Home loan · Variable
Standard Variable Rate Home Loan
7.11%comparison rate p.a. · 6.74% advertised · With the Wealth Package · $395 a year
Variable · P&I · Owner-occupier · 70–80% LVR
83rd of 91 variable owner-occupier P&I loans
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
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Variable · P&I · Owner-occupier · ≤60% LVR
- 6.97% comparison · 6.59% advertised
- Variable · P&I · Owner-occupier · 60–70% LVR
- 7.01% comparison · 6.64% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 7.11% comparison · 6.74% advertised
- Variable · P&I · Owner-occupier · 80–90% LVR
- 7.41% comparison · 7.04% advertised
- Variable · P&I · Owner-occupier · 90–95% LVR
- 8.35% comparison · 7.99% advertised
- Variable · Interest Only · Owner-occupier · ≤60% LVR
- 7.15% comparison · 7.08% advertised
- Variable · Interest Only · Owner-occupier · 60–70% LVR
- 7.20% comparison · 7.13% advertised
- Variable · Interest Only · Owner-occupier · 70–80% LVR
- 7.30% comparison · 7.23% advertised
- Variable · P&I · Investor · ≤60% LVR
- 7.16% comparison · 6.79% advertised
- Variable · P&I · Investor · 60–70% LVR
- 7.21% comparison · 6.84% advertised
- Variable · P&I · Investor · 70–80% LVR
- 7.31% comparison · 6.94% advertised
- Variable · P&I · Investor · 80–90% LVR
- 7.66% comparison · 7.29% advertised
- Variable · P&I · Investor · 90–95% LVR
- 8.45% comparison · 8.09% advertised
- Variable · Interest Only · Investor · ≤60% LVR
- 7.25% comparison · 7.05% advertised
- Variable · Interest Only · Investor · 60–70% LVR
- 7.30% comparison · 7.10% advertised
- Variable · Interest Only · Investor · 70–80% LVR
- 7.40% comparison · 7.20% advertised
- Variable · Interest Only · Investor · 80–90% LVR
- 7.75% comparison · 7.55% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Package (Wealth Package)
- $395 a year
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $10,000
- Standard Variable Rate Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
- Standard Variable Rate Home Loan (Investment)9 variants up 0.24 to 0.259 days after the RBA rise to 4.60%+0.24 to +0.25All Variable · Investor
P&I · ≤60% LVR 6.92 7.16 +0.24 P&I · 60–70% LVR 6.97 7.21 +0.24 P&I · 70–80% LVR 7.06 7.31 +0.25 P&I · 80–90% LVR 7.41 7.66 +0.25 P&I · 90–95% LVR 8.20 8.45 +0.25 Interest Only · ≤60% LVR 7.00 7.25 +0.25 Interest Only · 60–70% LVR 7.05 7.30 +0.25 Interest Only · 70–80% LVR 7.15 7.40 +0.25 Interest Only · 80–90% LVR 7.50 7.75 +0.25 - Standard Variable Rate Home Loan (Owner Occupied)8 variants up 0.24 to 0.259 days after the RBA rise to 4.60%+0.24 to +0.25All Variable · Owner-occupier
P&I · ≤60% LVR 6.72 6.97 +0.25 P&I · 60–70% LVR 6.77 7.01 +0.24 P&I · 70–80% LVR 6.87 7.11 +0.24 P&I · 80–90% LVR 7.16 7.41 +0.25 P&I · 90–95% LVR 8.10 8.35 +0.25 Interest Only · ≤60% LVR 6.90 7.15 +0.25 Interest Only · 60–70% LVR 6.95 7.20 +0.25 Interest Only · 70–80% LVR 7.05 7.30 +0.25
Tracked since 12 September 2026. Our own corrections of a misread figure aren't shown.
A competitive variable rate home loan with access to offset and an extensive range of features.
Also from Commonwealth Bank: Digi Home Loan 6.41% · Simple Home Loan 6.88% · 5 Year Fixed Rate Loan (Owner Occupied) 8.06% · Fixed Rate Home Loan 8.14%
As of 15 October 2026, the Commonwealth Bank Standard Variable Rate Home Loan's variable owner-occupier P&I variant has a comparison rate of 7.11% (6.74% advertised), ranking 83rd of 91 variable owner-occupier P&I loans and sitting 0.57 points above the market average of 6.54%. The product comes in 17 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.