CommBank · Offset · Updated September 2026

CommBank Offset Account Home Loans, September 2026

CommBank lists 24 offset home loans in the Ratesniffers index today. The lowest is 6.49% p.a. (comparison rate 6.85% p.a.), on Digi Home Loan (Owner Occupied). Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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CommBank offset home loan rates, September 2026

CommBankMAV $150k+ <60% LVR Investment IO

VariableOffsetRedraw

Interest

6.80%p.a.

Comparison*

Not available

Est. repayment

$3,260

LVR ≤60%

Enquire

CommBankMAV $150k+ <60% LVR Investment IO

VariableOffsetRedraw

Interest

6.80%p.a.

Comparison*

Not available

Est. repayment

$3,260

LVR ≤60%

Enquire

CommBankSimple Home Loan <60% LVR Investment IO

VariableOffsetRedraw

Interest

6.80%p.a.

Comparison*

Not available

Est. repayment

$3,260

LVR ≤60%

Enquire

CommBankMAV $150k+ <60% LVR Owner Occupied IO

VariableOffsetRedraw

Interest

6.83%p.a.

Comparison*

Not available

Est. repayment

$3,270

LVR ≤60%

Enquire

CommBankMAV $150k+ <60% LVR Owner Occupied IO

VariableOffsetRedraw

Interest

6.83%p.a.

Comparison*

Not available

Est. repayment

$3,270

LVR ≤60%

Enquire

CommBankSimple Home Loan <60% LVR Owner Occupied IO

VariableOffsetRedraw

Interest

6.83%p.a.

Comparison*

Not available

Est. repayment

$3,270

LVR ≤60%

Enquire

CommBankDigi Home Loan (Owner Occupied)

VariableOffsetRedraw

Interest

6.49%p.a.

Comparison*

6.85%p.a.

Est. repayment

$3,157

LVR 70 to 80%

Enquire

CommBankStandard Variable Rate Home Loan (Owner Occupied)

VariableOffsetRedraw

Interest

6.49%p.a.

Comparison*

6.85%p.a.

Est. repayment

$3,157

LVR 70 to 80%

Enquire

CommBankSimple Home Loan (Owner Occupied)

VariableOffsetRedraw

Interest

6.49%p.a.

Comparison*

6.85%p.a.

Est. repayment

$3,157

LVR 70 to 80%

Enquire

CommBankMAV $150k+ 60% - 70% LVR Investment IO

VariableOffsetRedraw

Interest

6.85%p.a.

Comparison*

Not available

Est. repayment

$3,276

LVR 60 to 70%

Enquire

CommBankMAV $150k+ 60% - 70% LVR Investment IO

VariableOffsetRedraw

Interest

6.85%p.a.

Comparison*

Not available

Est. repayment

$3,276

LVR 60 to 70%

Enquire

CommBankSimple Home Loan 60% - 70% LVR Investment IO

VariableOffsetRedraw

Interest

6.85%p.a.

Comparison*

Not available

Est. repayment

$3,276

LVR 60 to 70%

Enquire

CommBankMAV $150k+ 60% - 70% LVR Owner Occupied IO

VariableOffsetRedraw

Interest

6.88%p.a.

Comparison*

Not available

Est. repayment

$3,286

LVR 60 to 70%

Enquire

CommBankMAV $150k+ 60% - 70% LVR Owner Occupied IO

VariableOffsetRedraw

Interest

6.88%p.a.

Comparison*

Not available

Est. repayment

$3,286

LVR 60 to 70%

Enquire

CommBankSimple Home Loan 60% - 70% LVR Owner Occupied IO

VariableOffsetRedraw

Interest

6.88%p.a.

Comparison*

Not available

Est. repayment

$3,286

LVR 60 to 70%

Enquire

CommBankMAV $150k+ 70% - 80% LVR Investment IO

VariableOffsetRedraw

Interest

6.95%p.a.

Comparison*

Not available

Est. repayment

$3,310

LVR 70 to 80%

Enquire

CommBankMAV $150k+ 70% - 80% LVR Investment IO

VariableOffsetRedraw

Interest

6.95%p.a.

Comparison*

Not available

Est. repayment

$3,310

LVR 70 to 80%

Enquire

CommBankSimple Home Loan 70% - 80% LVR Investment IO

VariableOffsetRedraw

Interest

6.95%p.a.

Comparison*

Not available

Est. repayment

$3,310

LVR 70 to 80%

Enquire

CommBankDigi Home Loan (Owner Occupied)

VariableOffsetRedraw

Interest

6.98%p.a.

Comparison*

Not available

Est. repayment

$3,320

LVR 70 to 80%

Enquire

CommBankSimple Home Loan (Owner Occupied)

VariableOffsetRedraw

Interest

6.98%p.a.

Comparison*

Not available

Est. repayment

$3,320

LVR 70 to 80%

Enquire

CommBankMAV $150k+ 70% - 80% LVR Owner Occupied IO

VariableOffsetRedraw

Interest

6.98%p.a.

Comparison*

Not available

Est. repayment

$3,320

LVR 70 to 80%

Enquire

CommBankMAV $150k+ 70% - 80% LVR Owner Occupied IO

VariableOffsetRedraw

Interest

6.98%p.a.

Comparison*

Not available

Est. repayment

$3,320

LVR 70 to 80%

Enquire

CommBankSimple Home Loan 70% - 80% LVR Owner Occupied IO

VariableOffsetRedraw

Interest

6.98%p.a.

Comparison*

Not available

Est. repayment

$3,320

LVR 70 to 80%

Enquire

CommBankDigi Home Loan (Investment)

VariableOffsetRedraw

Interest

6.95%p.a.

Comparison*

7.03%p.a.

Est. repayment

$3,310

LVR 70 to 80%

Enquire

*Important Information and Comparison Rate Warning

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.

The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.

CommBank · Offset

CommBank offset home loans, what to weigh

100% offset accounts reduce interest charged by the balance you keep in them without changing the headline rate. Best paired with salary-account direct deposit + tactical surplus parking. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every offset option has the same price.