Bendigo Bank has joined ANZ and Suncorp in holding back some of last week's cash rate reduction when setting new mortgage rates.Bendigo Bank has cut its standard variable mortgage rate for owner-occupiers by 20 basis points to 5.48 per cent and its SVR for investors by 15 bps to 5.76 per cent.Bendigo and Adelaide Bank chief executive Mike Hirst said in a statement on Friday that the adjustment aimed to find a fair balance for all the bank's stakeholders.Hirst said: "Deposit holders remain front of mind for our bank and the rate reduction announced today seeks to strike the right balance between the needs of borrowers and depositors."Earlier in the week, Suncorp lowered its standard variable rate by 20 bps for owner-occupiers and by 15 bps for investors.And Suncorp's variable rate for business loans will only go down ten bps.ANZ cuts its variable rate for owner-occupiers by 19 bps but it passed on the full rate cut to business borrowers.CUA and QPCU also announced rate changes on Friday. CUA is cutting its standard variable owner-occupier rate by 25 bps and its investor rate by 20 bps.QPCU has cut its variable rate by 25 bps. Its Classic Home Loan discount offer falls to 3.97 per cent.Other lenders that have announced rate cuts since the Reserve Bank's decision last Tuesday include Commonwealth Bank, National Australia Bank, Westpac, ING Direct, Bank of Queensland, Greater Bank, Newcastle Permanent and UBank. All cut their owner-occupier rates by 25 bps.