CommBank home loan rates
COMMONWEALTH BANK OF AUSTRALIA · ACL 234945 · Bank
Rates as at 2026-10-20. 71 rates across 16 products.
Variable rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Digi Home Loan (Owner Occupied) | 6.34% | 6.36% | Variable | Owner occupier | P&I | LVR <=60% |
| Digi Home Loan (Owner Occupied) | 6.37% | 6.39% | Variable | Owner occupier | P&I | LVR 60-70% |
| Digi Home Loan (Owner Occupied) | 6.39% | 6.41% | Variable | Owner occupier | P&I | LVR 70-80% |
| Digi Home Loan (Investment) | 6.44% | 6.46% | Variable | Investment | P&I | LVR <=60% |
| Digi Home Loan (Investment) | 6.49% | 6.51% | Variable | Investment | P&I | LVR 60-70% |
| Digi Home Loan (Investment) | 6.54% | 6.56% | Variable | Investment | P&I | LVR 70-80% |
| Simple Home Loan (Owner Occupied) | 6.59% | 6.73% | Variable | Owner occupier | P&I | LVR <=60% |
| Standard Variable Rate Home Loan (Owner Occupied) | 6.59% | 6.97% | Variable | Owner occupier | P&I | LVR <=60% · Loan $10000-1e+08 |
| Simple Home Loan (Owner Occupied) | 6.64% | 6.78% | Variable | Owner occupier | P&I | LVR 60-70% |
| Standard Variable Rate Home Loan (Owner Occupied) | 6.64% | 7.01% | Variable | Owner occupier | P&I | LVR 60-70% · Loan $10000-1e+08 |
| Digi Home Loan (Investment) | 6.70% | 6.57% | Variable | Investment | Interest only | LVR <=60% |
| Simple Home Loan (Owner Occupied) | 6.74% | 6.88% | Variable | Owner occupier | P&I | LVR 70-80% |
| Standard Variable Rate Home Loan (Owner Occupied) | 6.74% | 7.11% | Variable | Owner occupier | P&I | LVR 70-80% · Loan $10000-1e+08 |
| Digi Home Loan (Investment) | 6.75% | 6.62% | Variable | Investment | Interest only | LVR 60-70% |
| Simple Home Loan (Investment) | 6.79% | 6.92% | Variable | Investment | P&I | LVR <=60% |
| Standard Variable Rate Home Loan (Investment) | 6.79% | 7.16% | Variable | Investment | P&I | LVR <=60% · Loan $10000-1e+08 |
| Digi Home Loan (Investment) | 6.80% | 6.67% | Variable | Investment | Interest only | LVR 70-80% |
| Digi Home Loan (Owner Occupied) | 6.83% | 6.57% | Variable | Owner occupier | Interest only | LVR <=60% |
| Simple Home Loan (Investment) | 6.84% | 6.97% | Variable | Investment | P&I | LVR 60-70% |
| Standard Variable Rate Home Loan (Investment) | 6.84% | 7.21% | Variable | Investment | P&I | LVR 60-70% · Loan $10000-1e+08 |
| Digi Home Loan (Owner Occupied) | 6.86% | 6.60% | Variable | Owner occupier | Interest only | LVR 60-70% |
| Digi Home Loan (Owner Occupied) | 6.88% | 6.62% | Variable | Owner occupier | Interest only | LVR 70-80% |
| Simple Home Loan (Investment) | 6.94% | 7.07% | Variable | Investment | P&I | LVR 70-80% |
| Standard Variable Rate Home Loan (Investment) | 6.94% | 7.31% | Variable | Investment | P&I | LVR 70-80% · Loan $10000-1e+08 |
| Simple Home Loan (Owner Occupied) | 7.04% | 7.18% | Variable | Owner occupier | P&I | LVR 80-90% |
| Standard Variable Rate Home Loan (Owner Occupied) | 7.04% | 7.41% | Variable | Owner occupier | P&I | LVR 80-90% · Loan $10000-1e+08 |
| Simple Home Loan (Investment) | 7.05% | 7.04% | Variable | Investment | Interest only | LVR <=60% |
| Standard Variable Rate Home Loan (Investment) | 7.05% | 7.25% | Variable | Investment | Interest only | LVR <=60% · Loan $10000-1e+08 |
| Simple Home Loan (Owner Occupied) | 7.08% | 6.94% | Variable | Owner occupier | Interest only | LVR <=60% |
| Standard Variable Rate Home Loan (Owner Occupied) | 7.08% | 7.15% | Variable | Owner occupier | Interest only | LVR <=60% · Loan $10000-1e+08 |
| Simple Home Loan (Investment) | 7.10% | 7.09% | Variable | Investment | Interest only | LVR 60-70% |
| Standard Variable Rate Home Loan (Investment) | 7.10% | 7.30% | Variable | Investment | Interest only | LVR 60-70% · Loan $10000-1e+08 |
| Simple Home Loan (Owner Occupied) | 7.13% | 6.99% | Variable | Owner occupier | Interest only | LVR 60-70% |
| Standard Variable Rate Home Loan (Owner Occupied) | 7.13% | 7.20% | Variable | Owner occupier | Interest only | LVR 60-70% · Loan $10000-1e+08 |
| Simple Home Loan (Investment) | 7.20% | 7.19% | Variable | Investment | Interest only | LVR 70-80% |
| Standard Variable Rate Home Loan (Investment) | 7.20% | 7.40% | Variable | Investment | Interest only | LVR 70-80% · Loan $10000-1e+08 |
| Simple Home Loan (Owner Occupied) | 7.23% | 7.09% | Variable | Owner occupier | Interest only | LVR 70-80% |
| Standard Variable Rate Home Loan (Owner Occupied) | 7.23% | 7.30% | Variable | Owner occupier | Interest only | LVR 70-80% · Loan $10000-1e+08 |
| Simple Home Loan (Investment) | 7.29% | 7.42% | Variable | Investment | P&I | LVR 80-90% |
| Standard Variable Rate Home Loan (Investment) | 7.29% | 7.66% | Variable | Investment | P&I | LVR 80-90% · Loan $10000-1e+08 |
| Simple Home Loan (Investment) | 7.55% | 7.54% | Variable | Investment | Interest only | LVR 80-90% |
| Standard Variable Rate Home Loan (Investment) | 7.55% | 7.75% | Variable | Investment | Interest only | LVR 80-90% · Loan $10000-1e+08 |
| Simple Home Loan (Owner Occupied) | 7.99% | 8.13% | Variable | Owner occupier | P&I | LVR 90-95% |
| Standard Variable Rate Home Loan (Owner Occupied) | 7.99% | 8.35% | Variable | Owner occupier | P&I | LVR 90-95% · Loan $10000-1e+08 |
| Simple Home Loan (Investment) | 8.09% | 8.22% | Variable | Investment | P&I | LVR 90-95% |
| Standard Variable Rate Home Loan (Investment) | 8.09% | 8.45% | Variable | Investment | P&I | LVR 90-95% · Loan $10000-1e+08 |
Fixed rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| 1 Year Fixed Rate Home Loan (Owner Occupied) | 6.78% | 8.31% | Fixed | Owner occupier | P&I | 1 yr fixed · Loan $10000-1e+08 |
| 2 Year Fixed Rate Home Loan (Owner Occupied) | 6.82% | 8.19% | Fixed | Owner occupier | P&I | 2 yr fixed · Loan $10000-1e+08 |
| 1 year Fixed Rate Home Loan (Investment) | 6.84% | 8.82% | Fixed | Investment | P&I | 1 yr fixed · Loan $10000-1e+08 |
| 2 year Fixed Rate Home Loan (Investment) | 6.87% | 8.64% | Fixed | Investment | P&I | 2 yr fixed · Loan $10000-1e+08 |
| 3 Year Fixed Rate Home Loan (Owner Occupied) | 6.89% | 8.09% | Fixed | Owner occupier | P&I | 3 yr fixed · Loan $10000-1e+08 |
| 4 Year Fixed Rate Home Loan (Owner Occupied) | 6.89% | 7.99% | Fixed | Owner occupier | P&I | 4 yr fixed · Loan $10000-1e+08 |
| 3 year Fixed Rate Home Loan (Investment) | 6.91% | 8.49% | Fixed | Investment | P&I | 3 yr fixed · Loan $10000-1e+08 |
| 1 year Fixed Rate Home Loan (Investment) | 6.92% | 8.83% | Fixed | Investment | Interest only | 1 yr fixed · Loan $10000-1e+08 |
| 1 year Fixed Rate Home Loan (Investment) | 6.92% | — | Fixed | Investment | Interest only | 1 yr fixed · Loan $10000-1e+08 · interest in advance |
| 1 Year Fixed Rate Home Loan (Owner Occupied) | 6.94% | 8.32% | Fixed | Owner occupier | Interest only | 1 yr fixed · Loan $10000-1e+08 |
| 2 year Fixed Rate Home Loan (Investment) | 6.94% | 8.65% | Fixed | Investment | Interest only | 2 yr fixed · Loan $10000-1e+08 |
| 2 year Fixed Rate Home Loan (Investment) | 6.94% | — | Fixed | Investment | Interest only | 2 yr fixed · Loan $10000-1e+08 · interest in advance |
| 3 year Fixed Rate Home Loan (Investment) | 6.94% | 8.49% | Fixed | Investment | Interest only | 3 yr fixed · Loan $10000-1e+08 |
| 3 year Fixed Rate Home Loan (Investment) | 6.94% | — | Fixed | Investment | Interest only | 3 yr fixed · Loan $10000-1e+08 · interest in advance |
| 4 year Fixed Rate Home Loan (Investment) | 6.94% | 8.36% | Fixed | Investment | P&I | 4 yr fixed · Loan $10000-1e+08 |
| 5 Year Fixed Rate Loan (Owner Occupied) | 6.94% | 7.93% | Fixed | Owner occupier | P&I | 5 yr fixed · Loan $10000-1e+08 |
| 2 Year Fixed Rate Home Loan (Owner Occupied) | 6.96% | 8.21% | Fixed | Owner occupier | Interest only | 2 yr fixed · Loan $10000-1e+08 |
| 4 year Fixed Rate Home Loan (Investment) | 6.99% | 8.37% | Fixed | Investment | Interest only | 4 yr fixed · Loan $10000-1e+08 |
| 4 year Fixed Rate Home Loan (Investment) | 6.99% | — | Fixed | Investment | Interest only | 4 yr fixed · Loan $10000-1e+08 · interest in advance |
| 5 year Fixed Rate Home Loan (Investment) | 6.99% | 8.12% | Fixed | Investment | P&I | 5 yr fixed · Loan $10000-1e+08 |
| 3 Year Fixed Rate Home Loan (Owner Occupied) | 7.04% | 7.96% | Fixed | Owner occupier | Interest only | 3 yr fixed · Loan $10000-1e+08 |
| 5 year Fixed Rate Home Loan (Investment) | 7.04% | 8.14% | Fixed | Investment | Interest only | 5 yr fixed · Loan $10000-1e+08 |
| 5 year Fixed Rate Home Loan (Investment) | 7.04% | — | Fixed | Investment | Interest only | 5 yr fixed · Loan $10000-1e+08 · interest in advance |
| 4 Year Fixed Rate Home Loan (Owner Occupied) | 7.09% | 7.91% | Fixed | Owner occupier | Interest only | 4 yr fixed · Loan $10000-1e+08 |
| 5 Year Fixed Rate Loan (Owner Occupied) | 7.19% | 7.89% | Fixed | Owner occupier | Interest only | 5 yr fixed · Loan $10000-1e+08 |
Conditions worth checking. For a Fixed Rate Loan, there is a minimum loan amount of $10,000 for new loans. | The total LVR for an existing and/or new Fixed Rate Home Loan cannot exceed 95% (subject to any postcode restrictions) | Eligibility: Available to Individuals. | Eligibility: Non-trading Companies and/or Family/Unit/Hy Minimum $1,000 withdrawal with a $0 Redraw fee over the counter at any Commonwealth Bank branch and no minimum electronically with a $0 Redraw fee. | Minimum loan amount for new loans. | The total LVR for an existing and/or new Simple Home Loan cannot exceed 95% (subject to any postcode restrictions For a Fixed Rate Loan, there is a minimum loan amount of $10,000 for new loans. | The total LVR for an existing and/or new Fixed Rate Home Loan cannot exceed 95% (subject to any postcode restrictions) | Eligibility: Non-trading Companies and/or Family/Unit/Hybrid Trusts. | Eligibility: Individuals (