Australia's largest mortgage holder, the Commonwealth Bank, this week increased its fixed-rate home loans to 8.64 per cent for one to four-year mortgages. Anglicare Victoria called on major banks to consider the social impact of another rate rise. Anglicare Victoria chief executive Ray Cleary said many low-income families would find themselves in crisis under another rate rise. "Australia's strong economy has not benefited all in the community," he said. "In fact, what we are seeing at Anglicare Victoria is a divided economy where some people are doing well but an increasing group of people are really struggling to deal with the combined effect of high housing cost, rising petrol costs and an increase in energy bills," Dr Cleary said.