Small lenders increasing by more than RBA

I notice some of the smaller lenders are hiking their rates by more than the RBA increase. Pepper just went up .35 and I think Mortgage Ezy have been doing similar.
 
Rams also put them up by .35% in October. Considering they are owned by Westpac, I was surprised this didn't get more media coverage.

Rang Rams today and they are only putting them up .25 for November.
 
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