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Commonwealth Bank · Home loan · Variable
LiveStandard Variable Rate Home Loan (Owner Occupied)
As of 18 September 2026, the Commonwealth Bank Standard Variable Rate Home Loan (Owner Occupied)'s variable owner-occupier P&I variant has a comparison rate of 6.87% (6.49% advertised), ranking 85th of 107 variable owner-occupier P&I loans and sitting 0.11 points above the market average of 6.76%. The product comes in 8 variants; the others are interest-only and other LVR bands.
6.87%comparison rate p.a.
6.49% advertised · Variable · P&I · Owner-occupier · 70–80% LVR
7 other variants: interest-only and other LVR bands below.
Rate over time
Comparison rate · Variable · P&I · Owner-occupier · 70–80% LVR- Standard Variable Rate Home Loan (Owner Occupied) · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier · ≤60% LVR
- 6.72% comparison · 6.34% advertised
- Variable · P&I · Owner-occupier · 60–70% LVR
- 6.77% comparison · 6.39% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.87% comparison · 6.49% advertised
- Variable · P&I · Owner-occupier · 80–90% LVR
- 7.16% comparison · 6.79% advertised
- Variable · P&I · Owner-occupier · 90–95% LVR
- 8.10% comparison · 7.74% advertised
- Variable · Interest Only · Owner-occupier · ≤60% LVR
- 6.90% comparison · 6.83% advertised
- Variable · Interest Only · Owner-occupier · 60–70% LVR
- 6.95% comparison · 6.88% advertised
- Variable · Interest Only · Owner-occupier · 70–80% LVR
- 7.05% comparison · 6.98% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Redraw fee
- None
Features
Headline variant- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- Minimum loan
- $250,000
About this product
A competitive variable rate home loan with access to offset and an extensive range of features.