Home loans · Side by side

CommBank vs Unloan

Each lender at its lowest rate for your choices, whichever of its loans that is.

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A month's repayment on $600,000 over 30 years, variable
$3,749
at 6.39% advertised · Digi
$3,651
at 6.14% advertised

Unloan's repayment is $98 lower a month than CommBank's.

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Deposit

A 20% deposit until you say otherwise. Repayments at the advertised rate over 30 years; fees are on top.

Commonwealth BankCommBank
UnloanUnloan
The loan behind the rate
Digi
Variable·P&I·Owner-occupier
Unloan
Variable·P&I·Owner-occupier
Advertised rate
the rate you pay
6.39%
at LVR 70–80%
6.14%
at LVR ≤80%
0.25 points lower · Lower advertised rate

Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Comparison rate
the rate with most fees in
6.41%
6.05%
0.36 points lower · Lower comparison rate
Fees a year
$0
no ongoing fee
$0
no ongoing fee
Upfront fees
$300
to set it up
$0
to set it up
$300 less · Lower upfront fees
Discharge fee
$350
to pay it off and leave
$0
to pay it off and leave
$350 less · Lower discharge fee
Offset account
Yes
No
Redraw
Yes
Yes
Extra repayments
Yes
Yes
Most it lends
80%
of the property’s value
90%
of the property’s value

Every rate type

The lowest rate each side has for each, at your deposit, purpose and repayments.

Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Variable
comparison rate
6.41%
Digi
6.05%
0.36 points lower · Lower variable rate
1 yr fixed
advertised rate
6.78%
Fixed Rate Home Loan
—
Not offered
2 yr fixed
advertised rate
6.82%
Fixed Rate Home Loan
—
Not offered
3 yr fixed
advertised rate
6.89%
Fixed Rate Home Loan
—
Not offered
4 yr fixed
advertised rate
6.89%
Fixed Rate Home Loan
—
Not offered
5 yr fixed
advertised rate
6.94%
Fixed Rate Home Loan
—
Not offered

Rates over time

The advertised variable rate above, a cell a week. A move shows as ▲ or ▼ in the week it happened.

As of 26 October 2026, for an owner-occupier borrowing $600,000 with a 20% deposit, CommBank's lowest variable rate is 6.39% (comparison rate 6.41%) on its Digi; Unloan's lowest variable rate is 6.14% (comparison rate 6.05%). Figures are the lenders' published rates through Open Banking, worked out on the loan above. Each row says which figure is lower; it doesn't say which loan suits you.

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