Back to Interest Rates and Fees

## Investment Home Loans - Principal and Interest

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

Extra Investment Home Loan (life of Loan discount) <= 70% LVR | 3.65% p.a.* | 3.66% p.a. | ~ | ~ | 23 July 2019 |

Extra Investment Home Loan (life of loan discount) > 70% LVR | 3.80% p.a.* | 3.81% p.a. | ~ | ~ | 23 July 2019 |

Extra Investment Home Loan (2 Year Introductory variable Rate) | 3.70% p.a.* | 4.29% p.a. | ~ | ~ | 23 July 2019 |

Extra Investment Home Loan (4 Year Introductory variable Rate) – First Home Buyers only^ | 3.70% p.a.* | 4.18% p.a. | ~ | ~ | 23 July 2019 |

Standard Variable Rate | 5.51% p.a. | 5.65% p.a. | Discount based on total home lending balance | ~ | 23 July 2019 |

1 Year Fixed Rate | 3.79% p.a. | 5.48% p.a. | 3.64% p.a. | 5.27% p.a. | 24 September 2019 |

2 Year Fixed Rate | 3.59% p.a. | 5.29% p.a. | 3.44% p.a. | 5.12% p.a. | 24 September 2019 |

3 Year Fixed Rate | 3.79% p.a. | 5.19% p.a. | 3.64% p.a. | 5.04% p.a. | 24 September 2019 |

4 Year Fixed Rate | 3.79% p.a. | 5.06% p.a. | 3.64% p.a. | 4.94% p.a. | 24 September 2019 |

5 Year Fixed Rate | 3.79% p.a. | 4.94% p.a. | 3.64% p.a. | 4.84% p.a. | 24 September 2019 |

Viridian Line of Credit Investment Residential Equity Rate | 6.28% p.a. | ~ | Discount based on total home lending balance | ~ | 25 June 2019 |

All Viridian Line of Credit Excess Drawing Rate, Monthly | 17.94% p.a. | ~ | ~ | ~ | 05 November 2010 |

MISA Offset Rate - Standard Variable Rate*** | 5.51% p.a. | ~ | ~ | ~ | 23 July 2019 |

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

*Calculated based on current Extra (life of loan discount) Variable reference rate 4.51% p.a. and current discounts on offer, see Product Margin and Product Margin (Introductory Discounts)

^ Extra Home Loan (4 Year Introductory Variable Rate) is only available for first home buyers where none of the applicants have previously owned or currently hold an interest in property anywhere in Australia.

## Investment Home Loans - Interest Only

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

Extra (life of loan discount) Investment Home Loan <= 70% LVR | 4.33% p.a.^ | 3.93% p.a. | 23 July 2019 | ||

Extra (life of loan) Investment Home Loan > 70% LVR | 4.48% p.a.^ | 4.08% p.a. | ~ | ~ | 23 July 2019 |

Extra Investment Home Loan (2 Year Introductory Variable Rate) | 4.38% p.a.^ | 4.58% p.a. | ~ | ~ | 23 July 2019 |

Extra Investment Home Loan (4 Year Introductory Variable Rate) – First Home Buyers only^^ | 4.38% p.a.^ | 4.47% p.a. | ~ | ~ | 23 July 2019 |

Standard Variable Rate | 5.89% p.a. | 5.80% p.a. | Discount based on total home lending balance | ~ | 23 July 2019 |

1 Year Fixed Rate | 4.04% p.a. | 5.51% p.a. | 3.89% p.a. | 5.29% p.a. | 24 September 2019 |

2 Year Fixed Rate | 3.94% p.a. | 5.36% p.a. | 3.79% p.a. | 5.17% p.a. | 24 September 2019 |

3 Year Fixed Rate | 3.94% p.a. | 5.23% p.a. | 3.79% p.a. | 5.06% p.a. | 24 September 2019 |

4 Year Fixed Rate | 4.14% p.a. | 5.18% p.a. | 3.99% p.a. | 5.04% p.a. | 24 September 2019 |

5 Year Fixed Rate | 4.14% p.a. | 5.09% p.a. | 3.99% p.a. | 4.96% p.a. | 24 September 2019 |

MISA Offset Rate - Standard Variable Rate*** | 5.89% p.a. | ~ | ~ | ~ | 23 July 2019 |

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

^Calculated based on current Extra Home Loan Variable reference rate 5.19% p.a. and current discounts on offer, see Product Margin and Product Margin (Introductory Discounts)

^^ Extra Home Loan (4 Year Introductory Variable Rate) is only available for first home buyers where none of the applicants have previously owned or currently hold an interest in property anywhere in Australia.

**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:

**Investment Home Loans - Principal and Interest**

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

Low Doc Standard Variable Rate | 5.81% p.a. | 5.95% p.a. | 23 July 2019 |

Low Doc Economiser Base Variable Rate | 5.35% p.a. | 5.49% p.a. | 23 July 2019 |

Low Doc Variable Rate (Investment Residential Equity Rate) | 6.58% p.a. | ~ | 25 June 2019 |

Investment Home Loans - Interest Only

Investment Home Loans - Interest Only

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

Low Doc Standard Variable Rate | 6.19% p.a. | 6.10% p.a. | 23 July 2019 |

Low Doc Economiser Base Variable Rate | 5.73% p.a. | 5.64% p.a. | 23 July 2019 |

**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.

*** Mortgage Interest Saver Account (MISA) is a quarantined product and is no longer available for sale.

No new MISAs can be activated for new or existing loans from 16 March 2019. If an existing MISA balance is reduced to zero, the MISA can't be re-activated.

Comparison rate calculated on a $150,000 secured loan over a 25 year term. WARNING: Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for variable Interest Only loans are based on an initial 5 year Interest Only period. Comparison rates for fixed or guaranteed Interest Only loans are based on an initial Interest Only period equal in length to the fixed or guaranteed period. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

**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 - Principal and Interest **

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 |