CommBankStandard Variable Rate Home Loan (Investment)
A competitive variable rate home loan with access to offset and an extensive range of features.
At a glance
- Variable (investor P&I)
- 6.79%
- Max LVR
- 95%
- Annual fee
- $33
- Features
- offset, redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Investor variable home loanInvestment, principal & interest, 80% LVR | 6.94% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 80th lowest of 104, level with one other |
Rates
Every rate CommBank publishes for this home loan, 10 in all.
Variable rate by LVR
Investment, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- ≤60%6.79%
- 60–70%6.84%
- 70–80%6.94%
- 80–90%7.29%
- 90–95%8.09%
| 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+ | 7.05% | 7.25% | - |
| VariableInvestment - Interest Only repayment type with Package | Investment, Interest only | - | 60–70% LVR, $10,000+ | 7.10% | 7.30% | - |
| VariableInvestment - Interest Only repayment type with Package | Investment, Interest only | - | 70–80% LVR, $10,000+ | 7.20% | 7.40% | - |
| VariableInvestment - Interest Only repayment type with Package | Investment, Interest only | - | 80–90% LVR, $10,000+ | 7.55% | 7.75% | - |
| VariableInvestment - Principal and Interest repayment type with Package | Investment, P&I | - | ≤60% LVR, $10,000+ | 6.79% | 7.16% | - |
| VariableInvestment - Principal and Interest repayment type with Package | Investment, P&I | - | 60–70% LVR, $10,000+ | 6.84% | 7.21% | - |
| VariableInvestment - Principal and Interest repayment type with Package | Investment, P&I | - | 70–80% LVR, $10,000+ | 6.94% | 7.31% | - |
| VariableInvestment - Principal and Interest repayment type with Package | Investment, P&I | - | 80–90% LVR, $10,000+ | 7.29% | 7.66% | - |
| VariableInvestment - Principal and Interest repayment type with Package | Investment, P&I | - | 90–95% LVR, $10,000+ | 8.09% | 8.45% | - |
Rate changes
9 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Variable, Investment, Interest only, ≤60% LVR, $10,000+ | 6.80% | 7.05% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, Interest only, 60–70% LVR, $10,000+ | 6.85% | 7.10% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, Interest only, 70–80% LVR, $10,000+ | 6.95% | 7.20% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, Interest only, 80–90% LVR, $10,000+ | 7.30% | 7.55% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, ≤60% LVR, $10,000+ | 6.54% | 6.79% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, 60–70% LVR, $10,000+ | 6.59% | 6.84% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, 70–80% LVR, $10,000+ | 6.69% | 6.94% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, 80–90% LVR, $10,000+ | 7.04% | 7.29% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, 90–95% LVR, $10,000+ | 7.84% | 8.09% | up 0.25 |
Each change is logged the night it appears in the rates CommBank publishes. See how every lender answered the RBA on the rate tracker.
Fees
16 fees published, grouped by when they're charged.
While you hold it2
- Annual Service Fee
Payable if your home loan is with the former State Bank of Victoria and the terms and conditions state the fee is required.
$33 a year - Home Loan Package Fee
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…
$395 a year
If a payment is late or fails1
- Late Payment Fee
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…
$20 5 days after it's due
When particular things happen12
- Trust Investigation Fee and UTC Clause 2.1
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)
Varies - Voucher Fee
$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…
From $12 - Additional Security Fee
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…
$150 - Early Repayment Fee Payable on SVR and Base Variable Rate (approved before 1 November 1996)
Payable if you : repay the loan early, in full or by lump sum payment; or refinance your loan internally or externally.
Varies - Progressive Drawing Fee
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.
$75 - Security Guarantee Fee
Payable if a guarantor is listed on the loan schedule. Fee is applied per borrower.
$200 - Security Substitution Fee
Payable if you ask us to substitute one of your securities with another.
$300 - Settlement Cheque Fee
Payable if you require additional cheques (more than two) to fund / settle the loan. Fee applied per cheque.
$30 - Settlement Fee (Discharge)
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.
$350 - Settlement Fee
$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.
$200 - Stop Payment Notice Fee
Payable if you ask us to stop payment on a cheque you have written. Fee is applied per request.
$15 - Periodical Payments or Transfers
$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.
From $1.80
Other fees1
- Lenders' Mortgage Insurance/Low Deposit Premium
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…
Varies
Features
- 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)
Eligibility and limits
- Minimum age 18
- Residency: CITIZEN, PERMANENT_RESIDENT
- Available to individuals
- Available to businesses
- Amount from $250,000, no maximum
- Maximum LVR 95%
- Opening balance $10,000
- Applications for home loans are subject to the Bank's normal credit approval.
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Published by CommBank under the Consumer Data Right, last changed by them on 9 Oct 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.