# Home Loan Interest Rates

Back to Interest Rates and Fees

## Owner Occupied Home Loans

Product | Interest Rate | Comparison Rate | MAV Package Rates p.a. ** | MAV Package Comparison Rates p.a. ** | Effective Date |
---|---|---|---|---|---|

Extra Home Loan | 4.19% p.a.* | 4.30% p.a. | 26 August 2016 | ||

Extra Home Loan (2 Year Introductory Rate) | 4.04% p.a.* | 4.46% p.a. | 26 August 2016 | ||

No Fee Variable Rate | 4.52% p.a. | 4.52% p.a. | ~ | ~ | 19 August 2016 |

Standard Variable Rate | 5.22% p.a. | 5.37% p.a. | Discount based on total home lending balance | ~ | 19 August 2016 |

12 Month Discounted Variable Rate | 4.52% p.a. | 5.30% p.a. | ~ | ~ | 19 August 2016 |

1 Year Guaranteed Rate | 4.39% p.a. | 5.28% p.a. | ~ | ~ | 09 November 2015 |

Rate Saver | 4.76% p.a. | 4.91% p.a. | ~ | ~ | 19 August 2016 |

3 Year Special Rate Saver | 3.99% p.a. | 4.57% p.a. | ~ | ~ | 26 August 2016 |

1 Year Fixed Rate | 4.54% p.a. | 5.30% p.a. | 4.39% p.a. | 5.09% p.a. | 09 November 2015 |

2 Year Fixed Rate | 4.14% p.a. | 5.16% p.a. | 3.99% p.a. | 5.00% p.a. | 02 December 2016 |

3 Year Fixed Rate | 4.24% p.a. | 5.10% p.a. | 4.09% p.a. | 4.96% p.a. | 02 December 2016 |

4 Year Fixed Rate | 4.54% p.a. | 5.13% p.a. | 4.39% p.a. | 5.01% p.a. | 02 December 2015 |

5 Year Fixed Rate | 4.74% p.a. | 5.16% p.a. | 4.59% p.a. | 5.07% p.a. | 02 December 2016 |

7 Year Fixed Rate | 7.74% p.a. | 6.83% p.a. | 7.59% p.a. | 6.77% p.a. | 12 August 2011 |

Equity Unlock Loan for Seniors | 6.37% p.a. | 6.45% p.a. | ~ | ~ | 19 August 2016 |

Viridian Line of Credit Residential Equity Rate | 5.78% p.a. | ~ | Discount based on total home lending balance | ~ | 16 December 2016 |

All Viridian Line of Credit Excess Drawing Rate, Monthly | 17.94% p.a. | ~ | ~ | ~ | 5 November 2010 |

MISA Offset Rate - Standard Variable Rate* | 5.22% p.a. | ~ | ~ | ~ | 19 August 2016 |

MISA Offset Rate - All Fixed Rate Loans | 1.50% p.a. | ~ | ~ | ~ | 10 November 2008 |

*Calculated based on current Extra Home Loan reference rate 4.52% p.a. and current discounts on offer, see Product Margin and Product Margin (Introductory Discounts)

## Investment Home Loans

Product | Interest Rate | Comparison Rate | MAV Package Rates p.a. ** | MAV Package Comparison Rates p.a. ** | Effective Date |
---|---|---|---|---|---|

Extra Investment Home Loan | 4.53% p.a.* | 4.64% p.a. | 16 December 2016 | ||

Extra Investment Home Loan (2 Year Introductory Rate) | 4.38% p.a.* | 4.80% p.a. | 16 December 2016 | ||

No Fee Variable Rate | 4.86% p.a. | 4.86% p.a. | ~ | ~ | 16 December 2016 |

Standard Variable Rate | 5.56% p.a. | 5.70% p.a. | Discount based on total home lending balance | ~ | 16 December 2016 |

12 Month Discounted Variable Rate | 4.86% p.a. | 5.64% p.a. | ~ | ~ | 16 December 2016 |

1 Year Guaranteed Rate | 4.79% p.a. | 5.63% p.a. | ~ | ~ | 31 July 2015 |

Rate Saver | 5.10% p.a. | 5.25% p.a. | ~ | ~ | 16 December 2016 |

3 Year Special Rate Saver | 4.26% p.a. | 4.89% p.a. | ~ | ~ | 16 December 2016 |

1 Year Fixed Rate | 4.74% p.a. | 5.62% p.a. | 4.59% p.a. | 5.41% p.a. | 02 December 2016 |

2 Year Fixed Rate | 4.34% p.a. | 5.47% p.a. | 4.19% p.a. | 5.30% p.a. | 02 December 2016 |

3 Year Fixed Rate | 4.44% p.a. | 5.40% p.a. | 4.29% p.a. | 5.25% p.a. | 02 December 2016 |

4 Year Fixed Rate | 4.74% p.a. | 5.42% p.a. | 4.59% p.a. | 5.29% p.a. | 02 December 2016 |

5 Year Fixed Rate | 4.94% p.a. | 5.44% p.a. | 4.79% p.a. | 5.34% p.a. | 02 December 2016 |

7 Year Fixed Rate | 7.74% p.a. | 6.97% p.a. | 7.59% p.a. | 6.91% p.a. | 12 August 2011 |

Viridian Line of Credit Residential Equity Rate | 5.78% p.a. | ~ | Discount based on total home lending balance | ~ | 16 December 2016 |

All Viridian Line of Credit Excess Drawing Rate, Monthly | 17.94% p.a. | ~ | ~ | ~ | 5 November 2010 |

MISA Offset Rate - Standard Variable Rate* | 5.56% p.a. | ~ | ~ | ~ | 16 December 2016 |

MISA Offset Rate - All Fixed Rate Loans | 1.50% p.a. | ~ | ~ | ~ | 10 November 2008 |

*Calculated based on current Extra Home Loan reference rate 4.86% p.a. and current discounts on offer, see Product Margin and Product Margin (Introductory Discounts)

**Low Doc Home Loans established before 1 April 2012**

Below are the current reference rates applicable to variable rate Low Doc Home Loans established before 1 April 2012:

**Owner Occupied Home Loans**

Product | Interest Rate | Comparison Rate | Effective Date |
---|---|---|---|

Low Doc Standard Variable Rate | 5.52% p.a. | 5.66% p.a. | 19 August 2016 |

Low Doc Economiser Base Variable Rate | 5.06% p.a. | 5.21% p.a. | 19 August 2016 |

Low Doc Variable Rate (Residential Equity Rate) | 5.93% p.a. | ~ | 19 August 2016 |

**Investment Home Loans**

Product | Interest Rate | Comparison Rate | Effective Date |
---|---|---|---|

Low Doc Standard Variable Rate | 5.86% p.a. | 6.00% p.a. | 16 December 2016 |

Low Doc Economiser Base Variable Rate | 5.40% p.a. | 5.55% p.a. | 16 December 2016 |

Low Doc Variable Rate (Residential Equity Rate) | 6.08% p.a. | ~ | 16 December 2016 |

* For Standard Variable Rate loans (including 12 Month Discounted Variable Rate / 1 Year Guaranteed Rate) the MISA off set rate will equal the loan interest rate.

**Conditions apply visit commbank.com.au or speak to your lender/broker. To be eligible for a package, you must have an initial 'total home lending balance' of at least $150,000 and pay the annual package fee of $395, debited to any Commonwealth Bank transaction account or Commonwealth Bank Credit Card. The package discount that applies is based on your 'total home lending balance'. Total home lending balance is the sum of the account balance of home lending accounts and the credit limit of the Viridian line of credit accounts that you have with us. Any extra repayment that you make on your home loan will reduce your total home lending balance. Customers with Low Doc Home Loans are not eligible to apply for packages. For more information refer to the Wealth Package/MAV Fact Sheet.

All Comparison Rates are calculated on the basis of secured credit of $150,000 over a 25 year term.

WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.