CommBank home loan rates
75 advertised rate lines across 16 products, published by CommBank under the Consumer Data Right. Read yesterday. No lender pays to be listed.
Where it sits
The benchmark is the rate at which a third distinct lender appears in the sorted list. It is not the lowest rate anyone publishes. Anchoring on the lowest would put a green loan or a veterans' rate under the whole market, and name a difference nobody can capture.
Owner-occupied, principal and interest
| Product | Type | LVR | Rate | Comparison |
|---|---|---|---|---|
| Simple Home Loan (Owner Occupied) | discount | — | 0.10% | — |
| Standard Variable Rate Home Loan (Owner Occupied) | discount | — | 0.10% | — |
| Digi Home Loan (Owner Occupied) | variable | 0–60% | 6.09% | 6.22% |
| Digi Home Loan (Owner Occupied) | variable | 60.01–70% | 6.12% | 6.25% |
| Digi Home Loan (Owner Occupied) | variable | 70.01–80% | 6.14% | 6.27% |
| Simple Home Loan (Owner Occupied) | variable | 0–60% | 6.34% | 6.59% |
| 2 Year Fixed Rate Home Loan (Owner Occupied) | fixed 2y | — | 6.34% | 7.89% |
| Standard Variable Rate Home Loan (Owner Occupied) | variable | 0–60% | 6.34% | 6.72% |
| Simple Home Loan (Owner Occupied) | variable | 60.01–70% | 6.39% | 6.64% |
| Standard Variable Rate Home Loan (Owner Occupied) | variable | 60.01–70% | 6.39% | 6.77% |
| Simple Home Loan (Owner Occupied) | variable | 70.01–80% | 6.49% | 6.74% |
| 1 Year Fixed Rate Home Loan (Owner Occupied) | fixed 1y | — | 6.49% | 8.06% |
| Standard Variable Rate Home Loan (Owner Occupied) | variable | 70.01–80% | 6.49% | 6.87% |
| 3 Year Fixed Rate Home Loan (Owner Occupied) | fixed 3y | — | 6.59% | 7.83% |
| 4 Year Fixed Rate Home Loan (Owner Occupied) | fixed 4y | — | 6.64% | 7.75% |
| Simple Home Loan (Owner Occupied) | variable | 80.01–90% | 6.79% | 7.04% |
| 5 Year Fixed Rate Loan (Owner Occupied) | fixed 5y | — | 6.79% | 7.73% |
| Standard Variable Rate Home Loan (Owner Occupied) | variable | 80.01–90% | 6.79% | 7.16% |
| Simple Home Loan (Owner Occupied) | variable | 90.01–95% | 7.74% | 7.98% |
| Standard Variable Rate Home Loan (Owner Occupied) | variable | 90.01–95% | 7.74% | 8.10% |
Owner-occupied, interest only
| Product | Type | LVR | Rate | Comparison |
|---|---|---|---|---|
| Digi Home Loan (Owner Occupied) | variable | 0–60% | 6.58% | 6.42% |
| Digi Home Loan (Owner Occupied) | variable | 60.01–70% | 6.61% | 6.45% |
| Digi Home Loan (Owner Occupied) | variable | 70.01–80% | 6.63% | 6.47% |
| 2 Year Fixed Rate Home Loan (Owner Occupied) | fixed 2y | — | 6.74% | 7.97% |
| Simple Home Loan (Owner Occupied) | variable | 0–60% | 6.83% | 6.78% |
| Standard Variable Rate Home Loan (Owner Occupied) | variable | 0–60% | 6.83% | 6.90% |
| Simple Home Loan (Owner Occupied) | variable | 60.01–70% | 6.88% | 6.83% |
| Standard Variable Rate Home Loan (Owner Occupied) | variable | 60.01–70% | 6.88% | 6.95% |
| 1 Year Fixed Rate Home Loan (Owner Occupied) | fixed 1y | — | 6.89% | 8.10% |
| Simple Home Loan (Owner Occupied) | variable | 70.01–80% | 6.98% | 6.93% |
| Standard Variable Rate Home Loan (Owner Occupied) | variable | 70.01–80% | 6.98% | 7.05% |
| 3 Year Fixed Rate Home Loan (Owner Occupied) | fixed 3y | — | 7.04% | 7.96% |
| 4 Year Fixed Rate Home Loan (Owner Occupied) | fixed 4y | — | 7.09% | 7.91% |
| 5 Year Fixed Rate Loan (Owner Occupied) | fixed 5y | — | 7.19% | 7.89% |
Investment, principal and interest
| Product | Type | LVR | Rate | Comparison |
|---|---|---|---|---|
| Standard Variable Rate Home Loan (Investment) | discount | — | 0.10% | — |
| Simple Home Loan (Investment) | discount | — | 0.10% | — |
| Digi Home Loan (Investment) | variable | 0–60% | 6.19% | 6.32% |
| Digi Home Loan (Investment) | variable | 60.01–70% | 6.24% | 6.37% |
| Digi Home Loan (Investment) | variable | 70.01–80% | 6.29% | 6.42% |
| 2 year Fixed Rate Home Loan (Investment) | fixed 2y | — | 6.39% | 8.35% |
| 1 year Fixed Rate Home Loan (Investment) | fixed 1y | — | 6.54% | 8.57% |
| Standard Variable Rate Home Loan (Investment) | variable | 0–60% | 6.54% | 6.92% |
| Simple Home Loan (Investment) | variable | 0–60% | 6.54% | 6.79% |
| Standard Variable Rate Home Loan (Investment) | variable | 60.1–70% | 6.59% | 6.97% |
| Simple Home Loan (Investment) | variable | 60.01–70% | 6.59% | 6.84% |
| 3 year Fixed Rate Home Loan (Investment) | fixed 3y | — | 6.64% | 8.24% |
| Standard Variable Rate Home Loan (Investment) | variable | 70.01–80% | 6.69% | 7.06% |
| Simple Home Loan (Investment) | variable | 70.01–80% | 6.69% | 6.94% |
| 4 year Fixed Rate Home Loan (Investment) | fixed 4y | — | 6.84% | 8.17% |
| 5 year Fixed Rate Home Loan (Investment) | fixed 5y | — | 6.99% | 8.12% |
| Standard Variable Rate Home Loan (Investment) | variable | 80.01–90% | 7.04% | 7.41% |
| Simple Home Loan (Investment) | variable | 80.01–90% | 7.04% | 7.29% |
| Standard Variable Rate Home Loan (Investment) | variable | 90.01–95% | 7.84% | 8.20% |
| Simple Home Loan (Investment) | variable | 90.01–95% | 7.84% | 8.08% |
Investment, interest only
| Product | Type | LVR | Rate | Comparison |
|---|---|---|---|---|
| Digi Home Loan (Investment) | variable | 0–60% | 6.45% | 6.42% |
| 2 year Fixed Rate Home Loan (Investment) | fixed 2y | — | 6.49% | 8.37% |
| Digi Home Loan (Investment) | variable | 60.01–70% | 6.50% | 6.47% |
| Digi Home Loan (Investment) | variable | 70.01–80% | 6.55% | 6.52% |
| 1 year Fixed Rate Home Loan (Investment) | fixed 1y | — | 6.64% | 8.58% |
| 3 year Fixed Rate Home Loan (Investment) | fixed 3y | — | 6.79% | 8.28% |
| Standard Variable Rate Home Loan (Investment) | variable | 0–60% | 6.80% | 7.00% |
| Simple Home Loan (Investment) | variable | 0–60% | 6.80% | 6.88% |
| Standard Variable Rate Home Loan (Investment) | variable | 60.01–70% | 6.85% | 7.05% |
| Simple Home Loan (Investment) | variable | 60.01–70% | 6.85% | 6.93% |
| 4 year Fixed Rate Home Loan (Investment) | fixed 4y | — | 6.94% | 8.20% |
| Standard Variable Rate Home Loan (Investment) | variable | 70.01–80% | 6.95% | 7.15% |
| Simple Home Loan (Investment) | variable | 70.01–80% | 6.95% | 7.03% |
| 5 year Fixed Rate Home Loan (Investment) | fixed 5y | — | 7.04% | 8.14% |
| Standard Variable Rate Home Loan (Investment) | variable | 80.01–90% | 7.30% | 7.50% |
| Simple Home Loan (Investment) | variable | 80.01–90% | 7.30% | 7.38% |
What changed
CommBank last moved a rate line on Sunday 16 August. Every line is read each morning and has come back the same since.
Does this look wrong? or could it be better
Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what CommBank told you, it is usually one of these.
The published data is wrong
CommBank publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source — if the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list.
Everything identifying the feed is filled in below. The one part left is what you saw.
Consumer Data Right — Product Reference Data quality Data holder brand: CommBank ABN: 48123123124 Product Reference Data endpoint: https://api.commbank.com.au/public Data read from that endpoint on: Saturday 12 September Rate lines published at that time: 75 What appears to be wrong: [describe what you checked, and what the published data says] This data is published under the Product Reference Data standard and is available publicly, without authentication or a consumer consent.
This page reads it wrongly
The rate is published correctly and this page has misread it: a band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not. That one is mine. Tell me and I will fix it, and say which lender so I can find the row.
Something is missing
A figure this page should show and does not, or a lender that should be here and is not. Same place. The data behind every page here is free to download if you would rather check it yourself first.
Free, and not advice. It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. What this site collects.
Building something with this? There is an API, and the data is free.
Found in the data: what lenders charge above 80% and the rate a fixed loan resets to.