Commonwealth Bank home loan interest rates for owner-occupier principal & interest loans — 4 products, variable and fixed, with comparison rates, fees and current offers. Updated 2026-09-16.
| Loan | Variable | Fixed (duration) | Comparison | Fees | Special offers |
|---|---|---|---|---|---|
| Digi Home Loan auto-updated 2026-09-16 | 6.09% | — | 6.22% | No annual fee; up to $10,000 extra repayments/yr | — |
| Standard Variable Rate (Complete) LVR ≤60%; up to 7.74% at LVR 90-95% · auto-updated 2026-09-16 | 6.34% | — | 6.72% | $395/yr; Wealth Package annual fee $395 (waived 1st yr options apply) | — |
| Simple Home Loan auto-updated 2026-09-16 | 6.34% | — | 6.59% | $300 application; $240/yr; $300 upfront + $20/mo loan service fee; discount margin needs a $150,000+ balance; $10/mo offset feature fee if linked | — |
| Fixed Rate Home Loan (Complete) | — | 1yr 6.49%2yr 6.34%3yr 6.59%4yr 6.64%5yr 6.79% | — | $395/yr; Wealth Package fee applies; package discount 0.15% off fixed rates | — |
About Commonwealth Bank
Australia's largest bank by market capitalisation and one of the Big Four banks; a major home lender to millions of retail customers.
- Website: www.commbank.com.au
- Contact: 13 22 24 (home loans, incl. new applications); general enquiries 13 2221
Current Commonwealth Bank rates: lowest variable 6.09%, lowest fixed 6.34%.
Rate source: https://www.commbank.com.au/home-loans/interest-rates.html.