CommBank
Standard Variable Rate Home Loan (Investment)
A competitive variable rate home loan with access to offset and an extensive range of features.
Home loansBank updated 23 Sept 2026
At a glance
- Variable (investor P&I)
- 6.54%
- Max LVR
- 95%
- Annual fee
- $428
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 10
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| DiscountDigi Pricing Campaign adjustment: At least 10bps off the advertised LVR-tiered price guarantee for eligible new accounts. | Investment · P&I | — | — | 0.10% | — | Minimum lending amount must be greater than $150,000.; Not limited to online-only; also available through other channels |
| VariableInvestment - Interest Only repayment type with Package | Investment · Interest only | — | ≤60% LVR · $10,000+ | 6.80% | 7.00% | — |
| VariableInvestment - Interest Only repayment type with Package | Investment · Interest only | — | 60–70% LVR · $10,000+ | 6.85% | 7.05% | — |
| VariableInvestment - Interest Only repayment type with Package | Investment · Interest only | — | 70–80% LVR · $10,000+ | 6.95% | 7.15% | — |
| VariableInvestment - Interest Only repayment type with Package | Investment · Interest only | — | 80–90% LVR · $10,000+ | 7.30% | 7.50% | — |
| VariableInvestment - Principal and Interest repayment type with Package | Investment · P&I | — | ≤60% LVR · $10,000+ | 6.54% | 6.92% | — |
| VariableInvestment - Principal and Interest repayment type with Package | Investment · P&I | — | 60–70% LVR · $10,000+ | 6.59% | 6.97% | — |
| VariableInvestment - Principal and Interest repayment type with Package | Investment · P&I | — | 70–80% LVR · $10,000+ | 6.69% | 7.06% | — |
| VariableInvestment - Principal and Interest repayment type with Package | Investment · P&I | — | 80–90% LVR · $10,000+ | 7.04% | 7.41% | — |
| VariableInvestment - Principal and Interest repayment type with Package | Investment · P&I | — | 90–95% LVR · $10,000+ | 7.84% | 8.20% | — |
§ 02 — Fees · 16
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Trust Investigation Fee and UTC Clause 2.1 | 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 | — | $4 per voucher (minimum charge $12) or $60 per hour spent to retrieve voucher(s). Payable if you ask us to retrieve a voucher (i.e. deposit, credit or debit slips) that records a transaction on the L… |
| 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… |
| Early Repayment Fee Payable on SVR and Base Variable Rate (approved before 1 November 1996) | Event | Varies | — | Payable if you : repay the loan early, in full or by lump sum payment; or refinance your loan internally or externally. |
| Progressive Drawing Fee | Event | $75 | — | Payable when the Bank makes a number of progressive payments to fund your loan amount. Payable at your final drawing. Fee is applied per drawing. |
| 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. |
| Late Payment Fee | Late payment | $20 | 5 days after due | For home loans - If your account falls into arrears, you will be charged a late payment fee. The fee is payable on the fifth business day after the monthly repayment due date. We will continue to cha… |
| Lenders' Mortgage Insurance/Low Deposit Premium | Other | 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… |
| 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
Offset accountRedrawExtra repaymentsGuarantor optionDigital banking
- · You can apply to top up your home loan by an additional $10,000 or more - subject to equity in your property and our approval.
- · Ability to switch your loan or repayment type, for example switching from a Standard Variable Rate to a Fixed Rate home loan or switch from Principal and Interest repayments to Interest Only payments.
- · Ability to split your loan balance into multiple loan accounts to take advantage of both fixed and variable rate home loans. This gives you the flexibility to structure your home loan to suit your in…
- · 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), personal needs (e.g. home renovations, consol…
- · This loan cannot be used for business purposes
- · 1-30 years (Subject to our approval)
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: CITIZEN, PERMANENT_RESIDENT
- · Available to individuals
- · Available to businesses
- · Amount $250,000 to no maximum
- · Maximum LVR 95%
- · Opening balance $10,000
- · Applications for home loans are subject to the Bank's normal credit approval.
§ 06 — Run the numbers
Put this product through a calculator
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.