Suncorp Bank has joined ANZ in declining to pass on the full 25 basis points of the Reserve Bank's cash rate cut to its mortgage borrowers. Suncorp announced yesterday that it would lower 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.Suncorp Bank chief executive John Nesbitt said in a statement: "While funding costs for banks have been rising in recent months we acknowledge the need to provide stimulus to the economy and a boost to business and consumer confidence."ING Direct, UBank, Greater Bank and Newcastle Permanent also announced changes to their standard variable mortgage rates yesterday - all cutting by 25 bps.ING Direct said the cut would apply to owner-occupiers and investors.UBank said its new standard variable rate was 3.74 per cent (including a discount of 43 basis points).Greater Bank is cutting its standard variable rate to 4.75 per cent. Greater has also introduced a new owner-occupier loan for new customers borrowing more than A$150,000 and with a loan-to-valuation ratio of 80 per cent or less. The rate on the new loan is 3.99 per cent.Newcastle Permanent cut its standard variable rate to 5.05 per cent.These moves follow rate changes announced by the big banks on Tuesday. Commonwealth Bank, National Australia Bank and Westpac cut by 25 bps, while ANZ cut by 19 bps.