Lender profile · Home loans
LiveCommonwealth Bank home loans
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As of 18 September 2026, Commonwealth Bank has 16 home loan products in 66 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.27% (Digi Home Loan (Owner Occupied)), ranking 33rd of 107 variable owner-occupier P&I loans and sitting 0.49 points below the market average of 6.76%.
- Lowest comparison rate
- 6.27%
- Digi Home Loan (Owner Occupied)
- Market rank
- #33
- of 107 variable owner-occupier P&I loans
- Products
- 16
- 66 variants
- Last change
- —
- None recorded yet
Rates over time
Comparison rate of each product's headline variant- RBA cash rate
- Market average
- Digi Home Loan (Owner Occupied)
- Digi Home Loan (Investment)
- Simple Home Loan (Owner Occupied)
- Simple Home Loan (Investment)
- Standard Variable Rate Home Loan (Owner Occupied)
- Standard Variable Rate Home Loan (Investment)
- 5 Year Fixed Rate Loan (Owner Occupied)
- 4 Year Fixed Rate Home Loan (Owner Occupied)
- 3 Year Fixed Rate Home Loan (Owner Occupied)
- 2 Year Fixed Rate Home Loan (Owner Occupied)
- 1 Year Fixed Rate Home Loan (Owner Occupied)
- 5 year Fixed Rate Home Loan (Investment)
- 4 year Fixed Rate Home Loan (Investment)
- 3 year Fixed Rate Home Loan (Investment)
- 2 year Fixed Rate Home Loan (Investment)
- 1 year Fixed Rate Home Loan (Investment)
What changed
No changes recorded for Commonwealth Bank's home loans since tracking began on 12 September 2026.
Home loans
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · 6
Variable · P&I · Owner-occupier · 70–80% LVR · offset account · redraw · 6 variants
6.27%#33 of 107comparison · 6.14% advertised
- Application fee
- $300
- Ongoing fee
- $10 a month
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤60% LVR · offset account · redraw · 6 variants
6.32%#6 of 81comparison · 6.19% advertised
- Application fee
- $300
- Ongoing fee
- $10 a month
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 70–80% LVR · offset account · redraw · 8 variants
6.74%#76 of 107comparison · 6.49% advertised
- Application fee
- None
- Ongoing fee
- $20 a month
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤60% LVR · offset account · redraw · 9 variants
6.79%#45 of 81comparison · 6.54% advertised
- Application fee
- None
- Ongoing fee
- $20 a month
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 70–80% LVR · offset account · redraw · 8 variants
6.87%#85 of 107comparison · 6.49% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤60% LVR · offset account · redraw · 9 variants
6.92%#54 of 81comparison · 6.54% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Fixed · 10
5yr Fixed · P&I · Owner-occupier · redraw · 2 variants
5y 7.73%7.73%#41 of 49comparison · 6.79% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
4yr Fixed · P&I · Owner-occupier · redraw · 2 variants
4y 7.75%7.75%#30 of 35comparison · 6.64% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
3yr Fixed · P&I · Owner-occupier · redraw · 2 variants
3y 7.83%7.83%#42 of 50comparison · 6.59% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
2yr Fixed · P&I · Owner-occupier · redraw · 2 variants
2y 7.89%7.89%#41 of 49comparison · 6.34% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
1yr Fixed · P&I · Owner-occupier · redraw · 2 variants
1y 8.06%8.06%#41 of 49comparison · 6.49% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
5yr Fixed · P&I · Investor · redraw · 2 variants
8.12%#35 of 42comparison · 6.99% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
4yr Fixed · P&I · Investor · redraw · 2 variants
8.17%#26 of 31comparison · 6.84% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
3yr Fixed · P&I · Investor · redraw · 2 variants
8.24%#38 of 45comparison · 6.64% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
2yr Fixed · P&I · Investor · redraw · 2 variants
8.35%#38 of 45comparison · 6.39% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
1yr Fixed · P&I · Investor · redraw · 2 variants
8.57%#36 of 43comparison · 6.54% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Notes on Commonwealth Bank home loans
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