In the absence of a cash rate increase in June, lenders made modest adjustments to their variable mortgage rates – mostly increases. Fixed rates went up by much more. Mozo reported that among the big banks, ANZ increased the variable rates on its Simplicity Plus range by 10 to 15 basis points and raised fixed rates across the range. It put up its two-year rate by 55 bps. Commonwealth Bank increased its Extra Home Loan rates by 3 to 5 bps and increased fixed rates by 40 to 65 bps. NAB increased the lowest rate on its Base Variable Rate Home Loan Special Offer by 10 bps and increased fixed rates by 35 to 50 bps. Westpac increased its one-year rate by 30 bps and its two-year rate by 40 bps. Among other lenders Macquarie increased variable rates by 5 to 11 bps and fixed rates by 35 to 50 bps. Bendigo Bank increased variable rates by 20 bps.  One of the few lenders to cut rates was ING, reducing variable rates by 10 to 15 bps. The rate leaders in the Mozo database include G&C Mutual Bank, which is advertising a 5.49 per cent variable rate for owner occupiers; and Easy Street, which has a 5.79 per cent variable rate for investors. The Capricornian is offering 5.45 per cent for one year, and Australian Mutual Bank is offering 5.23 per cent for two years and 5.33 per cent for three years. Qudos Bank has a 5.84 per cent offer for four years and RACQ bank 5.54 per cent for five years.