2 year Fixed Rate Home Loan (Investment)
An investment home loan where the interest rate is fixed for 2 years.
- From (investment)
- 6.39%
- 8.35% comparison
Interest Rates
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 2 years Investment - Principal and Interest repayment type with Package | 6.39% | 8.35% | BALANCE |
Investment — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 2 years Investment - Interest Only payment type with Package | 6.49% | 8.37% | BALANCE |
| Fixed · 2 years Investment - Interest Only payment type with Package (Interest in Advance) - an additional 0.20% p.a. discount applies to Interest in Advance loans | 6.49% | — | BALANCE |
Fees
| Fee | Type | Amount |
|---|---|---|
| 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 another loan. Fee is applied per 'new' security. | Event | $150.00 |
| Administrative Fee An Administrative fee is payable if you repay your home loan in full before the fixed interest rate period expires; or make partial prepayments which exceed $10,000 in any year of your fixed rate loan. | Event | $50.00 |
| Annual Service Fee Charged yearly · Payable if your home loan is with the former State Bank of Victoria and the terms and conditions state the fee is required. | Ongoing | $33.00 |
| Early Repayment Adjustment Fee An Early Repayment Adjustment is payable if you make partial prepayments on a fixed rate loan which exceed $10,000 in any year of your fixed rate loan (including paying the loan off in full); or make full prepayment during a capped or one-year guaranteed rate period of a home loan; or switch your Fixed Rate loan before the selected fixed or guaranteed rate period expires; or Top up the amount of credit of a home loan during a fixed or guaranteed rate period. | Event | Variable |
| Home Loan Package Fee Charged yearly · 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 only). |
Features
- Fixed Rates are subject to change up until funding. 'Rate Lock' is an optional feature that allows you to lock in your reference interest rates on new Fixed Rate Home Loan and Fixed Rate Investment Home Loan applications for 90 days for a non-refundable fee, charged per fixed rate loan account. This excludes Home Seeker applications, CommBank Green Loan applications, switching, splitting, top-ups, loan purpose transfers or repayment changes. Rate Lock can be requested any time before loan documents are issued and the reference interest rates applicable to your Rate Lock will be on the date we receive the completed Rate Lock consent from all applicants. The Rate Lock fee will be debited from your Related Account when the Rate Lock request is processed. If there are insufficient funds in that account, or the account is no longer open, then the Rate Lock fee will be charged to your home loan and your home loan will go into arrears (and fees may be charged). The 90 days commences when the Rate Lock request is processed. You can ask us to break the Rate Lock before funding (for example, if rates go down) and revert to the reference interest rates available on the funding date.
- You can make additional repayments of up to $10,000 for each year of your fixed rate loan, without incurring additional charges. Excluding Interest in advance periods. Administrative Fee and an Early Repayment Adjustment (ERA) may apply. See the 'Additional repayments' section in the Fixed Rate Home Loan fact sheet for more details.
- Redraw facility
- Redraw is not available during a fixed rate period. However, if you do make additional repayments during a fixed rate period, or had available redraw when you entered your fixed rate period, the redraw feature will become available at the expiry of the fixed rate. The amount available is adjusted so that at the end of your agreed loan term, both your loan balance and the available redraw will be zero.
Eligibility
- Individuals only
- Business customersNon-trading Companies and/or Family/Unit/Hybrid Trusts.
- Minimum age — 18 yearsIndividuals (natural persons, including as Trustee of a Family Trust) must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older.
- Applications for home loans are subject to the Bank's normal credit approval.
- Residency status — CITIZEN, PERMANENT_RESIDENTIndividuals must either be living in Australia as an Australian citizen, New Zealand citizen, Australian permanent resident or specified temporary Australian resident; or be an overseas citizen co-borrowing with an Australian citizen or Australian permanent resident or be living overseas as an Australian citizen or Australian permanent resident.
Constraints
- Opening balance — $10,000.00For a Fixed Rate Loan, there is a minimum loan amount of $10,000 for new loans.
- Maximum LVR — 95%The total LVR for an existing and/or new Fixed Rate Home Loan cannot exceed 95% (subject to any postcode restrictions)
More Information
Published by CommBank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 4991734f767e4e2999edd700216f9e16 · View on CDR.gov.au