CBA home loan rates
Ranked by advertised rate, CBA's lowest advertised rate we track is 6.34% advertised (6.36% comparison) on the Digi Home Loan - 22nd of 31 lenders we track. Rates as at 28 Oct 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.
Its lowest variable home loan rate we track is 6.34% advertised (6.36% comparison) on the Digi Home Loan; its lowest fixed home loan rate we track is 6.78% advertised (8.53% comparison) on the Fixed Rate (Wealth Package). Rates as at 28 Oct 2026.
We track 6 CBA owner-occupier products; every figure is read daily from public, standardised open data feeds under the Consumer Data Right. Rates as at 28 Oct 2026. See our methodology.
At the lowest advertised rate we track - 6.34% on the Digi Home Loan - the monthly principal-and-interest repayment on a $600,000 loan over 30 years is about $3,729 a month (an arithmetic example, not a quote or an offer). Rates as at 28 Oct 2026.
CBA since the 29 Sept 2026 RBA decision
The RBA's cash rate target moved from 4.35% to 4.60% (+25 bp) after its decision announced 29 Sept 2026.
CBA has changed 3 variable rates in its published data since:
- CommBank Digi Home Loan - variable, digital-only product with offset6.09% → 6.34%(+25 bp)matches the cash rate move
- CommBank Simple Home Loan - variable, no-offset basic product6.24% → 6.49%(+25 bp)matches the cash rate move
- CommBank Standard Variable Rate - variable6.34% → 6.59%(+25 bp)matches the cash rate move
Lenders can announce a change before it takes effect; the tracker shows it once it appears in their published data. The tracker compares the owner-occupier, principal-and-interest variable rates we track, so a change to a loan we don't track won't show here. Dates are the day a new rate first appeared in the lender's feed, which can be after the day the lender changed it. Every lender's status →
CBA products (6)
| Product | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
Digi Home LoanBig 5CBA | Variable | 6.34% | 6.36% | — | link |
Standard Variable RateBig 5CBA | Variable | 6.59% | 6.97% | — | link |
Fixed Rate (Wealth Package)Big 5CBA | Fixed 1yr | 6.78% | 8.53% | — | link |
Fixed Rate (Wealth Package)Big 5CBA | Fixed 2yr | 6.82% | 8.38% | — | link |
Fixed Rate (Wealth Package)Big 5CBA | Fixed 3yr | 6.89% | 8.26% | — | link |
Fixed Rate (Wealth Package)Big 5CBA | Fixed 5yr | 6.94% | 8.06% | — | link |
CBA recent rate changes
3 of CBA's tracked products changed their advertised rate in the last 30 days. Every change across the board is on the rate changes page.
- CommBank Standard Variable Rate - variable6.49% → 6.59%(+10 bp)previous value last seen 10 Oct 2026
- CommBank Digi Home Loan - variable, digital-only product with offset6.09% → 6.34%(+25 bp)previous value last seen 8 Oct 2026
- CommBank Simple Home Loan - variable, no-offset basic product6.24% → 6.49%(+25 bp)previous value last seen 8 Oct 2026
Add RBA decision and CPI release dates to your calendar: Apple or Outlook · Google Calendar · .ics file.