CommBankDigi Home Loan (Owner Occupied)
A digital home loan with a low variable rate
At a glance
- Variable (owner occ. P&I)
- 6.34%6.36% comparison
- Max LVR
- 80%
- 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 |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.39% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 54th lowest of 104, level with 5 others |
Rates
Every rate CommBank publishes for this home loan, 6 in all.
Variable rate by LVR
Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- ≤60%6.34%
- 60–70%6.37%
- 70–80%6.39%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableOwner Occupied with Interest Only payment type | Owner occupied, Interest only | - | ≤60% LVR | 6.83% | 6.57% | - |
| VariableOwner Occupied with Interest Only payment type | Owner occupied, Interest only | - | 60–70% LVR | 6.86% | 6.60% | - |
| VariableOwner Occupied with Interest Only payment type | Owner occupied, Interest only | - | 70–80% LVR | 6.88% | 6.62% | - |
| VariableOwner Occupied with Principal and Interest repayment type | Owner occupied, P&I | - | ≤60% LVR | 6.34% | 6.36% | - |
| VariableOwner Occupied with Principal and Interest repayment type | Owner occupied, P&I | - | 60–70% LVR | 6.37% | 6.39% | - |
| VariableOwner Occupied with Principal and Interest repayment type | Owner occupied, P&I | - | 70–80% LVR | 6.39% | 6.41% | - |
Rate changes
6 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Variable, Owner occupied, Interest only, ≤60% LVR | 6.58% | 6.83% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, Interest only, 60–70% LVR | 6.61% | 6.86% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, Interest only, 70–80% LVR | 6.63% | 6.88% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, ≤60% LVR | 6.09% | 6.34% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, 60–70% LVR | 6.12% | 6.37% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, 70–80% LVR | 6.14% | 6.39% | 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
9 fees published, grouped by when they're charged.
When you take it out1
- Establishment Fee
Payable to cover the costs the Bank incurs in establishing your loan and unless it is waived by us, is payable at the date of settlement or funding. It does not include other fees and charges also pa…
$300
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. This fee is payable on the fifth business day after the monthly repayment due date. We will continue to ch…
$20 5 days after it's due
When particular things happen7
- 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 - Paper Statement Fee
Payable if you opt out of electronic statements and request bi-annual paper statements, ask us to print a statement or provide you with an ad-hoc paper statement.
$2.50 - Security Substitution Fee
Payable if you ask us to substitute one of your securities with another.
$300 - Settlement Cheque Fee
$30 per cheque. Payable if you require additional cheques (more than two) to fund/settle the loan.
$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 - Stop Payment Notice Fee
Payable if you ask us to stop payment on a cheque you have written.
$15 - Switching Fee
Payable when switching your loan purpose, repayment type or product type.
$50
Features
- You can switch your loan or repayment type, for example switching from a Digi Home Loan to a Standard Variable Rate or a Fixed Rate home loan or switch from Principal and Interest repayments to Inter…
- This loan can be used for the purposes of purchases, refinancing your existing home loan from other financial institution, personal needs (e.g. home renovations, consolidation of personal debt) and p…
- This loan cannot be used for business purposes, off the plan purchases, purchase of land, building and construction loans or bridging loans.
Eligibility and limits
- Minimum age 18
- Residency: CITIZEN, PERMANENT_RESIDENT
- Available to individuals
- Amount from $100,000, no maximum
- Maximum LVR 80%
- Minimum balance $1,000
- Customers must have a loan to value ratio of no more than 80% (i.e. at least a 20% deposit), unless postcode restrictions apply which may require a higher deposit amount.
- Customers are comfortable to self-serve online, submit their Digi Home Loan application via online channels (e.g. NetBank and CommBank app), and use the CommBank app to complete the application.
- CBA home loan customers cannot switch or internally re-finance into a digital home loan product.
- Available only for customers purchasing or refinancing their loan from another financial institution to CommBank.
- 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.