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CommBank Home Loan Rates

Active products
38
Lowest variable
6.15%
Lowest fixed
6.34%
Lowest comparison
6.19%
Last updated
29 July 2026

Commonwealth Bank of Australia (CommBank) is the country's largest home-loan lender by book size and one of the Big Four. Founded in 1911 and headquartered in Sydney, it offers a full range of owner-occupier and investment loans through its 700+ branch network and the CommBank app. Its Wealth Package suite bundles offset, redraw and waived annual fees with eligible products.

What is the lowest CommBank home loan rate?

The lowest CommBank variable home loan rate Ratesniffers tracks is 6.15% p.a., and the lowest fixed rate is 6.34% p.a. These figures come from the 32 CommBank products on this page, ranked by comparison rate, refreshed daily (last updated 29 July 2026).

How many home loan products does CommBank offer?

Ratesniffers currently tracks 32 CommBank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.

CommBank home loan rates at a glance

Product typeRateComparison rateMax LVR
Variable Owner-occupier P&I6.15% p.a.6.19% p.a.80%
Variable Owner-occupier P&I6.15% p.a.6.19% p.a.100%
Variable Owner-occupier P&I6.15% p.a.6.19% p.a.95%
Variable Investor P&I6.32% p.a.6.36% p.a.80%
Variable Investor P&I6.32% p.a.6.36% p.a.100%
Variable Investor P&I6.32% p.a.6.36% p.a.95%
Fixed 2-year Owner-occupier P&I6.34% p.a.6.38% p.a.100%
Fixed 2-year Investor P&I6.39% p.a.6.43% p.a.100%
Fixed 1-year Owner-occupier P&I6.49% p.a.6.53% p.a.100%
Fixed 2-year Investor interest-only6.49% p.a.6.53% p.a.100%
Fixed 1-year Investor P&I6.54% p.a.6.58% p.a.100%
Variable Investor interest-only6.58% p.a.6.62% p.a.80%

32 CommBank home loan products

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Who is CommBank?

Commonwealth Bank is Australia's largest bank and its largest home lender, holding roughly a quarter of the country's mortgage lending, with an owner-occupier loan book in the hundreds of billions. It was founded by the Australian government in 1911 and fully privatised between 1991 and 1996.

CommBank runs the largest branch and ATM network of any Australian bank, around 700 branches, and has committed to keeping its regional branches open until at least the end of 2026. Its scale shows on the digital side too, with the most-used banking app in the country and a broad product range across every borrower type.

Who suits a CommBank home loan?

CommBank tends to suit borrowers who want maximum branch and service coverage, the full product menu, and the convenience of Australia's biggest banking platform. Scale does not automatically mean the sharpest price though: its advertised rates usually sit above the leaders in our table, so compare its comparison rate against the market before assuming the default choice is the right one.

Background facts checked 14 July 2026. Rates above refresh independently.

CommBank home loans: frequently asked questions

What is the lowest CommBank home loan rate?

CommBank's lowest variable home loan rate is currently 6.15% p.a., and its lowest fixed rate is 6.34% p.a., based on the 32 CommBank products Ratesniffers ranks by comparison rate, refreshed daily (last updated 29 July 2026). The advertised rate isn't always the rate CommBank approves, a broker can often negotiate a sharper deal on your scenario.

How does CommBank's home loan rate compare to the market?

CommBank's lowest variable home loan rate today is 6.15% p.a., which is 6 basis points above the market median of 6.09% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking CommBank to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where CommBank sits right now rather than a fixed snapshot.

How many home loan products does CommBank offer?

Ratesniffers currently tracks 38 CommBank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 32 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.

Is CommBank competitive for refinancing?

It depends on your loan size and LVR. CommBank's lowest comparison rate is currently 6.19% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing CommBank against the sharpest available rate usually pays off.

How often are CommBank's home loan rates updated?

Ratesniffers refreshes CommBank's home loan rates daily; this page was last updated 29 July 2026. Rates can change whenever CommBank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.

CommBank rates by borrower and loan type

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