CommBank · Owner-occupier · Updated November 2026

CommBank Owner-occupier Home Loans, November 2026

CommBank lists 24 owner occupier home loans in the Ratesniffers index today. The lowest is 6.59% p.a. (comparison rate 6.72% p.a.), on Simple Home Loan <60% LVR Owner Occupied P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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CommBank owner occupier home loan rates, November 2026

CommBankSimple Home Loan <60% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.59%p.a.

Comparison*

6.72%p.a.

Est. repayment

$3,190

LVR ≤60%

Enquire

CommBankSimple Home Loan 60% - 70% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.64%p.a.

Comparison*

6.77%p.a.

Est. repayment

$3,207

LVR 60 to 70%

Enquire

CommBankSimple Home Loan 70% - 80% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.74%p.a.

Comparison*

6.87%p.a.

Est. repayment

$3,240

LVR 70 to 80%

Enquire

CommBankMAV 1 Year Fixed Owner Occupied IO

1y Fixed

Interest

6.94%p.a.

Comparison*

Not available

Est. interest only / month

$2,892

LVR ≤80%

Based on a $500,000 balance

Enquire

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

CommBankMAV 1 Year Fixed Owner Occupied IO

1y Fixed

Interest

6.94%p.a.

Comparison*

Not available

Est. interest only / month

$2,892

LVR ≤80%

Based on a $500,000 balance

Enquire

CommBankMAV $150k+ <60% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.59%p.a.

Comparison*

6.95%p.a.

Est. repayment

$3,190

LVR ≤60%

Enquire

CommBankMAV $150k+ <60% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.59%p.a.

Comparison*

6.95%p.a.

Est. repayment

$3,190

LVR ≤60%

Enquire

CommBankMAV 2 Year Fixed Owner Occupied IO

2y Fixed

Interest

6.96%p.a.

Comparison*

Not available

Est. interest only / month

$2,900

LVR ≤80%

Based on a $500,000 balance

Enquire

CommBankMAV 2 Year Fixed Owner Occupied IO

2y Fixed

Interest

6.96%p.a.

Comparison*

Not available

Est. interest only / month

$2,900

LVR ≤80%

Based on a $500,000 balance

Enquire

CommBankMAV $150k+ 60% - 70% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.64%p.a.

Comparison*

7.00%p.a.

Est. repayment

$3,207

LVR 60 to 70%

Enquire

CommBankMAV $150k+ 60% - 70% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.64%p.a.

Comparison*

7.00%p.a.

Est. repayment

$3,207

LVR 60 to 70%

Enquire

CommBankMAV 3 Year Fixed Owner Occupied IO

3y Fixed

Interest

7.04%p.a.

Comparison*

Not available

Est. interest only / month

$2,933

LVR ≤80%

Based on a $500,000 balance

Enquire

CommBankMAV 3 Year Fixed Owner Occupied IO

3y Fixed

Interest

7.04%p.a.

Comparison*

Not available

Est. interest only / month

$2,933

LVR ≤80%

Based on a $500,000 balance

Enquire

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

VariableOffsetRedraw

Interest

7.08%p.a.

Comparison*

Not available

Est. interest only / month

$2,950

LVR ≤60%

Based on a $500,000 balance

Enquire

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

VariableOffsetRedraw

Interest

7.08%p.a.

Comparison*

Not available

Est. interest only / month

$2,950

LVR ≤60%

Based on a $500,000 balance

Enquire

CommBankSimple Home Loan <60% LVR Owner Occupied IO

VariableOffsetRedraw

Interest

7.08%p.a.

Comparison*

Not available

Est. interest only / month

$2,950

LVR ≤60%

Based on a $500,000 balance

Enquire

CommBankMAV 4 Year Fixed Owner Occupied IO

4y Fixed

Interest

7.09%p.a.

Comparison*

Not available

Est. interest only / month

$2,954

LVR ≤80%

Based on a $500,000 balance

Enquire

CommBankMAV 4 Year Fixed Owner Occupied IO

4y Fixed

Interest

7.09%p.a.

Comparison*

Not available

Est. interest only / month

$2,954

LVR ≤80%

Based on a $500,000 balance

Enquire

CommBankMAV $150k+ 70% - 80% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.74%p.a.

Comparison*

7.10%p.a.

Est. repayment

$3,240

LVR 70 to 80%

Enquire

CommBankMAV $150k+ 70% - 80% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.74%p.a.

Comparison*

7.10%p.a.

Est. repayment

$3,240

LVR 70 to 80%

Enquire

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

VariableOffsetRedraw

Interest

7.13%p.a.

Comparison*

Not available

Est. interest only / month

$2,971

LVR 60 to 70%

Based on a $500,000 balance

Enquire

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

VariableOffsetRedraw

Interest

7.13%p.a.

Comparison*

Not available

Est. interest only / month

$2,971

LVR 60 to 70%

Based on a $500,000 balance

Enquire

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

VariableOffsetRedraw

Interest

7.13%p.a.

Comparison*

Not available

Est. interest only / month

$2,971

LVR 60 to 70%

Based on a $500,000 balance

Enquire

CommBankSimple Home Loan 80% - 90% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

7.04%p.a.

Comparison*

7.17%p.a.

Est. repayment

$3,340

LVR 80 to 90%

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 · Owner-occupier

CommBank owner-occupier home loans, what to weigh

CommBank's owner-occupier panel, P&I and offset-eligible products at every LVR band, ranked sharpest-first by comparison rate. 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 owner-occupier option has the same price.