Commonwealth Bank home loans
5 home loans with 24 options: variable or fixed from 1 to 5 years, for owner-occupiers or investors, paying principal and interest or interest only, with rates by deposit size. Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate.
- Digi Home LoanOffset account · redraw · no ongoing fee6.41%
- Simple Home LoanOffset account · redraw6.88%
- Standard Variable Rate Home LoanOffset account · redraw · no ongoing fee7.11%
- 5 Year Fixed Rate Loan (Owner Occupied)Redraw · no ongoing fee–
- Fixed Rate Home LoanRedraw · no ongoing fee–
The lowest rate for each choice: the comparison rate where the lender publishes one, else the advertised rate. Every variant is on the loan's own page.
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.
October 20268 changes
- 9Fri
- 2 year Fixed Rate Home Loan (Investment)2 variants up 0.199 days after the RBA rise to 4.60%+0.19All 2yr Fixed · Investor · ≤95% LVR
P&I 8.64 8.83 +0.19 Interest Only 8.65 8.84 +0.19 - 3 Year Fixed Rate Home Loan (Owner Occupied)2 variants up 0.179 days after the RBA rise to 4.60%+0.17All 3yr Fixed · Owner-occupier · ≤95% LVR
P&I 8.09 8.26 +0.17 Interest Only 8.13 8.30 +0.17 - 4 Year Fixed Rate Home Loan (Owner Occupied)2 variants up 0.159 days after the RBA rise to 4.60%+0.15All 4yr Fixed · Owner-occupier · ≤95% LVR
P&I 7.99 8.14 +0.15 Interest Only 8.06 8.21 +0.15 - 3 year Fixed Rate Home Loan (Investment)2 variants up 0.179 days after the RBA rise to 4.60%+0.17All 3yr Fixed · Investor · ≤95% LVR
P&I 8.49 8.66 +0.17 Interest Only 8.49 8.66 +0.17 - Digi Home Loan (Owner Occupied)6 variants up 0.259 days after the RBA rise to 4.60%+0.25All Variable · Owner-occupier
P&I · ≤60% LVR 6.11 6.36 +0.25 P&I · 60–70% LVR 6.14 6.39 +0.25 P&I · 70–80% LVR 6.16 6.41 +0.25 Interest Only · ≤60% LVR 6.32 6.57 +0.25 Interest Only · 60–70% LVR 6.35 6.60 +0.25 Interest Only · 70–80% LVR 6.37 6.62 +0.25 - Digi Home Loan (Investment)6 variants up 0.259 days after the RBA rise to 4.60%+0.25All Variable · Investor
P&I · ≤60% LVR 6.21 6.46 +0.25 P&I · 60–70% LVR 6.26 6.51 +0.25 P&I · 70–80% LVR 6.31 6.56 +0.25 Interest Only · ≤60% LVR 6.32 6.57 +0.25 Interest Only · 60–70% LVR 6.37 6.62 +0.25 Interest Only · 70–80% LVR 6.42 6.67 +0.25 - 2 Year Fixed Rate Home Loan (Owner Occupied)2 variants up 0.199 days after the RBA rise to 4.60%+0.19All 2yr Fixed · Owner-occupier · ≤95% LVR
P&I 8.19 8.38 +0.19 Interest Only 8.21 8.40 +0.19 - 1 Year Fixed Rate Home Loan (Owner Occupied)2 variants up 0.229 days after the RBA rise to 4.60%+0.22All 1yr Fixed · Owner-occupier · ≤95% LVR
P&I 8.31 8.53 +0.22 Interest Only 8.32 8.54 +0.22
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare home loans · Home loan report
Notes on Commonwealth Bank home loans
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As of 1 November 2026, Commonwealth Bank has five 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 6.41% (Digi Home Loan), ranking 32nd of 93 variable owner-occupier P&I loans and sitting 0.17 points below the market average of 6.58%. Its rates last moved on 9 October 2026, 9 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.