ... This increase in outstanding housing interest rates is noticeably less than the increase in SVRs over that period.

Domestic Financial Conditions

27 Nov 2018 SMP – November 2018
In part, this reflects the fact that not all lenders increased their SVRs, while some of the SVR increases were not yet effective in September. ... Several smaller lenders that raised their SVRs in recent months also decreased their advertised variable

Box D: The Distribution of Variable Housing Interest Rates

8 Nov 2019 SMP – November 2019
Very few borrowers actually pay mortgage rates as high as the standard variable rate (SVR). ... The interest rates paid by most borrowers fall between the lowest advertised rate and the SVR.

The Distribution Of Mortgage Rates

17 Sep 2018 Bulletin - March 2018 PDF 431KB