A digital home loan with a low variable rate
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.83% | 6.57% | Variable · owner occupied · interest only · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.86% | 6.60% | Variable · owner occupied · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.88% | 6.62% | Variable · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.34% | 6.36% | Variable · owner occupied · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.37% | 6.39% | Variable · owner occupied · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.39% | 6.41% | Variable · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This 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. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://api.commbank.com.au/public/cds-au/v1/banking/products/c1d7e8ef741e45e5b013fa7d05574e80- Content hash
sha256 a2cd965dc020c155571e9e9878084e6dab7200bb50a07385ea44a2ebaaa9caa4- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_a2cd965dc020c155_eb789294Show details
- Checked
- 1 Nov 2026
- URL
https://api.commbank.com.au/public/cds-au/v1/banking/products/c1d7e8ef741e45e5b013fa7d05574e80- Content hash
sha256 a2cd965dc020c155571e9e9878084e6dab7200bb50a07385ea44a2ebaaa9caa4- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Establishment Fee | Upfront | $300.00 |
| Settlement Cheque Fee | Event | $30.00 |
| Late Payment Fee | Late payment | $20.00 |
| Paper Statement Fee | Event | $2.50 |
| Settlement Fee (Discharge) | Event | $350.00 |
| Security Substitution Fee | Event | $300.00 |
| Stop Payment Notice Fee | Event | $15.00 |
| Voucher Fee | Enquiry | Set in your letter of offer |
| Switching Fee | Event | $50.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Extra repayments | You can make unlimited additional repayments (including the ability to pay the loan out early) without additional charge. | |
| Redraw | Unlimited fee free redraw when done online through CommBank App or NetBank. | |
| Other | You can switch your loan or repayment type, for example switching from a Digi Home Loan to a Standard Variable Rate or a Fixed Rate home loan or switch from Principal and Interest repayments to Interest Only payments. | |
| Digital banking | Wherever you are in the world, CommBank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want. | |
| Digital banking | Easily apply in minutes and download the CommBank app to proceed and manage your home loan online. | |
| Other | This loan can be used for the purposes of purchases, refinancing your existing home loan from other financial institution, personal needs (e.g. home renovations, consolidation of personal debt) and personal investments other than cryptocurrency or digital assets. | |
| Other | This loan cannot be used for business purposes, off the plan purchases, purchase of land, building and construction loans or bridging loans. | |
| Offset | An Everyday Offset account is a transaction account that's linked to your Digi Home Loan or Investment home loan. Any money you put into your Everyday Offset account (e.g. your salary and savings) - whether its $2 or $20,000 - reduces the balance on which we charge interest. This means you'll only be paying interest on the difference. You can have up to one Everyday Offset account linked to one Digi Home Loan. Only available for individual borrowers, not companies or trusts. | |
| Bonus rewards | 100000 | 100,000 bonus CommBank Yello points when you digitally originate a new CommBank Home Loan. The earning and redemption of CommBank Yello points are subject to meeting the eligibility criteria, including holding an eligible transaction account, as well as the applicable CommBank Yello terms and conditions. |
| Eligibility: natural person | Available to Individuals only (Companies and/or Family/Unit/Hybrid Trusts are excluded). | |
| Eligibility: min age | 18 | Individuals must be 18 years of age or above |
| Eligibility: other | Customers must have a loan to value ratio of no more than 80% (i.e. at least a 20% deposit), unless postcode restrictions apply which may require a higher deposit amount. | |
| Eligibility: other | Customers are comfortable to self-serve online, submit their Digi Home Loan application via online channels (e.g. NetBank and CommBank app), and use the CommBank app to complete the application. | |
| Eligibility: other | CBA home loan customers cannot switch or internally re-finance into a digital home loan product. | |
| Eligibility: other | Available only for customers purchasing or refinancing their loan from another financial institution to CommBank. | |
| Eligibility: residency status | CITIZEN, PERMANENT_RESIDENT | An individual living in Australia as: An Australian citizen, permanent resident or specified temporary Australian resident; New Zealand citizen; or overseas citizen co-borrowing with an Australian citizen or permanent resident. Or an individual living and working overseas as an Australian citizen or permanent resident. |
| Eligibility: other | Applications for home loans are subject to the Bank's normal credit approval. | |
| Limit: min balance | 1000.00 | |
| Limit: min limit | 100000.00 | |
| Limit: max lvr | 0.80 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.86% | 6.60% |
| Variable · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.37% | 6.39% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.39% | 6.41% |
| Variable · owner occupied · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.34% | 6.36% |
| Variable · owner occupied · interest only · LVR 60% or less | 1 Nov 2026 | Current | 6.83% | 6.57% |
| Variable · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.88% | 6.62% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This 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. Fees and charges are payable.
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