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Wholesale rates are getting the blame for the fact that two weeks after the official cash rate was cut, one major bank has increased some of its fixed-term home loan rates.

Westpac said on Tuesday it was increasing its home loans over two- to five-year terms by 30 basis points.

That takes a two-year fix to 4.75 percent.

At the same time, it is reducing its six-month rate by 20 basis points, to 4.69 percent.

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Before the latest OCR decision, wholesale market

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