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Home loan · Variable

Digi Home Loan

Loan for
Repayments

6.41%comparison rate p.a. · 6.39% advertised

Variable · P&I · Owner-occupier · 70–80% LVR

36th of 91 variable owner-occupier P&I loans

Go to Commonwealth Bank

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.

Offset account
Yes
Redraw
Yes
Extra repayments
Yes
Application fee
$300
Ongoing fee
None
Discharge fee
$350
Compare all 311 home loans

Variable · P&I · Owner-occupier · ≤60% LVR
6.36% comparison · 6.34% advertised
Variable · P&I · Owner-occupier · 60–70% LVR
6.39% comparison · 6.37% advertised
Variable · P&I · Owner-occupier · 70–80% LVR
6.41% comparison · 6.39% advertised
Variable · Interest Only · Owner-occupier · ≤60% LVR
6.57% comparison · 6.83% advertised
Variable · Interest Only · Owner-occupier · 60–70% LVR
6.60% comparison · 6.86% advertised
Variable · Interest Only · Owner-occupier · 70–80% LVR
6.62% comparison · 6.88% advertised
Variable · P&I · Investor · ≤60% LVR
6.46% comparison · 6.44% advertised
Variable · P&I · Investor · 60–70% LVR
6.51% comparison · 6.49% advertised
Variable · P&I · Investor · 70–80% LVR
6.56% comparison · 6.54% advertised
Variable · Interest Only · Investor · ≤60% LVR
6.57% comparison · 6.70% advertised
Variable · Interest Only · Investor · 60–70% LVR
6.62% comparison · 6.75% advertised
Variable · Interest Only · Investor · 70–80% LVR
6.67% comparison · 6.80% advertised

Application fee
$300
Ongoing fee
None
Discharge fee
$350
Redraw fee
None

Offset account
Yes
Redraw
Yes
Extra repayments
Yes
Portable
No
Repayment holiday
No

Minimum loan
$100,000

  • Digi Home Loan · Variable · P&I · Owner-occupier
  • RBA cash rate
  • Market average
5.006.00AugSepToday6.41% p.a. today
  1. Digi Home Loan (Owner Occupied)6 variants up 0.259 days after the RBA rise to 4.60%
    All Variable · Owner-occupier
    P&I · ≤60% LVR6.116.36+0.25
    P&I · 60–70% LVR6.146.39+0.25
    P&I · 70–80% LVR6.166.41+0.25
    Interest Only · ≤60% LVR6.326.57+0.25
    Interest Only · 60–70% LVR6.356.60+0.25
    Interest Only · 70–80% LVR6.376.62+0.25
    +0.25
  2. Digi Home Loan (Investment)6 variants up 0.259 days after the RBA rise to 4.60%
    All Variable · Investor
    P&I · ≤60% LVR6.216.46+0.25
    P&I · 60–70% LVR6.266.51+0.25
    P&I · 70–80% LVR6.316.56+0.25
    Interest Only · ≤60% LVR6.326.57+0.25
    Interest Only · 60–70% LVR6.376.62+0.25
    Interest Only · 70–80% LVR6.426.67+0.25
    +0.25
  3. Digi Home Loan (Investment)6 variants cut 0.10 to 0.11
    All Variable · Investor
    P&I · ≤60% LVR6.326.21−0.11
    P&I · 60–70% LVR6.376.26−0.11
    P&I · 70–80% LVR6.426.31−0.11
    Interest Only · ≤60% LVR6.426.32−0.10
    Interest Only · 60–70% LVR6.476.37−0.10
    Interest Only · 70–80% LVR6.526.42−0.10
    −0.11 to −0.10
  4. Digi Home Loan (Investment)ongoing fee $10 → $0 a month on 6 variants
    All Variable · Investor
    P&I · ≤60% LVR$10$0−$10
    P&I · 60–70% LVR$10$0−$10
    P&I · 70–80% LVR$10$0−$10
    Interest Only · ≤60% LVR$10$0−$10
    Interest Only · 60–70% LVR$10$0−$10
    Interest Only · 70–80% LVR$10$0−$10
    −$10/mo
  5. Digi Home Loan (Owner Occupied)6 variants cut 0.10 to 0.11
    All Variable · Owner-occupier
    P&I · ≤60% LVR6.226.11−0.11
    P&I · 60–70% LVR6.256.14−0.11
    P&I · 70–80% LVR6.276.16−0.11
    Interest Only · ≤60% LVR6.426.32−0.10
    Interest Only · 60–70% LVR6.456.35−0.10
    Interest Only · 70–80% LVR6.476.37−0.10
    −0.11 to −0.10
  6. Digi Home Loan (Owner Occupied)ongoing fee $10 → $0 a month on 6 variants
    All Variable · Owner-occupier
    P&I · ≤60% LVR$10$0−$10
    P&I · 60–70% LVR$10$0−$10
    P&I · 70–80% LVR$10$0−$10
    Interest Only · ≤60% LVR$10$0−$10
    Interest Only · 60–70% LVR$10$0−$10
    Interest Only · 70–80% LVR$10$0−$10
    −$10/mo

Tracked since 12 September 2026. Our own corrections of a misread figure aren't shown.

A digital home loan with a low variable rate

Also from Commonwealth Bank: Simple Home Loan 6.88% · Standard Variable Rate Home Loan 7.11% · 5 Year Fixed Rate Loan (Owner Occupied) 8.06% · Fixed Rate Home Loan 8.14%

As of 15 October 2026, the Commonwealth Bank Digi Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.41% (6.39% advertised), ranking 36th of 91 variable owner-occupier P&I loans and sitting 0.13 points below the market average of 6.54%. The product comes in 12 variants; the others are investor, interest-only and other LVR bands. Its rate 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.