Owner Occupier home loan interest rates

Loan / Facility type
Reference Rate Name
Reference Rate p.a.
Comparison rate p.a.
Off-sale dates and conditions
3 Year Special Economiser/Rate Saver
Base Variable Rate*
7.87%
8.34%
29 September 2018. No longer available for new fundings.
3 Year Special Economiser/Rate Saver
Base Variable Interest Only Rate*
8.36%
8.56%
29 September 2018. No longer available for new fundings.
Economiser/Rate Saver
Base Variable Rate
8.34%
8.48%
29 September 2018. No longer available for new fundings.
Economiser/Rate Saver
Base Variable Interest Only Rate
8.83%
8.70%
29 September 2018. No longer available for new fundings.
No Fee
No Fee Variable Rate
8.10%
8.10%
29 September 2018. No longer available for new fundings.
No Fee
No Fee Variable Interest Only Rate
8.59%
8.32%
29 September 2018. No longer available for new fundings.
Extra Variable Rate (2 Year Introductory Rate)
Extra Variable Rate*
8.03%
7.81%
01 October 2020. No longer available for new fundings.
Extra Variable Rate (4 Year Introductory Rate)
Extra Variable Rate*
8.03%
7.69%
01 October 2020. No longer available for new fundings.
Extra Variable Interest Only Rate (2 Year Introductory Rate)
Extra Variable Interest Only Rate*
8.59%
8.06%
01 October 2020. No longer available for new fundings.
Extra Variable Interest Only Rate (4 Year Introductory Rate)
Extra Variable Interest Only Rate*
8.59%
7.95%
01 October 2020. No longer available for new fundings.
Viridian Line of Credit
Residential Equity Rate
10.28%
-
03 June 2023. No longer available for new fundings or limit increases.
Equity Unlock Loan for Seniors
Residential Equity Rate
9.70%
-
01 January 2019. No longer available for new fundings or limit increases.
MISA (for eligible loans only. Full offset on Standard Variable Rate loans, and 1.50% partial offset on Fixed Rate loans)
-
-
-
16 March 2019. No longer available for sale, or able to be activated or reactivated, for any loan.

If you switch or split your loan, your MISA may be closed and cannot be reactivated or reopened. You will not be able to open a new MISA feature on your new loan(s) 

Viridian Line of Credit Excess Drawing Rate is 10.28% p.a.

Investment home loan interest rates

Loan / Facility type
Reference Rate Name
Reference Rate p.a.
Comparison rate p.a.
Off-sale dates and conditions
3 Year Special Economiser/Rate Saver
Investment Home Loan Base Variable Rate*
8.55%
8.95%
29 September 2018. No longer available for new fundings.
3 Year Special Economiser/Rate Saver
Investment Home Loan Base Variable Interest Only Rate*
8.81%
9.07%
29 September 2018. No longer available for new fundings.
Economiser/Rate Saver
Investment Home Loan Base Variable Rate
8.92%
9.06%
29 September 2018. No longer available for new fundings.
Economiser/Rate Saver
Investment Home Loan Base Variable Interest Only
9.18%
9.18%
29 September 2018. No longer available for new fundings.
No Fee
Investment Home Loan No Fee Variable Rate
8.68%
8.68%
29 September 2018. No longer available for new fundings.
No Fee
Investment Home Loan No Fee Variable Interest Only Rate
8.94%
8.80%
29 September 2018. No longer available for new fundings.
Extra Variable Rate (2 Year Introductory Rate) 
Investment Home Loan Extra Variable Rate*
8.38%
8.14%
01 October 2020. No longer available for new fundings.
Extra Variable Rate (4 Year Introductory Rate)
Investment Home Loan Extra Variable Rate*
8.38%
8.02%
01 October 2020. No longer available for new fundings.
Extra Variable Interest Only Rate (2 Year Introductory Rate) 
Investment Home Loan Extra Variable Interest Only Rate*
8.94%
8.41%
01 October 2020. No longer available for new fundings.
Extra Variable Interest Only Rate (4 Year Introductory Rate)
Investment Home Loan Extra Variable Interest Only Rate*
8.94%
8.28%
01 October 2020. No longer available for new fundings.
Viridian Line of Credit
Investment Residential Equity Rate
10.28%
-
03 June 2023. No longer available for new fundings or limit increases.
MISA (for eligible loans only. Full offset on Standard Variable Rate loans, and 1.50% partial offset on Fixed Rate loans)
-
-
-
16 March 2019. No longer available for sale, or able to be activated or reactivated, for any loan.

If you switch or split your loan, your MISA may be closed and cannot be reactivated or reopened. You will not be able to open a new MISA feature on your new loan(s) 

Viridian Line of Credit Excess Drawing Rate is 10.28% p.a.

Comparison rate warning

Download home loan interest rates for on-sale products (PDF)

Compare our home loans

Message us 24/7

Get instant help from Ceba in the CommBank app or connect with a specialist who can message you back. You’ll need CommBank app notifications turned on so you know when you’ve received a reply. 

Message us

Get help

Things you should know

  • * The associated rate includes a margin below or above the applicable reference rate that applies for new lending only.

    Please refer to our Home Loan Fact Sheets for details regarding our loans. The reference rate for your loan will depend on the repayment type you select – Principal and Interest or Interest Only. Interest Only period switches and extensions can be requested in both years and/or months via selected processes. The reference rate applicable for an Interest Only period applied in years and/or months will be the same as the Interest Only reference rate applicable to your loan type. Talk to your lender for more information

    Rates are subject to change. Applications are subject to normal credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable.

    Comparison rate calculated on a $150,000 secured loan over a 25-year term. WARNING: Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for variable Interest Only loans are based on an initial 5-year Interest Only period. Comparison rates for fixed Interest Only loans are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.