A month after the Reserve Bank announced a 25 basis point reduction in the cash rate only six of 78 lenders in the database of the Mozo comparison site have passed on the full cut.Among those that passed on less than 25 bps the average reduction was 11 bps. Seven have not announced any changes.According to the latest Mozo Banking Roundup, when the RBA cut the cash rate in May, 42 lenders passed on 25 bps.In the latest round of cuts, the lenders that passed on 25 bps were Bank Australia (which also introduced a premium for high loan-to-valuation ratio loans), Bank of Sydney, Homestar, P&N Bank (whose package rate went down 26 bps), Resi and Virgin Money.Queensland Credit Union announced that it would not make any changes to its loan or deposit rates, while BCU, Community First Credit Union, Easy Street, Firstmac, Homeloan HQ, Illawarra Home Loans and Police Credit Union did not provide any notification about rates.Several lenders cut their investor rates by more than their owner-occupier rates. They include Victoria Teachers Mutual Bank, Regional Australia Bank (for package loans), Ratebusters, Macquarie Bank, Credit Union SA and Gateway Credit Union.Borrowers can now get a mortgage with a standard variable rate of 3.35 per cent (Reduce Home Loans).On the deposit side, a large number of deposit takers did not change the base rates on their at-call rates, while most cut their bonus and introductory rates.In the term deposit market, deposit-takers tended to cut their short-term rates (under one year) but rises outnumbered cuts on longer terms.