Yesterday ANZ and the Commonwealth Bank joined Westpac as the latest big banks to push up variable home loan interest rates. ANZ announced a 0.16 per cent interest rate rise, while the Commonwealth Bank lifted home loan rates by 0.15 per cent. Westpac, the first of the majors to hazard an "out of cycle" rate rise, had been left on a limb by its three big peers for more than a week, since the end of August, amid calculations by Goldman Sachs analyst Andrew Lyons that the 14 basis point rate rise on owner-occupier and investor mortgages could boost the bank's cash earnings in 2019 by more than $300 million, and boost cash earnings by up to 4 per cent.Likewise, the decision by CBA and ANZ to raise their mortgage rates by an extra basis point or two over Westpac is likely to boost their revenues even further. Estimates compiled by comparison site Mozo put the Commonwealth Bank's extra interest earnings at $568 million over the coming year, while ANZ will earn $373 million in additional interest. Calculations from Mozo.com.au show the decision by CBA and ANZ will increase the cost of a "typical" metropolitan home loan by around $79 a month. (Unlike the majority of financial services firms, the comparison website's definition is based on an $800,000 30-year principal and interest home loan.)   Meanwhile, several other banks have lifted their mortgage rates, actions that have largely gone unnoticed. An Australian Broker report said rate changes were seen in over 35 home loan products in the week leading up to Westpac's action.The regionals Suncorp and Adelaide bank raised home loan rates by 17 and 12 points respectively, in the final week of August.Australian Broker tracked other rate changes in over 35 home loan products, starting at Heritage, with rate rises of 14 bps for some products fully absorbed by the producer), CUA: increases of 0.25 per cent; and Greater Bank: variable rate products up by nine bps.Other lenders, mostly at the small end of the list, went after market share - for example, Goldfields Money cut the standard home loan rate for its owner-occupier loans from 4.75 per cent to 4.49 per cent; and IMB cut its accelerator - owner occupied two year rate from 3.82 per cent to 3.59 per cent."The big banks have been noticeably more strategic about the timing of their hikes this time around against the backdrop of the banking royal commission. It's only a matter of time until NAB joins the fray," said Kirsty Lamont, director at Mozo.The current cycle of residential mortgage sector rate rises is likely to pre-empt any moves by the Reserve Bank of Australia Board towards lifting official rates off the agenda for the next few cycles.