Compare Commbank home loan rates

Find the home loan to best suit your needs. Compare reviews, interest rates, fees and features with Ratecity to make sure you get the right loan.

The Commonwealth Bank is one of Australia’s big four banks and the most popular home loan lender in the country.

CBA offers a wide range of  fixed and variable home loans, including mortgages for first home buyers, upgraders and investors, as well as low-doc home loans and reverse mortgages.

The Commonwealth Bank offers a range of mortgage options, from lower-cost basic loans to fully featured package loans, fixed loans and standard variable loans.

CBA was founded in 1912 as a government bank, before being privatised between 1991 and 1996. 

Commonwealth Bank home loans

Extra Home Loan (Principal and Interest)
Advertised rate
3.99%
Variable
Upfront fee
$200.00
Comparison rate*
4.00%
Ongoing fee
$0 monthly
Compare
Extra Home Loan - 4 Year Introductory Rate (Principal and Interest) (First Home Buyer)
Advertised rate
3.79%
Intro 48 months
Upfront fee
$200.00
Comparison rate*
4.18%
Ongoing fee
$0 monthly
Compare
Extra Home Loan - 2 Year Introductory Rate (Principal and Interest)
Advertised rate
3.69%
Intro 24 months
Upfront fee
$200.00
Comparison rate*
4.24%
Ongoing fee
$0 monthly
Compare
Extra Investment Loan (Principal and Interest)
Advertised rate
4.44%
Variable
Upfront fee
$200.00
Comparison rate*
4.45%
Ongoing fee
$0 monthly
Compare
Extra Investment Loan - 4 Year Introductory Rate (Principal and Interest) (First Home Buyer)
Advertised rate
4.19%
Intro 48 months
Upfront fee
$200.00
Comparison rate*
4.54%
Ongoing fee
$0 monthly
Compare
Wealth Package Fixed Rate Home Loan 3 Years
Advertised rate
3.99%
Fixed - 3 years
Upfront fee
$200.00
Comparison rate*
4.93%
Ongoing fee
$395 annually
Compare
Wealth Package Fixed Rate Home Loan 4 Years
Advertised rate
4.19%
Fixed - 4 years
Upfront fee
$200.00
Comparison rate*
4.94%
Ongoing fee
$395 annually
Compare
Wealth Package Fixed Rate Home Loan 2 Years
Advertised rate
3.89%
Fixed - 2 years
Upfront fee
$200.00
Comparison rate*
4.97%
Ongoing fee
$395 annually
Compare
Wealth Package Fixed Rate Home Loan 5 Years
Advertised rate
4.39%
Fixed - 5 years
Upfront fee
$200.00
Comparison rate*
4.99%
Ongoing fee
$395 annually
Compare
Wealth Package Fixed Rate Home Loan 1 Year
Advertised rate
3.89%
Fixed - 1 year
Upfront fee
$200.00
Comparison rate*
5.04%
Ongoing fee
$395 annually
Compare
Fixed Rate Home Loan (Low Doc) 4 Years
Advertised rate
4.34%
Fixed - 4 years
Upfront fee
$800.00
Comparison rate*
5.06%
Ongoing fee
$8 monthly
Compare
Fixed Rate Home Loan 4 Years
Advertised rate
4.34%
Fixed - 4 years
Upfront fee
$800.00
Comparison rate*
5.06%
Ongoing fee
$8 monthly
Compare
Fixed Rate Home Loan (Low Doc) 3 Years
Advertised rate
4.14%
Fixed - 3 years
Upfront fee
$800.00
Comparison rate*
5.07%
Ongoing fee
$8 monthly
Compare
Fixed Rate Home Loan 3 Years
Advertised rate
4.14%
Fixed - 3 years
Upfront fee
$800.00
Comparison rate*
5.07%
Ongoing fee
$8 monthly
Compare
Fixed Rate Home Loan 2 Years
Advertised rate
4.04%
Fixed - 2 years
Upfront fee
$800.00
Comparison rate*
5.14%
Ongoing fee
$8 monthly
Compare
Fixed Rate Home Loan (Low Doc) 2 Years
Advertised rate
4.04%
Fixed - 2 years
Upfront fee
$800.00
Comparison rate*
5.14%
Ongoing fee
$8 monthly
Compare
Fixed Rate Home Loan (Low Doc) 1 Year
Advertised rate
4.04%
Fixed - 1 year
Upfront fee
$800.00
Comparison rate*
5.25%
Ongoing fee
$8 monthly
Compare
Fixed Rate Home Loan 1 Year
Advertised rate
4.04%
Fixed - 1 year
Upfront fee
$800.00
Comparison rate*
5.25%
Ongoing fee
$8 monthly
Compare
Wealth Package Fixed Rate Investment Loan 5 Years
Advertised rate
4.49%
Fixed - 5 years
Upfront fee
$200.00
Comparison rate*
5.35%
Ongoing fee
$395 annually
Compare
Wealth Package Fixed Rate Investment Loan 4 Years
Advertised rate
4.39%
Fixed - 4 years
Upfront fee
$200.00
Comparison rate*
5.38%
Ongoing fee
$395 annually
Compare
Wealth Package Fixed Rate Investment Loan 3 Years
Advertised rate
4.19%
Fixed - 3 years
Upfront fee
$200.00
Comparison rate*
5.39%
Ongoing fee
$395 annually
Compare
Wealth Package Fixed Rate Investment Loan 2 Years
Advertised rate
4.09%
Fixed - 2 years
Upfront fee
$200.00
Comparison rate*
5.46%
Ongoing fee
$395 annually
Compare
Fixed Rate Investment Loan (Low Doc) 3 Years
Advertised rate
4.34%
Fixed - 3 years
Upfront fee
$800.00
Comparison rate*
5.54%
Ongoing fee
$8 monthly
Compare
Fixed Rate Investment Loan 3 Years
Advertised rate
4.34%
Fixed - 3 years
Upfront fee
$800.00
Comparison rate*
5.54%
Ongoing fee
$8 monthly
Compare
Wealth Package Fixed Rate Investment Loan 1 Year
Advertised rate
4.14%
Fixed - 1 year
Upfront fee
$200.00
Comparison rate*
5.58%
Ongoing fee
$395 annually
Compare
Fixed Rate Investment Loan (Low Doc) 2 Years
Advertised rate
4.24%
Fixed - 2 years
Upfront fee
$800.00
Comparison rate*
5.64%
Ongoing fee
$8 monthly
Compare
Fixed Rate Investment Loan 2 Years
Advertised rate
4.24%
Fixed - 2 years
Upfront fee
$800.00
Comparison rate*
5.64%
Ongoing fee
$8 monthly
Compare
Fixed Rate Investment Loan 1 Year
Advertised rate
4.29%
Fixed - 1 year
Upfront fee
$800.00
Comparison rate*
5.79%
Ongoing fee
$8 monthly
Compare
Fixed Rate Investment Loan (Low Doc) 1 Year
Advertised rate
4.29%
Fixed - 1 year
Upfront fee
$800.00
Comparison rate*
5.79%
Ongoing fee
$8 monthly
Compare
Pros:
  • One of the largest banks in Australia gives you access to a large branch network and over 4000 ATMs Australia-wide.
  • Outstanding online banking portal and mobile banking options.
  • Package options available.
  • Wide variety of home loan products available.
Cons:
  • Interest rates may be higher than the market average on some loans.
  • Most loans charge both significant upfront fees as well as ongoing monthly fees.
Commonwealth Bank customer service:

With Netbank one of the most well known online banking portals in the country, Commonwealth Bank makes banking with them fairly easy to do. They also offer:

  • Customer service centre (phone)
  • Mobile app
  • Online banking (Netbank)
  • Email
  • Live Chat
  • Large branch network Australia-wide
  • Dedicated home loan specialists

How to Apply

When applying for a Commonwealth Bank home loan, some of the below documentation may be required:

  • You will need to be 18 years old or over to apply for a home loan.
  • You will need to have identity docuemnts available.
  • You will need to prove your income and savings to the bank when you apply for your loan, so you’ll need documents like payslips, tax returns and credit card receipts.
Compare your product with the big 4 banks, or add more products to compare
As seen on