Plenty of mortgage managers and second tier lenders have pushed home loan interest rates higher in recent weeks as they, or their funders, have passed on some of the rising cost of funds connected to the global liquidity crunch.Examples include South Australian mortgage manager RateBusters which lifted rates on four no-doc and low-doc home loans on Thursday by between 81 basis points and 1.32 percentage points.Among other moves last week Collins Home Loans put up its variable rate Multi-Option loan 25 basis points from 7.59 to 7.84 per cent. Award Mortgage Solutions put up its standard variable rate 15 basis points from 7.42 to 7.57 per cent.Image Finance put up its premium variable rate 35 basis points from 7.45 to 7.8 per cent.Over the past couple of months a large number of lenders outside the five largest lenders have made changes to their rates beyond the Reserve Bank's 25 basis point increase in the official cash rate pushed through in August. Macquarie and Aussie have put up standard variable rates by 10 basis points. Rams, Adelaide Bank and Resi have put up variable rates by 15 basis points.In the low doc market Rams, Adelaide Bank and Macquarie increased their rates by 30 basis points.A number of lenders have announced big increases in rates for their home equity line of credit loans. On August 17, when Australian Central Credit Union put up rates on a range of loans by 25 basis points, it increased the rate on its Line of Credit Home Loan by 40 basis points to 8.32 per cent.LoanAustralia put its home equity rate up 45 basis points.The big five banks have left their variable rates unchanged, except for the 25 basis point increase that followed the Reserve bank's change to the cash rate. All five have the same standard variable rate - 8.32 per cent. Allowing for the average discount, which the RBA says is 60 basis points, any non-bank lender offering a fully featured variable rate above 7.7 per cent could expect to be feeling some pressure.Some mortgage managers have variable rates that are well above eight per cent. AIMS Home Loans increased the rate on its Smarter Way variable rate home loan by 30 basis points on October 4, taking it from 7.9 to 8.2 per cent. Rams has several variable rate loans priced above eight per cent. After changing rates on October 3, its standard variable rate went to 8.57 per cent, its SmartWay home equity loan went to 8.59 per cent and its Zero home loan went to 8.19 per cent.InfoChoice general manager Denis Orrock is not convinced that the big banks will hold the line on rates much longer. "If the banks were really in the strong position they say they are they would have exerted some pricing pressure on their competitors by now. All they have done is hold their rates steady."The fact is they are feeling the pricing pressure as well. You can see that in the way some of them