CommBank
1 year Fixed Rate Home Loan (Investment)
An investment home loan where the interest rate is fixed for 1 year.
Home loansBank updated 23 Sept 2026
At a glance
- Max LVR
- 95%
- Annual fee
- $428
- Features
- redraw
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedInvestment - Interest Only payment type with Package | Investment · Interest only | 1 yr fixed | $10,000+ | 6.92% | 8.83% | — |
| FixedInvestment - Interest Only payment type with Package (Interest in Advance) - an additional 0.20% p.a. discount applies to Interest in Advance loans | Investment · Interest only | 1 yr fixed | $10,000+ | 6.92% | — | — |
| FixedInvestment - Principal and Interest repayment type with Package | Investment · P&I | 1 yr fixed | $10,000+ | 6.84% | 8.82% | — |
§ 02 — Fees · 17
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Trust Investigation Fee and UTC Clause 2.1e | Enquiry | Varies | — | To be advised when we calculate the fee. Payable if we incur investigation cost for loans involving a Trust. This fee applies even if we don't give you a loan. (Refer to UTC Clause 2.1) |
| Voucher Fee | Enquiry | $12 | — | Payable if you ask us to retrieve a voucher (i.e. deposit, credit or debit slips) that records a transaction on the Loan Account. $4 per voucher (minimum charge $12) or $60 per hour spent to retrieve… |
| Additional Security Fee | Event | $150 | — | Payable if we require you to provide more than one security (i.e. the security used to support the repayment of the loan), and one or more of these securities is 'new' i.e. does not already secure an… |
| Administrative Fee | Event | $50 | — | An Administrative fee is payable if you repay your home loan in full before the fixed interest rate period expires; or make partial prepayments which exceed $10,000 in any year of your fixed rate loa… |
| Early Repayment Adjustment Fee | Event | Varies | — | An Early Repayment Adjustment is payable if you make partial prepayments on a fixed rate loan which exceed $10,000 in any year of your fixed rate loan (including paying the loan off in full); or make… |
| Late Payment Fee | Event | $20 | — | For home loans - If your account falls into arrears, you will be charged a late payment fee. This fee is payable on the fifth business day after the monthly repayment due date. We will continue to ch… |
| Lenders' Mortgage Insurance/Low Deposit Premium | Event | Varies | — | Lenders' Mortgage Insurance (LMI) or Low Deposit Premium (LDP) may apply where there is an increased risk associated with a home loan. The circumstances of your loan determine whether a loan will inc… |
| Rate Lock Fee | Event | $750 | — | $750 per Rate Lock. Payable if you elect to lock in your interest rates and is charged when we set up your home loan or when your rate lock request is processed (if requested later). This non-refunda… |
| Security Guarantee Fee | Event | $200 | — | Payable if a guarantor is listed on the loan schedule. Fee is applied per borrower. |
| Security Substitution Fee | Event | $300 | — | Payable if you ask us to substitute one of your securities with another. |
| Settlement Cheque Fee | Event | $30 | — | Payable if you require additional cheques (more than two) to fund / settle the loan. Fee applied per cheque. |
| Settlement Fee (Discharge) | Event | $350 | — | Payable if you discharge the loan, i.e. either sell part or all of the Security Property or refinance your Loan with another credit provider. |
| Settlement Fee | Event | $200 | — | $150 if the disclosure date in the contract is before 03/02/12. Payable regardless of whether we attend settlement or not, when the Bank or our representatives, arranges the funding of the loan. |
| Stop Payment Notice Fee | Event | $15 | — | Payable if you ask us to stop payment on a cheque you have written. Fee is applied per request. |
| Annual Service Fee | Periodic | $33 | Every 1 yr | Payable if your home loan is with the former State Bank of Victoria and the terms and conditions state the fee is required. |
| Home Loan Package Fee | Periodic | $395 | Every 1 yr | The fee is charged annually to your nominated account when your home loan has package benefits included under the Wealth Package (non-broker customers only) or Mortgage Advantage (broker customers on… |
| Periodical Payments or Transfers | Variation | $1.80 | — | $1.80 plus transfer fee, bank cheque fee and postage as applicable. Payable if you arrange a periodical payment or ask us to transfer funds. |
§ 03 — Features
RedrawGuarantor optionDigital banking
- · 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 H…
- · 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…
- · 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 cont…
- · 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…
- · 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 Administrative Fee and Early Repaym…
- · 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 Pa…
- · This loan can be used for the purposes of investment property purchases, refinancing your existing home loan, purchasing of vacant land (non-commercial) and personal needs (e.g.home renovations, cons…
- · This loan cannot be used for business purposes, bridging loans, off the plan purchases and building/construction purposes
- · If you have a Fixed Rate Investment Home Loan with Interest Only payments, you can pay Interest 12 months in advance and there is only one interest rate option, being Interest Only rate less a 0.20%…
- · At Maturity of the fixed term, the Fixed Rate Home loan will switch to SVR Investment Home loan and the interest rate will revert to the SVR Rate applicable to your loan and repayment type.
- · 1-30 years
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: CITIZEN, PERMANENT_RESIDENT
- · Available to individuals
- · Available to businesses
- · Maximum LVR 95%
- · Opening balance $10,000
- · Applications for home loans are subject to the Bank's normal credit approval.
§ 06 — Run the numbers
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Published by CommBank under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.