Bankwest vs CommBank home loans June 2026

Bankwest's lowest variable home loan rate is 6.19% p.a. and CommBank's is 6.15% p.a., a gap of 4 basis points, with CommBank the lower of the two today. Both figures are ranked by comparison rate and refreshed daily, so check features and fees alongside the headline rate before deciding.

Bankwest vs CommBank at a glance

Feature	Bankwest	CommBank
Lowest variable rate	6.19% p.a.	6.15% p.a.
Lowest 3-year fixed rate	6.74% p.a.	6.79% p.a.
Lowest comparison rate	6.23% p.a.	6.19% p.a.
Products tracked	48	32
Offset available	Yes	Yes
Cashback offer	—	—

Bankwest or CommBank: which should you pick?

On the lowest advertised variable rate, CommBank sits at 6.15% p.a. and Bankwest at 6.19% p.a. On a $500,000 loan over 30 years, that gap works out to roughly $13 a month in repayments, so the rate difference is worth weighing carefully.

Both lenders offer an offset account, so if parking savings against your loan matters to you, neither rules itself out on that front.

The cheapest headline rate isn't always the rate a lender approves on your file. Your loan size, deposit and income all move the number, so the right pick between Bankwest and CommBank depends on your scenario, not just the advertised figure.

Not sure which one fits your scenario?

Advertised rates aren’t always the rate a lender approves. Get the sharper of the two negotiated against your specific numbers, at no cost.

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Bankwest vs CommBank — frequently asked questions

Who has the lower home loan rate, Bankwest or CommBank?

As of June 2026, CommBank has the lower headline variable rate at 6.15% p.a., versus 6.19% p.a. for Bankwest. Both are ranked by comparison rate and refreshed daily.

What's the difference between Bankwest and CommBank home loans?

Beyond the rate, Bankwest and CommBank differ on features. Bankwest offers an offset account, and CommBank offers one too. Ratesniffers tracks 48 Bankwest and 32 CommBank products, ranked by comparison rate and refreshed daily.

Is it worth switching from Bankwest to CommBank?

It depends on the gap and your balance. The lowest advertised variable rates differ by 4 basis points today, and on a $500,000 loan even a small gap adds up over the life of the loan. Compare the comparison rate and features, then check the rate each lender would actually approve on your file.

How often are Bankwest and CommBank rates updated?

Ratesniffers refreshes both Bankwest and CommBank home loan rates daily. Rates can change whenever either lender reprices or the RBA moves the cash rate, so the figures on this page reflect the most recent data we hold rather than a static snapshot.

Go deeper on each lender

Full product ranges, refreshed daily and ranked by comparison rate.