An owner occupied home loan where the interest rate is fixed for 3 years.
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 |
|---|---|---|---|---|---|
| 7.04% | 8.30% | Fixed · 3 years · owner occupied · interest only · $10,000–$99,999,999 | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.89% | 8.26% | Fixed · 3 years · owner occupied · principal and interest · $10,000–$99,999,999 | Package rate: an annual package fee usually applies | 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/d7c55e295f504692a54360f0d2092c43- Content hash
sha256 aada61d613580bb7bdbfca598e6d8b4fa8597c4fb56279a14d5011e9c952d5f4- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_aada61d613580bb7_da84708eShow details
- Checked
- 1 Nov 2026
- URL
https://api.commbank.com.au/public/cds-au/v1/banking/products/d7c55e295f504692a54360f0d2092c43- Content hash
sha256 aada61d613580bb7bdbfca598e6d8b4fa8597c4fb56279a14d5011e9c952d5f4- Excerpt
- —
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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 |
|---|---|---|
| Annual Service Fee | Periodic | $33.00 |
| Home Loan Package Fee | Periodic | $395.00 |
| Additional Security Fee | Event | $150.00 |
| Administrative Fee | Event | $50.00 |
| Early Repayment Adjustment Fee | Event | Set in your letter of offer |
| Rate Lock Fee | Event | $750.00 |
| Security Guarantee Fee | Event | $200.00 |
| Security Substitution Fee | Event | $300.00 |
| Settlement Cheque Fee | Event | $30.00 |
| Settlement Fee | Event | $200.00 |
| Settlement Fee (Discharge) | Event | $350.00 |
| Stop Payment Notice Fee | Event | $15.00 |
| Late Payment Fee | Late payment | $20.00 |
| Lenders' Mortgage Insurance/Low Deposit Premium | Other | Set in your letter of offer |
| Periodical Payments or Transfers | Variation | Set in your letter of offer |
| Trust Investigation Fee and UTC Clause 2.1 | Enquiry | Set in your letter of offer |
| Voucher Fee | Enquiry | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Redraw | Redraw is not available during a fixed rate period. However, if you do make additional repayments during a fixed rate period, or had available redraw when you entered your fixed rate period, the redraw feature will become available at the expiry of the fixed rate. The amount available is adjusted so that at the end of your agreed loan term, both your loan balance and the available redraw will be zero. | |
| 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. | |
| Guarantor | A guarantor is someone who agrees to be responsible for repaying a debt owed to us under a loan provided to another individual or business if the borrower (or borrowers) cannot make their repayments. A guarantor supports the loan by providing us with an additional security such as their home. By providing a guarantee, we may lend to the borrower in situations where they may not have been able to secure the full amount of the loan they require. | |
| Other | 1-30 years | |
| Other | At Maturity of the fixed term, the Fixed Rate Home loan will switch to SVR Home loan and the interest rate will revert to the SVR Rate applicable to your loan and repayment type. | |
| Other | Enjoy home loan interest rate discounts, and waivers on certain fees (subject to eligibility criteria). To receive these benefits your home loan must be receiving Package benefits under the Wealth Package (non-broker customers only) or Mortgage Advantage (broker customers only). | |
| Other | Fixed Rates are subject to change up until funding. 'Rate Lock' is an optional feature that allows you to lock in your reference interest rates on new Fixed Rate Home Loan and Fixed Rate Investment Home Loan applications for 90 days for a non-refundable fee, charged per fixed rate loan account. This excludes Home Seeker applications, CommBank Green Loan applications, switching, splitting, top-ups, loan purpose transfers or repayment changes. Rate Lock can be requested any time before loan documents are issued and the reference interest rates applicable to your Rate Lock will be on the date we receive the completed Rate Lock consent from all applicants. The Rate Lock fee will be debited from your Related Account when the Rate Lock request is processed. If there are insufficient funds in that account, or the account is no longer open, then the Rate Lock fee will be charged to your home loan and your home loan will go into arrears (and fees may be charged). The 90 days commences when the Rate Lock request is processed. You can ask us to break the Rate Lock before funding (for example, if rates go down) and revert to the reference interest rates available on the funding date. | |
| Other | Splitting is when you divide one loan into two or more loan accounts, generally with different loan types, repayment types or interest rates. You may be charged an Early Repayment Adjustment fee if you split your fixed rate loan. | |
| Other | Switching is a change to one or more aspects of your loan's terms and conditions, for example switching from a variable rate to a fixed rate or switching from Interest Only payments to Principal and Interest repayments. You may be charged an Administrative Fee and Early Repayment Adjustment if you switch out of your fixed rate loan. | |
| Other | This loan can be used for the purposes of owner occupied property purchases, refinancing your existing home loan, purchasing of vacant land (non-commercial) and personal needs (e.g. home renovations, consolidation of personal debt and personal investments). | |
| Other | This loan cannot be used for business purposes, bridging loans, off the plan purchases and building/construction purposes | |
| Other | Through a top up you can borrow an additional $10,000 or more - subject to equity held in your property and our approval. However it's important to know that a top up would break your fixed rate contract and Administrative Fee and an Early Repayment Adjustment (ERA) may apply. Please contact us to discuss this. They are not permitted during the Interest in Advance period. | |
| Other | You can make additional repayments of up to $10,000 for each year of your fixed rate loan, without incurring additional charges. Excluding Interest in advance periods. Administrative Fee and an Early Repayment Adjustment (ERA) may apply. See the 'Additional repayments' section in the Fixed Rate Home Loan fact sheet for more details. | |
| Bonus rewards | 20000 | Earn up to 20,000 CommBank Yello points annually if you hold an eligible 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. |
| 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 | ||
| Eligibility: business | Non-trading Companies and/or Family/Unit/Hybrid Trusts. | |
| Eligibility: min age | 18 | Individuals (natural persons, including as Trustee of a Family Trust) must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older. |
| Eligibility: other | Applications for home loans are subject to the Bank's normal credit approval. | |
| Eligibility: residency status | CITIZEN, PERMANENT_RESIDENT | Individuals must either be living in Australia as an Australian citizen, New Zealand citizen, Australian permanent resident or specified temporary Australian resident; or be an overseas citizen co-borrowing with an Australian citizen or Australian permanent resident or be living overseas as an Australian citizen or Australian permanent resident. |
| Limit: opening balance | 10000.00 | |
| Limit: max lvr | 0.95 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 3 years · owner occupied · principal and interest · $10,000–$99,999,999 | 1 Nov 2026 | Current | 6.89% | 8.26% |
| Fixed · 3 years · owner occupied · interest only · $10,000–$99,999,999 | 1 Nov 2026 | Current | 7.04% | 8.30% |
*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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